Where to Put ATM Machines: Installation 101

We’ve published a few articles about where to put ATM machines in terms of the best performing locations. But what about once you’ve gotten that far? How do you know where to put ATM machines at that location? 

Here, we’ll summarize locations that have high or consistent transaction volume in case you missed it. But we’ll mostly offer tips for how and where to put ATM machines once you’ve secured a high-traffic location. Use this as a basic guide or a regular checklist as you install machine after machine. Or, if you are the location owner already, here is what you need to know to get started installing your new ATM machine!

Where to Put ATM Machines to Achieve Your Goals

Before choosing where to place an ATM, clarify your goals. Are you installing a machine to boost foot traffic and sales inside your own business? Or are you entering the ATM ownership space for passive income through transaction fees? Your purpose influences the ideal type of location and expected traffic patterns.

Are you a store or business owner increasing in-store purchases by offering convenience? Are you an independent ATM deployer (IAD) generating passive income in high-traffic or cash-heavy areas? Or are you serving a specific community like college students, tourists, or cash-only clientele? Maybe you’re just filling a market gap where banks or ATMs are scarce.

Knowing your objectives will help you prioritize the right kind of location, installation features, and revenue strategy.

If you are still in the location stage of starting an ATM business, you will want to read some of our other articles about the best locations to secure. But this article will cover some best practices for installing ATM machines with the most typical location conditions in mind.

For example, common and profitable locations for ATM placement include gas stations, convenience stores, and retail stores; bars, nightclubs, casinos, and other event spaces; hotels and tourist hubs; cannabis dispensaries and other specialty markets. However, an ATM installed at a prime location can perform poorly if it isn’t positioned strategically. So there are other factors to keep in mind.

General Guidelines for Where to Put ATM Machines

When it comes down to where to put ATM machines, it’s best to position the machine where users can easily see and access it. Typically, this helps everyone reach their goals, consumers and business owners alike. But there are some requirements and strategies that will restrict and influence your options.

First, you’re limited to the electrical set-up: wherever there is power and internet access is where to put ATM machines. Machines need consistent electricity and internet whether it’s via Wi-Fi, ethernet, or wireless modem.

Second, the machine should be visible. The ATM should be in plain sight and near natural traffic flow like checkout lanes or entrances. But the machine also legally has to be accessible. Customers, including those in wheelchairs, should easily be able to approach the ATM without obstruction.

If you have the luxury of doing so, you should consider security as well. For example, look for well-lit areas, camera coverage, and/or direct line of sight of an employee. This is especially important if you want to know where to put ATM machines for after-hours access. This doesn’t just help customers feel more safe and secure during transactions but also allows for safe and discreet cash vaulting and repairs. 

Where to Put ATM Machines Legally

Before installation, you must comply with local laws and accessibility standards. Some municipalities require a business license or permit for ATM placement. Outdoor machines may require additional zoning approvals or signage restrictions. And if you’re placing the machine on someone else’s property, make sure you draft a placement agreement clearly outlining terms, revenue split (if applicable), maintenance duties, duration, etc.

Every ATM placement must be ADA compliant. The Americans with Disabilities Act (ADA) mandates that ATMs be accessible to all users. This means that buttons, touchscreens, and card slots must be within accessible height and depth ranges. And the space around the machine must be clear. Users in wheelchairs must be able to approach and maneuver around the ATM.

Ensure your ATM model is ADA-compliant and that installation allows for sufficient access and use. Noncompliance can lead to lawsuits or fines.

Installation Basics

Once you’ve selected the location and cleared legal requirements, the next phase is installation. Your machine will need power and network connections. The area around the ATM must allow for user access and ADA-compliant clearances. And it is recommended that you bolt down both indoor and outdoor machines to deter theft and vandalism. 

Through-the-wall (TTW) ATMs will require a little more construction. You will either need a space in a wall that faces the outside to offer 24/7 access to passers-by, or you will need a space where the interface is available to users on the wall of a locked, secured, and/or managed area where the chassis is stored. Ensure that this area is protected during cash vaulting.

However, for standalone machines, you can handle the installation yourself with the help of a simple YouTube video, the equipment manual, or a tech call. Or, if you prefer, you can hire a technician to install the machine for you. Check with your ATM company to see what services and resources they offer to help with installation.

After setup, the machine must be loaded with cash and configured to your processor. Then, it’s a good idea to run test transactions to ensure smooth operation.

Mistakes to Avoid

There are some common mistakes you can avoid to save time, money, and stress. 

First, make sure your ATM machine isn’t hidden. Low visibility reduces usage. Customers can’t use your machine if they don’t know it exists.

Customers also can’t use your machine if it’s out of order. Out-of-service machines lose money, so don’t neglect maintenance. Establish a maintenance plan for cash loading, paper replacement, and tech issues.

Be careful not to underestimate foot traffic. Just because a space looks busy doesn’t mean it is. Track actual customer flow and consider peak hours before choosing a location.

Don’t ignore ADA or other compliance regulations. ADA lawsuits and permit violations can be costly. Make compliance a non-negotiable from the beginning.

Finally, make sure you have formal documentation of your agreements with the location owner. Vague or handshake-only deals can lead to disputes. A written placement contract can ensure that each party upholds their responsibilities, is compensated accordingly, and is protected in extenuating circumstances.

Who Knows Best Where to Put ATM Machines?

If you are installing a machine in someone else’s store, the location owner might have their own preferences about where to put it. The ATM machine is your business, and you’re the expert. You want to place the machine where it will get the most usage. But the location owner is the expert of their business as well. They have their customers in mind and won’t want to risk damaging their current business. 

So if you find yourself disagreeing with the location owner about installation, just explain the reasoning behind these best practices. Work together to create the best possible user experience focused on accessibility, convenience, and safety. 

If you partner with ATMDepot.com for transaction processing, you get access to installation resources including 24/7 customer support. ATMDepot can arrange for a certified ATM technician to professionally install your first unit. During installation, technicians often provide training—demonstrating setup steps, running test transactions, and teaching upkeep best practices. And ATMDepot’s online resources include detailed guides covering everything from unpacking and leveling to anchoring and connectivity. 

For more help with DIY installation, check out our 7 ATM Installation Tips or contact us with questions. Now, you’re ready to install your machine. We’re here to help if you need it!