What Is a Surcharge-Free ATM? How It Works and Who Pays the Fee 

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ATM fees hit another record high in 2025. What catches people off guard isn’t the surcharge itself. It’s finding out they still got charged after using a machine that was supposed to be free.

According to Bankrate’s 2025 Checking Account and ATM Fee Study, the average surcharge reached $3.22, a record for the fourth consecutive year. Add in what your own bank might charge, and the average total cost of a single out-of-network withdrawal climbed to $4.86.

We’ve been in the ATM business since 1994 and have helped place thousands of machines across the U.S. through ATMDepot.com.. In our experience, the surcharge confusion catches more first-time cash users off guard than almost any other ATM issue. 

Here’s how the fee structure works, who pays, and what to watch for.

What “Surcharge-Free” Actually Means

A surcharge-free ATM is a machine where the owner has waived the fee, blocked the fee due to an arrangement with a financial institution or 3rd party, or runs on a surcharge-free network like MoneyPass, for example.  They would normally charge you for the withdrawal. It doesn’t mean the transaction is free.

When you use an ATM that isn’t owned by your bank, the owner of that machine typically charges you a fee for using it. Think of it like a vending machine: someone bought it, keeps it stocked with their own cash, and maintains it. That fee is called a surcharge, and it goes directly to the ATM owner for lending you their money while they wait to get reimbursed by your bank.

Surcharge-free simply means that fee has been waived for you or someone else is paying it. You may also see it called a fee-free ATM or no-surcharge ATM. Same thing.

Here’s where things get confusing. There are two separate fees that can show up when you use an out-of-network ATM:

Fee 1. ATM owner’s surcharge. This is what the machine owner collects from cardholders who aren’t their customers.

Fee 2. Your bank’s out-of-network fee. Sometimes called a foreign fee, charged by your own bank for using a machine outside their network.

Two different fees. Two different parties.

Surcharge-free only eliminates the first one. Your bank’s fee is a separate matter entirely and depends on your specific account and your bank’s policies. So surcharge-free doesn’t automatically mean the withdrawal is free. It means one of the two possible fees is off the table, which is still real money, especially as surcharges keep climbing.

How Surcharge-Free ATMs Work

The whole system runs on what’s called a network participation model, and once you understand it, the “who pays” question starts to make sense.

Banks, credit unions, and other financial institutions pay to join large ATM networks like Allpoint, MoneyPass, or CO-OP. By joining, they give their cardholders surcharge-free access to ATMs in that network. That’s what in-network ATM access means in practice. The ATM owner still gets compensated, just through the network rather than directly from you at the machine. Think of it as a membership arrangement. Your bank covers the cost, so you don’t see a surcharge at the machine.

Here’s how each fee shakes out under that arrangement:

Fee 1, the ATM owner surcharge, is covered by the network agreement. You don’t see it at all.

Fee 2, your bank’s out-of-network fee, still depends on your account. The national average for this fee is $1.64, according to the Bankrate 2025 study. Whether it applies to you depends on your bank’s specific policies.

Who Actually Pays?

The fee doesn’t disappear. It just moves.

For your bank or credit union: they pay participation fees to be in the network. This is often structured as a monthly fee, a per-transaction cost, or both. It’s their way of offering surcharge-free access as a competitive perk, and it works because ATM fee waivers matter when people choose where to bank.  Some banks also reimburse a limited number of out-of-network fees. Cash App and SoFi, like many internet financial institutions, do this. 

For the ATM operator: independent operators in surcharge-free networks may receive interchange income from the network instead of a surcharge from the cardholder. The revenue structure is different, and volume is what makes it work. A machine doing 10 to 15 transactions a day at a $3.00 surcharge generates real income. That same machine inside a surcharge-free network needs the transaction volume to justify the interchange rate it’s getting. We’ve seen operators join surcharge-free arrangements at busy retail locations and do just fine. We’ve also seen the same setup struggle at a low-traffic spot where the volume isn’t there. The fee doesn’t disappear. The arrangement just changes who covers it. Some ATM Operators choose to charge a very low surcharge in order to attract users and offer an inexpensive convenience. This can often be seen in nail salons and barbershops where tipping in cash is appreciated and the cost of accepting a credit card is getting expensive for the retailer.

The Major Surcharge-Free ATM Networks

A few major networks handle most surcharge-free ATM access across the U.S.

Allpoint is the world’s largest retail-based surcharge-free network, with about 55,000 ATMs globally and around 40,000 in the United States. You’ll find them at Target, CVS, Walgreens, Costco, Wawa, Speedway, and Kroger-affiliated stores. Major bank participants include Ally Bank, Capital One, Chime, USAA, and Charles Schwab.

MoneyPass operates between 40,000 and 61,000 surcharge-free ATMs across the country, with a strong presence at 7-Eleven locations. Fiserv acquired MoneyPass in 2019, and through its member institutions, more than 95 million consumers have access to the network. Independent Operators sometimes choose to offer this network if their processor allows it to attract more users.

CO-OP is built specifically for credit union members and includes around 30,000 ATMs at credit unions and select retail locations nationwide.

Smaller regional networks like SUM also serve community banks and credit unions in specific areas.

Finding these ATMs is straightforward. Your bank’s mobile app usually has a built-in locator that highlights in-network machines near you. Allpoint, MoneyPass, and CO-OP also have their own locators.

When a Surcharge-Free ATM Might Still Have a Fee

Surcharge-free networks save people money every day. A few things will still catch you off guard, though.

Your bank may have its own fee. Even at a surcharge-free ATM, your bank might charge a separate out-of-network fee. If that applies to your account, you’ll still see a charge, just from your bank rather than the machine. Check your account disclosures.

Network mismatches happen. Not every card works at every surcharge-free network. If your bank participates in Allpoint but the ATM you’re using is part of CO-OP, the surcharge-free benefit may not apply. Know which network your bank belongs to.

Prepaid cards vary. Some prepaid debit cards participate in surcharge-free networks, and some don’t. Check the card’s terms and fee schedule rather than assuming the network logo on an ATM means you’re in the clear.

International use has its own rules. Allpoint has ATMs in Canada, the UK, Australia, and Mexico. But even if the ATM doesn’t surcharge you, your bank may still apply a foreign transaction fee. Those are bank-side costs, not ATM-side costs.

Check your bank’s out-of-network fee policy before you assume you’re covered. Know both numbers: what the ATM charges and what your bank charges. That’s your real cost. If you use an ATM only occasionally, the convenience and small fee often outweigh the time it takes to find a surcharge-free machine.

Why ATM Surcharges Keep Rising

If it feels like ATM fees go up every year, that’s because they have. The average ATM surcharge hit $3.22 in 2025, a record for the fourth year in a row, and the total average cost of an out-of-network withdrawal reached $4.86, up from $4.77 in 2024.

The reason comes down to fixed costs and declining usage.

An ATM has real operating expenses regardless of how many people use it: the machine itself, maintenance, receipt paper, communication lines, insurance, and often vault cash management. Americans made 6 billion ATM cash withdrawals in 2009, but that dropped to 5.8 billion by 2015 and 3.7 billion in 2021, according to the Federal Reserve 2022 Payments Study. As that volume shrinks, those fixed costs get spread across fewer transactions per machine. When the math changes, operators adjust the surcharge to keep the numbers working.

We’ve watched this play out across our own network of machines over the past two decades. Locations that were profitable at a $2.50 surcharge ten years ago often need $3.00 or more today just to cover the same costs. The machine costs are real, and they don’t go away just because transaction volume does. Cash still matters, and people continue to use it, which is why the business remains viable even at increased costs.. Digital payments and credit cards are tracked, and some people prefer to have some transactions remain private. 

According to the Bankrate 2025 study, Atlanta had the highest average total ATM fee among major metros at $5.33, while Boston came in lowest at $4.37.

This is part of why surcharge-free networks have become more valuable over time. When a bank invests in network membership, it’s saving its customers real money on every qualifying withdrawal.

What This Means If You’re Thinking About the ATM Business

Here’s how most operators actually make money: the surcharge. Every time someone who isn’t a customer of that machine’s bank pulls cash, the operator collects a fee. That fee covers the machine, maintenance, and cash loading; what’s left is income. Surcharges typically run $2.50 to $4.00 depending on location and market, but we’ve seen everything from $1.00 at a nail salon trying to drive foot traffic to $5.00 at a busy bar where convenience is the whole point. We even implement a percentage-based surcharge when warranted.

Based on placements we’ve managed through ATMDepot.com, the locations that consistently outperform expectations share one trait: foot traffic that was already there before the ATM arrived. A busy convenience store, a packed laundromat, a high-volume liquor store. The ATM captures transactions that would have happened anyway. That’s the model that works.

Operators inside surcharge-free networks can sometimes earn through interchange instead of a direct cardholder surcharge. The math can still work, but volume is what holds it together. A low-traffic location inside a surcharge-free network is a tough business. A high-traffic one can work fine. Know your numbers before you commit. Tourist and international destinations often work well.

There’s also the vault cash side to consider. Whether a machine is surcharge or interchange-based, the operator still needs to keep it funded. Our guide on how much vault cash an ATM operator needs covers what that looks like in practice.

The Bottom Line

Surcharge-free saves you one fee. Not both. In 2025, that one fee averaged $3.22, so it’s real money worth avoiding if you’re an avid ATM user. If you are an occasional ATM user, the convenience is often the factor and reason for using a specific ATM..

Before you assume a withdrawal is free, get both numbers: what the ATM charges and what your bank charges. Those are two separate questions with two separate answers.

If you’re pulling cash more than two or three times a month, either visit your own bank if possible or find a bank that offers Allpoint or MoneyPass, or one that reimburses out-of-network fees. Several online banks and credit unions do both. That setup is what makes ATM fees disappear.

If you’re thinking about placing an ATM at your location, getting into the ATM business, or want to understand how surcharge and interchange revenue actually works before you commit, explore ATMDepot membership options. Members get access to ATM business training, member-only equipment and processing pricing, and resources built specifically for ATM operators.

You can also call 888-959-2269 to talk through your options with us directly.

TL;DR

  • A surcharge-free ATM means the machine owner isn’t charging you a fee for the withdrawal.
  • “Surcharge-free” doesn’t always mean the transaction is completely free. Two separate fees can apply to any out-of-network withdrawal, and surcharge-free only eliminates one.
  • Your own bank may still charge a separate out-of-network fee, averaging $1.64 nationally (Bankrate, 2025 Checking Account and ATM Fee Study).
  • The biggest surcharge-free networks are Allpoint (55,000+ ATMs), MoneyPass (40,000 to 61,000 ATMs), and CO-OP (around 30,000 ATMs).
  • ATM surcharges hit a record $3.22 in 2025, driven by rising fixed costs and declining cash usage.

Frequently Asked Questions About Surcharge-Free ATMs

Does surcharge-free mean the ATM is completely free to use?

Not always, and this is where most people get surprised. Two separate fees can apply: the ATM owner’s surcharge and your bank’s out-of-network fee. Surcharge-free kills the first one. Your bank’s fee is a separate question entirely. Check your account disclosures to see whether it applies to you.

What’s the difference between the ATM surcharge and my bank’s out-of-network fee?

They’re two separate charges from two separate parties. The surcharge goes to the ATM owner. The out-of-network fee goes to your bank for routing a transaction outside their network. Surcharge-free eliminates the ATM owner’s fee. Your bank’s fee depends entirely on your account type.

Which banks offer surcharge-free ATM access?

Banks and credit unions that participate in Allpoint, MoneyPass, or CO-OP give cardholders surcharge-free access to those networks. Common examples include SoFi, Ally Bank, Capital One, Chime, USAA, and Charles Schwab (Allpoint). Many credit unions participate in CO-OP. Some online banks also reimburse out-of-network fees in addition to network participation.

Can you avoid ATM fees completely?

Yes, but you need the right bank. Look for one that’s in Allpoint or MoneyPass and also waives or reimburses its own out-of-network fee. Several online banks and credit unions do both in certain programs; check with SoFi and Cash App. If you’re pulling cash regularly and still paying fees, consider switching banks.

Do all ATM operators charge the same surcharge?

No. The national average was $3.22 in 2025, but that number means very little for any individual machine. A casino ATM might charge $5.00 or more. A neighborhood convenience store might be $2.50. Operators set their own rates based on location, foot traffic, and what the market will bear.

Can a business owner set up a surcharge-free ATM?

Yes, but get the numbers first. Surcharge-free machines may earn through interchange instead of a direct fee, so the revenue depends entirely on how much traffic your location already has. A busy spot can make it work, but sometimes a lower surcharge like $1.00 or $1.50 makes it seem like a great deal and it will get used much more often. A slow one usually can’t but sometimes lowering the surcharge can help it get noticed as a convenient value.. Talk to an ATM company that will look at your actual location before you commit.

ATM Processing vs. Merchant Processing: What’s the Difference?

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If you operate ATMs or run an independent route, you’ve probably heard both terms: ATM processing and merchant processing. They sound like they’re the same thing. They’re not. And that difference matters to your bottom line.

The Quick Difference

ATM Processing: Handles ATM withdrawals, transaction authorization, settlement, and ATM-specific reporting.

Merchant Processing: Handles credit and debit card payments for point-of-sale (POS) purchases.

One supports cash withdrawals. The other supports retail purchases. Different transaction types. Different requirements.

What Is ATM Processing?

ATM processing is the system that enables cash withdrawals. When a customer inserts their card, the ATM processor handles the technical side: authorizing the transaction, routing it to their bank, approving or denying the request, and coordinating settlement of funds back into your account.

The processor is the middleman between your machine and the networks and banking system. They provide the network connection, handle transaction data, coordinate settlement, and give you access to reporting.

What Is Merchant Processing?

Merchant processing is completely different. It handles credit and debit card transactions for purchases. Typically at the register or point of sale. When a customer swipes a card to buy a product or service, the merchant processor steps in.

The merchant processor routes the transaction to payment networks, authorizes it, and settles funds into your account. The merchant processor handles purchases. The ATM processor handles cash withdrawals.

Why This Actually Matters

These aren’t just two different services with different names. They affect your costs, settlement timing, compliance, and how much control you have over your operation. ATM processing works around surcharge economics. Merchant processing follows a different pricing model. Depending on the program, that may include percentage-based pricing, per-transaction fees, cost-plus pricing, or a cash-discount structure. They’re built on different models, which is why mixing them up costs you money.

Processing Fees and Revenue Structure

ATM processing is built around surcharges. You charge customers a fee per withdrawal (typically $1.50– $5.00 depending on location). According to Bankrate’s 2025 study, the average ATM surcharge nationally is $3.22 per transaction. The surcharge fee is often kept by the ATM owner and operator. The cash loader, aka vaulter if not the owner, would also require a split of the surcharge. Depending on the agreement, the retailer may also get a split of the surcharge after the owner and vaulter costs are calculated. 

Some ATM processors, including ATMDepot, offer 100% surcharge payout with no monthly processing fees, though network fees may apply for those purchasing and operating the ATM themselves. Placement programs differ depending on location..

Merchant processing works differently. Pricing depends on the program and may include percentage-based fees, per-transaction charges, cost-plus pricing, cash-discount pricing, or other structures. Those models are designed around purchases, not ATM withdrawals. 

Here’s why: Your revenue model is based on surcharges, which are fixed amounts. An ATM processing program should reflect that reality, not be priced like retail transactions. That’s why ATM withdrawals need a processing program built specifically around ATM transactions.

They Follow Different Processing Rules

ATM withdrawals and retail purchases are different types of transactions, so each needs to be set up through the appropriate processing service. That’s another reason not to treat ATM processing and merchant processing as interchangeable. Configure your ATM processing for ATM transactions, and your merchant processing account for card purchases.

If one company provides both services, that’s fine. The important part is that each transaction is handled through the right program.

Settlement and Cash Management

ATM processors settle on ATM-specific timelines. With ATMDepot processing, vault cash withdrawn from the machine is settled back to your designated bank account the next banking business day. That matters because you need those funds available to keep recycling cash through your machines. What matters is predictability. You know when the money hits your account.

Merchant processing has its own settlement terms for retail purchases. The important thing is understanding the settlement schedule for each service and how it affects your operation.

For an operator, timing matters. You need to know reliably when funds will be available so you can plan vault cash and cash-loading schedules. That’s why ATM transactions need ATM-specific processing, even if the processor also handles your merchant services.

Your Relationship With the Processor

An ATM processor who specializes in ATM operations understands the business. Surcharges, compliance, revenue models, location challenges. When something goes wrong, you want someone who understands ATM operations, not someone who needs you to explain the business before they can help.

Where People Get Confused

The confusion usually starts with the word “processing.” Both services use it, so they sound interchangeable. They’re not.

If you have an ATM and a POS system in the same location, it’s easy to assume both types of processing work the same way. But they don’t. The ATM dispenses cash. The POS accepts payment. Different transaction types. Different economics. Different settlement. Different reporting.

One company can provide both services. What matters is keeping the services themselves separate and using the right setup for each transaction type.

Can One Processor Handle Both?

Yes. A company can offer both ATM and merchant processing. What matters is understanding they’re still separate services with different transaction types, pricing structures, settlement needs, and reporting.

Before committing, ask some clarifying questions:

Are ATM and retail transactions on separate agreements?  Yes, they should be. Find out if they’re bundled under one fee structure or kept separate with their own terms.

What are the settlement timelines? Ask whether your settlement happens on ATM schedules, merchant schedules, or independently.

Who handles ATM issues? When something goes wrong, do you reach an ATM specialist or a generalist support team?

Who handles ATM-specific setup and network requirements? If there’s a problem with your ATM processing, will you be talking to someone who understands ATM operations? 

If a processor can answer those questions clearly and actually separate ATM from merchant processing, you’re in good shape. Most operators find more value working with specialists who focus on what you actually do.

What ATM Operators Actually Need From a Processor

Reliable settlement — You know when funds arrive, consistently.

Clear processing terms — You understand how settlement, surcharge payouts, network fees, and reporting work. 

Appropriate fee structure — Fees designed for ATM surcharge revenue.

ATM expertise — When you call, you’re talking to someone who understands the business.

Transaction monitoring — They catch problems early.

Operational support — They understand vault cash, cash loading, placement arrangements, and the day-to-day realities of operating ATMs. 

Not every processor offers all of this. Specialists know what actually matters to your bottom line.

How to Choose the Right Processing Partner

When you’re evaluating a processor, here are the questions that matter:

Do they specialize in ATM operations? Find out if they focus on ATM processing specifically or treat it as one product among many. Specialists know the nuances. Generalists often don’t.

Can they explain their fee structure clearly? A good processor walks you through exactly how they charge for ATM transactions and why their pricing makes sense for your revenue model.

Do they understand ATM placements? If you’re placing ATMs in merchant locations, your processing partner should understand that the merchant, ATM owner, cash loader, and servicer aren’t always the same person. 

Have they worked in your industry? If you’re in cannabis dispensaries, hospitality, or another specialized space, experience matters. Ask for references from operators in your vertical.

What’s their track record? Talk to other ATM operators in your region. Reputation travels fast in this business.

The right processor understands your business model from day one. The right processor understands the ATM side of your business and knows how it differs from retail payment processing.

Frequently Asked Questions About ATM Processing

Can the same processor handle both ATM and merchant processing?

Yes. ATMDepot.com does. The key is that ATM withdrawals and merchant purchases remain separate processing services, with the right setup for each type of transaction processed.

Do I need merchant processing if I already have ATM processing?

Only if you also want to accept card payments for purchases. ATM processing runs the ATM. Merchant processing handles payments through a POS system or other merchant-payment setup. If you’re only running an ATM, you only need ATM processing.

How often does ATM settlement happen?

It depends on your processor and agreement. ATM processors offer various settlement schedules. The key is knowing your timeline upfront so you can plan cash loading predictably.

What should I look for in an ATM processor?

Look for ATM specialization, clear fee explanations, placement program experience, industry expertise in your vertical, and reputation with other operators.

Can I switch ATM processors?

Yes. If your current processing setup no longer fits your business, you can switch processors. ATMDepot.com can move compatible existing machines to its various processing platforms, and there are no long-term contracts for ATMDepot processing. If you want to switch between the four different processing providers, ATMDepot.com handles that completely. 
Does ATMDepot.com offer equipment with an NFC reader for tap-to-withdraw from ATMs?  Yes, absolutely. Tap to pay is growing, but not all tap-to-pay is the same. We specialize in this, so if you want to dig into the details and understand it, we’ve laid it all out in this article on ATM NFC Readers.

TLDR; The Bottom Line

ATM processing is one of those parts of the business you don’t think much about when everything works. But when settlement is late, reporting is confusing, or you can’t reach support, your processor becomes pretty important.

We’ve worked with ATM owners and independent deployers since 2002, providing ATM processing, equipment, reporting, and operator support. We also offer merchant processing.

ATM processing handles withdrawals. Merchant processing handles purchases. They’re different services, but you can have support for both from a company that understands the difference.

If you’re starting an ATM business, evaluating your current processing setup, or looking for ways to grow your route, explore ATMDepot membership options. Members can access ATM business training, member-only equipment and processing pricing, and additional resources designed for ATM operators.

You can also call 888-959-2269 to talk with us about your ATM processing options.

7 Ways to Increase Retail Foot Traffic

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If you are a store owner wanting to increase retail foot traffic, an ATM can help. When competing with other retailers, getting customers through the door is half the battle. Whether you operate a convenience store, liquor store, smoke shop, laundromat, salon, or independent grocery, increasing foot traffic directly impacts sales, customer loyalty, and long-term profitability.

Fortunately, small operational changes and strategic additions can make a major difference. Here are 7 effective ways you can increase your retail foot traffic including one overlooked solution that brings customers inside while also generating revenue: ATM placement.

1. Offer In-Store Convenience Services

Customers are more likely to visit stores that solve multiple needs at once. Adding convenience-based services encourages repeat visits and increases time spent on site.

Popular add-on services include bill payment kiosks, lottery sales, money transfer services, package pickup/drop-off, coffee or snack stations, and ATM machines.

The more reasons customers have to stop by, the more opportunities you create for additional purchases.

Specifically, ATMs work because they create a reason for people to enter your business. Many customers searching for cash will choose the nearest ATM location, and once they’re inside, impulse purchases often follow. For cash-heavy businesses especially, an ATM can also encourage higher spending because customers have immediate access to cash on site.

2. Improve Exterior Visibility

Your storefront is your first impression. Even excellent businesses lose potential customers if people don’t notice them. 

You can improve visibility with bright signage, window graphics promoting specials, sidewalk signs or banners, well-lit entrances, and clearly visible hours of operation. If you install an ATM, exterior ATM signage can also attract drivers and pedestrians looking specifically for cash access.

3. Run Limited-Time Promotions

Urgency motivates action. Promotions that are time-sensitive encourage customers to visit sooner rather than later. For example, you can offer weekend-only specials, BOGO offers, loyalty rewards, seasonal discounts, and flash sales. These can be advertised on social media for more reach, too.

Furthermore, combining promotions with ATM availability can increase average transaction size by making cash immediately accessible to customers.

4. Build a Strong Local Presence

Customers often prefer businesses that feel connected to the local community. Therefore, consider sponsoring local events and school fundraisers. You can host community giveaways and partner with neighboring businesses.

An ATM can also strengthen your location’s reputation as a neighborhood convenience hub, especially in areas with limited banking access. And you can customize your ATM equipment with local high school or college branding to show support for your community. 

5. Optimize Your Store Layout

A cluttered or confusing store discourages browsing. A clean, intuitive layout encourages customers to stay longer and make additional purchases.

Focus on clear walking paths, organized product displays, and high-demand items near the back of the store. Put impulse-buy sections near the checkout. And make sure your space is clean and well-lit.

Store layout, lighting, and cleanliness also impact ATM usage. You want your ATM to be clearly visible, easily accessible, and safe. Strategically placing an ATM near the entrance or checkout area can increase visibility while encouraging usage and additional in-store spending.

6. Use Social Media to Drive Visits

Even small retailers benefit from active social media marketing. Posting regularly keeps your business top-of-mind and gives customers a reason to visit. It also meets them where they are, improving your reputation for being engaged and involved.

Share content like new product arrivals, daily specials, customer shoutouts, behind-the-scenes videos, and event announcements. If your store has an ATM, mention the convenience factor in your posts, especially if nearby bank branches or ATMs are limited or charge more.

7. Create a Better Customer Experience

Friendly service still matters. Customers return to businesses where they feel welcomed and valued.

Simple improvements could include fast checkout times, friendly greetings, clean restrooms, consistent product availability, and well-trained employees.

Convenience also contributes to customer satisfaction. Offering on-site ATM access removes friction and helps customers complete purchases without leaving your store.

Adding an ATM Can Increase Retail Foot Traffic

One of the simplest ways to increase foot traffic and create passive income is through an on-site ATM. Each of the 7 ways to increase retail foot traffic above rely on or at least include ATM benefits. 

Increasing retail foot traffic doesn’t always require expensive advertising campaigns or major renovations. Often, the most effective strategies focus on convenience, visibility, and customer experience.

Adding an ATM is one of the few upgrades that can simultaneously bring more customers into your store and increase average purchase amounts. It improves customer convenience and has the potential to generate additional monthly income. 

If you don’t already have one, there are two routes to getting an ATM into your retail store: purchase and operate one yourself or participate in an ATM placement program.

How an ATM Placement Program Works

Owning and operating an ATM machine requires initial equipment purchase and ongoing cash loading, troubleshooting, and software and hardware maintenance. If you have the bandwidth to add those responsibilities to your workload, you can own and operate your own ATM machine and consider the surcharge income an additional revenue stream.

However, you can also increase retail foot traffic and offer added convenience to your customers without the extra effort through an ATM placement program. In this scenario, an independent ATM deployer (IAD) handles all of the logistics of ATM operation in exchange for a location (your store) to operate from! 

It’s a win-win, and you may even be able to negotiate a share of the surcharge revenue and still benefit from that added income for a fraction of the effort and almost no startup cost. In most cases, ATM placement programs are free to enter!

If you work with ATMDepot, the process is as easy as completing an ATM placement request and getting paired with an IAD in your area.

With an ATM placement program, a provider installs and maintains the ATM at little or no upfront cost to you, the business owner. In this arrangement, retailers benefit from increased customer visits, additional impulse purchases, and improved convenience for customers. 

An added bonus is the potential for passive surcharge revenue. In an ATM placement program, you reap all the benefits of increased retail foot traffic without the hassle of managing cash loading or maintenance, depending on your contract agreement.

Businesses like convenience stores, gas stations, bars and nightclubs, smoke shops, restaurants, salons, laundromats, hotels, and entertainment venues commonly benefit from ATM placement.

For many retailers, an ATM becomes more than a convenience feature; it becomes a revenue-generating traffic driver.

Bottom Line: Get an ATM in Your Store

If you’re looking for a practical way to grow retail foot traffic while adding value for customers, an ATM placement program may be worth exploring. However, if you are driven more by additional revenue, consider operating your own machine. Either way, if you don’t already have an ATM on-site, learn more about how to get one today!

Discontinued ATM Models: Which Machines Can Be Upgraded and Which Are Obsolete?

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The ATM industry evolves quickly. Security standards, compliance requirements, and payment technologies like EMV mean that machines that were reliable a decade ago may now be difficult—or impossible—to operate, resulting in discontinued ATM models.

This is important for ATM deployers and operators who want to save some money buying used equipment. However, the key question is not just whether a model is discontinued, but whether it can still be upgraded, refurbished, and kept in service.

This guide breaks down discontinued models from three major ATM manufacturers and explains which machines are still viable in the secondary market and which ones should be replaced entirely. This guide will also compare cost options to help deployers decide whether buying used or buying new makes more sense.

Understanding “Discontinued” vs. “Obsolete”

Not every discontinued ATM is obsolete. There are generally three categories:

The first is discontinued but still serviceable. In these cases, the manufacturer no longer produces the model, but parts, upgrades, and software support still exist.

The second category is discontinued but upgradeable. Older machines may be able to remain compliant with upgrades like new encrypted PIN pads, EMV readers, or updated software.

The third category is obsolete. These machines cannot meet modern network security requirements or are no longer supported with parts. These typically must be replaced because if they are non-compliant, they won’t operate.

Security standards like PCI encryption requirements and EMV card support have forced many older ATMs out of circulation. Machines without upgrade paths can no longer be legally or practically deployed on U.S. networks.

Triton Discontinued ATM Models

Triton has been producing ATMs since the early 1990s and remains one of the most reliable brands in the retail ATM market. Many older models are now discontinued but are still widely used in refurbished form. The Triton ecosystem benefits from strong third-party support.

Older, non-CE (Windows) based Triton ATM models generally cannot be upgraded to meet modern PCI compliance standards (specifically TR-31 key block support) and must be replaced. This includes the following models:

  • Triton 9100
  • Triton 9600
  • Triton 9700
  • Triton 8100

These models are not upgradable. They lack the necessary hardware/software support for TR-31 key blocks, which are mandated by PCI standards. There are cabinet restrictions, too, and Triton models must be able to support the latest software Versions for X-Scale, X2 and X3 mainboards, along with a T10 keypad.

However, the following discontinued CE-based Triton models are are commonly found in refurbished inventories and can still be viable with upgrades:

These machines can support the Triton T10 TR-31 capable EPPs. Therefore, they are frequently refurbished and sold in the secondary market because they remain durable and relatively easy to service.

It is important to note that while these models can sometimes still be found in service, parts availability is becoming inconsistent. Therefore, many deployers simply replace them rather than invest in upgrades.

Genmega Discontinued ATM Models

Genmega entered the ATM market more recently. They are known for affordable retail machines and strong technical support. Their machines are generally modern enough that fewer models are truly obsolete, but earlier units are starting to age out.

For example, Genmega and Hantle models must be able to support the latest software Versions and have an EPP-B3 or EPP-B5 keypad installed. Furthermore, the following models cannot meet current security standards regarding TR-31 compatibility and must be replaced:

  • Hantle/Genmega 1700 (Basic/non-W)
  • Hantle/Genmega E4000
  • Hantle/Genmega C4000 (older models, specifically those starting with BYAF, or BYAB05000 or lower)

Genmega G1900 is an older but still serviceable model. The G1900 remains one of the most widely deployed low-cost ATMs and can still be upgraded with newer keypads and software when required.

The Hantle 1700W (formerly Tranax 1700W) was a popular free-standing retail ATM known for its affordability and dependability. While the 1700W is discontinued and non-compliant as originally manufactured with current U.S. network and security standards, some are still processing after being upgraded. 

While the manufacturer no longer offers parts, software updates, or support, many parts for the Genmega G2500 are compatible with the older Hantle 1700W. Major components such as the cash dispenser, keypad, and power supply are compatible because both brands have a shared history and design heritage.

Other models that typically replace older Genmega deployments include

These machines include modern compliance features such as EMV readers and encrypted keypads. The following models can remain in operation with an upgraded keypad:

  • Genmega 1700W
  • Genmega C6000
  • Genmega T4000
  • Genmega G2900
  • Genmega G3000 (W)
  • Genmega G3500
  • Newer C4000 models

The WRG Genesis and Apollo models are not Genmega brands, but they are often confused with them. They are discontinued and non-compliant.

Hyosung Discontinued ATM Models

Hyosung is one of the largest ATM manufacturers in the world and has a long history in the U.S. market through brands like Nautilus Hyosung and Hyosung TNS. Their discontinuation list spans a wide range, from truly obsolete machines to units that remain highly serviceable with proper upgrades.

The following are obsolete or end-of-support models. These machines often lack modern compliance features or have limited upgrade paths:

  • MBxxxx
  • NH1500
  • NH1800
  • NH1800CE
  • NH2100T
  • NH5000CE
  • NH5300CE

These models often lack EMV capability or require costly upgrades that exceed the value of the machine. On the other hand, there are still discontinued ATM models that are common in refurbished markets:

The Halo was replaced by the Halo II but remains a popular refurbished option for retail locations.

When an ATM Is Truly Obsolete

A machine is generally considered obsolete if it has no EMV upgrade path, supported encrypted PIN pad, or software updates available. It might also be considered obsolete if there is limited parts availability or processor/network incompatibility.

When these factors apply, continuing to operate the machine can cause downtime, compliance issues, or processor rejection.

Cost Comparison: Buy Used Discontinued ATM Models and Upgrade vs. Buy New

One of the biggest decisions deployers face is whether to purchase used discontinued ATM models and upgrade them or invest in new or refurbished units. Here’s the breakdown:

If you buy used and upgrade, the typical cost might range from $800-$1,800 depending on the model and the upgrades. Common upgrades might include EMV card readers, new encrypted PIN pad (EPP), software updates, and/or wireless communication kits.

The obvious benefit of going this route is you get the lowest upfront cost. It’s a good option for experienced operators who know the ins and outs of the equipment. They can, in that case, be easy to deploy in high-risk or temporary locations. 

The downfall is that these machines have a shorter remaining lifespan. The lifespan of an average machine is 10-15 years. So if you purchase a machine that is 10 years old, you don’t have that many years left to expect from it. You also face potential parts shortages, which is especially threatening as older machines require more maintenance.

Buying certified refurbished comes with a higher price tag: $2,000 – $3,200. However, refurbished ATMs are usually fully rebuilt with updated components and warranties.

They are still cheaper than purchasing new, and they already come with updated components, including warranty. Although, they are still older machines, are based on older platforms, and may be approaching end-of-life sooner than new models.

Your third option is to buy new. Expect to pay anywhere from $2,800-$4,500+ for new equipment. However, this will give you the longest lifespan, full manufacturer support, the latest security and compliance features, and lower maintenance costs.

The only real drawback is the higher upfront investment.

Best Choice for New ATM Deployers

If you’re new to the ATM business, buying new or certified refurbished machines is usually the safest option. New deployers often benefit from warranty protection, fewer service issues, and compatibility with modern processors.

Installation is simpler with newer machines, too. Troubleshooting older machines can be difficult without experience in ATM hardware and software.

Best Choice for Experienced Deployers

Operators with years of experience often prefer used machines with upgrades. This is typically because experienced deployers can repair machines themselves, source parts inexpensively, upgrade keypads and EMV modules, and afford to manage maintenance costs.

This approach allows experienced operators to deploy more machines with lower capital investment.

Are Discontinued ATM Models for You?

Not every discontinued ATM is considered retired. Many older machines can still produce reliable revenue if they are able to remain compliant and serviceable.

However, deployers should regularly evaluate their fleet and replace machines that are no longer upgradeable, too expensive and troublesome to repair, and/or incompatible with modern security standards.

The biggest red flag to look for are deals that are too good to be true. If you come across a “cheap” used model, be sure you’re purchasing equipment you can upgrade and turn a profit from rather than purchasing dead weight….

A balanced strategy—mixing new machines in high-volume locations and refurbished units in lower-volume sites—often provides the best return on investment.

The bottom line: don’t overpay for ATM machines that come with hidden strings attached. Don’t let a “great price” on an ATM machine turn into an expensive mistake. 

If you’re looking for ATM equipment that actually makes you money, ATMDepot carries equipment for a variety of deployers. Whether you need a single ATM machine for your business or you’re scaling a 100+ ATM machine route, we’ve got the solutions for your deployment situations:

  • New ATM machines when you need cutting-edge features and full warranties
  • Certified pre-owned refurbished ATM machines when you want factory-quality at aggressive pricing
  • Used ATM equipment when budget is the primary concern
  • Bitcoin/Crypto ATM equipment when you’re chasing the next profit opportunity

All with no games, no “gotchas”, and no mandatory tie-ins.

If you’re looking for a specific ATM equipment model, we can source almost any ATM, and we’ll match or beat most written quotes!

Questions about our ATM machines or ATM equipment? Call us directly—real people answer the phone. We look forward to hearing from you today!

Why Customer Convenience Matters: The Case for On-Site ATMs

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On-site ATMs aren’t just “nice to have”. In today’s on-demand economy, they’re a competitive advantage. From easy payments to quick service, consumers increasingly choose businesses that make their lives smoother. One highly effective way to enhance convenience that is often overlooked is by offering on-site ATM access.

Whether you operate a retail store, restaurant, bar, event venue, or service-based business, installing an on-site ATM can improve the customer experience while also generating additional revenue. Customer convenience matters, and on-site ATMs continue to play a critical role.

Convenience Drives Customer Decisions

Customers expect immediate access to what they need, when they need it. While digital payments have grown, cash remains essential for many everyday transactions, especially tips, small purchases, and cash-only services.

When customers don’t have easy access to cash, they have to make certain decisions. They may leave your location to find an ATM elsewhere. They might have to reduce how much they spend. Or, they may choose a competitor that offers more convenience.

An on-site ATM removes this friction entirely, keeping customers engaged and spending within your business.

On-Site ATMs Increase Dwell Time and Spending

The longer customers stay on your premises, the more likely they are to spend money. An on-site ATM keeps customers from leaving mid-visit, encourages impulse purchases, and supports higher ticket totals, especially in cash-heavy environments.

Bars, nightclubs, dispensaries, festivals, and entertainment venues see this effect most clearly. But any business that benefits from discretionary spending can see similar results.

Supporting Cash-Preferred and Underbanked Customers

Not all customers rely on credit cards or mobile wallets. Many still prefer or even depend on cash due to budgeting habits, privacy concerns, or limited access to traditional banking.

By offering an ATM on-site, you make your business more accessible and inclusive, ensuring you don’t unintentionally exclude customers who prefer or require cash.

A Revenue Stream with Minimal Effort

Beyond convenience, on-site ATMs can be profitable. Depending on your setup, benefits may include surcharge revenue, lease or placement fees from ATM operators, and increased sales volume from retained customers.

Modern ATMs require minimal maintenance, and many placement models allow business owners to earn passive income without managing the machine themselves. ATMDepot.com’s placement program, for example, can put you in touch with a well-established and certified independent ATM deployer (IAD) who can install and operate an ATM in your store for free!

Reliability Matters More as Bank Branches Decline

As traditional bank branches continue to close, access to cash is becoming less centralized. Customers increasingly rely on retail-based ATMs, event and venue ATMs, and neighborhood and convenience-store machines.

Businesses that provide on-site ATM access help fill this growing gap, positioning themselves as reliable, customer-first destinations in their communities.

Enhancing the Overall Customer Experience

Customer convenience isn’t limited to one feature. It’s about the overall experience. An on-site ATM complements other service improvements by reducing checkout delays, preventing payment-related frustration, and making transactions smoother and faster.

When customers feel a business anticipates their needs, trust and loyalty follow.

Two Common Routes to On-Site ATMs

Convinced that an on-site ATM could benefit you? Here’s what to do next:

Businesses considering an on-site ATM generally choose between buying an ATM outright or participating in an ATM placement program. Each option offers distinct advantages depending on your goals, budget, and level of involvement.

Buying an ATM Outright

Purchasing an ATM gives you and your business full ownership and control over the machine and its operation. This results in certain unique benefits.

First, this route offers higher revenue potential. The more operational duties you share with another party, the more surcharge revenue you have to share. So if you handle all or at least most of the ATM operations, you earn the bulk of the surcharge income.

If you own the machine, you also retain complete control. This means that you set the surcharge fee amount, customize the branding, and operate on a schedule that works for you.

However, going this route means you have to cover the upfront costs for the machine, installation, and cash loading. Maintenance, repairs, and compliance also become your responsibility. And when you are off-site, cash management and monitoring fall on you, too.

This option is often best for high-volume locations or businesses that want maximum control and are comfortable managing the ATM as part of their operations. So if you can afford the upfront costs and have the time required to operate the machine, there is nothing wrong with purchasing and operating your own on-site ATM!

Participating in an ATM Placement Program

An ATM placement program allows a third-party operator to install and manage an ATM at your location.

In this arrangement, there is no upfront cost. The operator provides the ATM, installation, cash, and setup.

Management is hands-off, too. Maintenance, compliance, monitoring, and cash loading are handled for you by the IAD.

You don’t earn as much surcharge revenue from a placement program, but it can be a predictable source of some income (on top of the extra spending in your store). In some placement program arrangements, businesses can receive a monthly fee or per-transaction revenue share.

Drawbacks include lower overall revenue compared to owning the ATM and less control over surcharge pricing and machine branding. However, contract terms will vary by provider. It is important to negotiate a partnership that meets the needs of both sides documented in an ATM placement agreement or contract. 

Never enter into an agreement that you aren’t comfortable with and remember that you have leverage: ATM owners need locations to operate from.

Placement programs are ideal for businesses that want to offer customer convenience without operational complexity or capital investment. If you want to offer your customers the convenience on-site ATMs provide and increase foot traffic and spending in your business but don’t want to bother with the daily operations, a placement program is perfect for you.

Convenience Is a Strategic Advantage—On-Site ATMs Can Help

On-site ATMs are more than just cash machines. They can be a strategic tool for improving customer satisfaction, increasing revenue, and staying competitive in a convenience-driven marketplace.

When considering which route works best for adding an on-site ATM to your business, the right choice depends on a few factors. Think about how much transaction volume you can expect, how much capital you have available, and your own willingness to manage cash and equipment operations.

Both options improve customer convenience and help keep spending on-site. The difference lies in how much control and responsibility you want to assume.

For businesses looking to enhance the customer experience while creating new income opportunities, the case for on-site ATMs is clear: when customers have easier access to cash, everyone benefits. For more information about buying an ATM machine or partnering with an IAD, check out our ATM business guide for store owners and get started today!