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How to Become an ATM Owner Operator

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Want to become an ATM owner operator and earn semi-passive income? Well there is more than one way to do it. And that’s great news. It means you’ve got options. This article will cover a few avenues that can get you a semi-passive income stream. Consider your situation, your resources, and your goals to determine which path to ATM ownership is right for you.

What Is an ATM Owner Operator?

“Owner” and “operator” are two distinct terms in the ATM industry. You can be one or the other or both. Here’s what each role looks like:

The ATM owner decides who shares in the revenue. This might include the equipment owner, the location owner, a referrer, a partner, a cash vaulter, etc. The ATM owner completes a payee form with a processing company, like ATMDepot. This tells them how much to deposit into whose account.

The ATM operator is typically the person who is responsible for loading it with cash (also known as the ATM vaulter). They are also responsible for handling any service issues, balancing of funds, and maintaining the relationship with the location.

The terms “ATM owner” and “ATM operator” are sometimes used interchangeably. That’s because oftentimes individuals will purchase equipment that they plan on installing and managing day-to-day. So sometimes the owner and operator are one in the same individual. However, there are situations where an ATM business owner, group of individuals, or a company own the actual ATM while someone else manages the day-to-day operations.

Keep reading to find out what each of these situations might look like.

How to Become an ATM Owner Operator as a Business Owner

If you are already a business owner and have a physical store, restaurant, salon, etc., you can become an ATM owner operator on top of that. You might find that having an ATM on site can encourage more cash transactions, impulse purchases, and tips. An ATM machine can improve customer service by offering this extra convenience. And, on top of that, you make surcharge revenue with minimal effort.

There are two routes to getting an ATM machine in your business: buy an ATM machine or get a free ATM placement.

Buying an ATM Machine

If you want to be a true ATM owner operator, you need to purchase your own machine and bear responsibility for its operation. Our ATM Start-Up Kit provides you with information about our ATM processing program, pricing and brochures for our best-selling machines, the paperwork to ensure your compliance with operating the ATM, and a bonus ATM Business Start Guide to help walk you through the paperwork and documentation.

Review the kit, send us your completed paperwork, and you’ll be ready to place your order for your very own ATM machine. It can be delivered to your business, you can install it yourself or hire a technician, and once it’s got power and connection to all networks, you’re in the ATM business! Sit back and start earning revenue from the surcharge fee that you determine.

Free ATM Placement

The free ATM placement program offers you all the benefits of having an ATM machine on site without all of the responsibility. Once you send in your ATM Placement Request, ATMDepot will search our repertoire of well-established and certified independent ATM deployers (IADs) for a representative of ours in your area. Then, once we find one, we put you in touch.

The IAD will be able to place an ATM in your store for free. In addition, they will assist you with whatever ATM services you’d like provided. This might include filling the machine with cash and/or maintaining updates and cleanliness. You will work together to draft an agreement that stipulates the responsibilities of each party and the corresponding surcharge share.

As a store owner, you have to decide how much time you’re willing to put into an ATM machine at your establishment. Are you willing to fill it with cash? Will you be able to take time out of running your business to fix an ATM error if one occurs? Do you have time to keep the machine cleaned? Are you willing to keep it up-to-date with the latest software?

If you are equipped and prepared to take on the responsibility of owning and operating an ATM machine from your store, you can reap the many benefits including the entirety of the surcharge revenue. If you decide that you want an ATM on site but don’t want to commit to the work of operating it, you can find an IAD who will take care of the parts of the operation you don’t want to do for a share of the surcharge revenue.

Independent ATM Deployers (IADs)

IADs are typically sole proprietors who purchase, place, and may or may not operate ATM machines. As an IAD, you get to choose which parts of the business you like and which you don’t.

For example, you can purchase ATM equipment, find a location to place it in, install it, maintain it, stock it with cash, and enjoy the surcharge revenue (which you set) as compensation for your hard work.

Or, you can hire out any of those tasks to someone else for a fee or share of the surcharge revenue. In most cases, IADs identify a location that has a need for ATM service, approach the location owner to discuss placement options, and upon agreement the two parties work together to establish a contract that outlines the responsibilities, surcharge share, and other specifics pertaining to the shared interest.

There are three main routes to becoming an IAD: purchase and place equipment yourself, purchase established routes, or get matched with and take over an existing location.

Purchase and Place Equipment Yourself

This route is the most common and pretty much looks like the example above. You don’t need anyone’s permission to purchase an ATM machine. However, getting it up and running takes some paperwork and documentation.

As long as you pass a background check, get the appropriate bank account set up, and find a location that wants an ATM machine on site, you can install and operate that machine that you bought and own.

You determine (sometimes with the help of the location owner) the surcharge fee. You earn the revenue minus any share you might have negotiated for the placement. And, of course, you can handle the cash needs and vaulting, or you can pay someone else to. It is your machine and you can operate it however you see fit in mutual agreement with the location owner.

Purchase Established Routes

Sometimes, entire established routes will come up for sale. This means that someone else has placed machines in a number of locations and no longer wants to operate them.

You can find ATM routes for sale with a simple internet search. Search “ATM routes for sale + zip code” or expand your search to include a whole city. It just depends on how far you are willing to travel. You can also sometimes find routes in ATM Facebook groups and communities.

The good thing about purchasing an established route is that you don’t have to spend time negotiating locations. The machines are already installed and operating, too, so there is little to no downtime when taking over control. However, this avenue requires a lot more startup capital. You need enough to cover the cost of the equipment and the cash to vault all machines on the route.

Take Over a Single Location

Businesses that want an ATM machine on site can own and operate their own or participate in an ATM placement program. The placement program pairs businesses with an IAD in their area who can take over operation of the location’s existing machine or who owns and operates their own.

So instead of researching, contacting, and pitching location owners on the prospect of an ATM placement, in some cases the locations come to you.

If you are in Facebook business groups and communities, you might come across these opportunities. ATMDepot, for example, shares opportunities on our Facebook page when an ATM owner expresses their need for an ATM operator.

If you see “ATM Operator Needed,” for example, check the city and state to ensure the opportunity is local. The ad will include the type of location (convenience store, adult store, smoke shop, etc.), the duties required, and contact information for expressing your interest.

Getting Started as an ATM Owner Operator

Regardless of which path you choose, you will want to learn everything there is to know about owning and operating an ATM machine before you get started. The knowledge you have over another ATM owner could be the reason a location owner chooses to work with you over someone else. We have a list of resources to help you get started:

ATM Machine Business Start-Up PDF

First is a free PDF about the ATM machine business. This 17-page ATM Machine Business Start-Up PDF is an informative document for those entering the ATM machine industry.

How to Start and Grown an ATM Business: The Ultimate Side Hustle

Second, How to Start and Grow an ATM Business: The Ultimate Side Hustle is ATMDepot.com CEO Noah Wieder’s latest updated version of his original best-selling ATM business book on Amazon, The Amazing Money Machine. It is an intricately detailed description of how to profit from an ATM business.

ATMDepot.com Member’s Area

A third resource is the ATMDepot.com Member’s Area. This online Member’s Area features time-saving documents, informative audio, and helpful how-to and other videos that teach, support, and help you grow your ATM business. Get access to sales scripts, videos, and an editable sample ATM Business Contract.

Here, you can find information on how the business works, what to do when your first ATM arrives, and time-saving tips on how to speak with merchants and acquire locations. The ATMDepot Member’s Area includes many more resources to assist you. We just launched the Member’s Area Pro which features a comprehensive 9-step training system to help you get started on your ATM business journey. If you’re really serious about starting an ATM business, our Member’s Area is for you.

ATM Business Facebook Groups

Finally, join the ATM Business Entrepreneurs Facebook group and/or the ATM Depot-ATM Business HQ group. In the group, we post educational content and tips about the ATM business. Join today for free inside information, free camaraderie, and free networking.

Are You ATM Owner Operator Material?

Now you know what the path to becoming an ATM owner operator can look like. Hopefully, you also have an idea about which path to pursue. Consider the potential opportunities in your area, your budget, and your overall goals to help direct you. Do your research, purchase your equipment, and get in business! Becoming an ATM owner operator is as simple as that.

If you still have questions, don’t hesitate to contact us here or on Facebook! We’re happy to welcome you to the ATM owner operator community.

Buying an ATM Business vs. Starting an ATM Business

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Is buying an ATM machine business or starting an ATM machine business the best option? Are they even that different? If you want to make semi-passive income with ATM machines, these are two viable paths to take. In this article, we look at the ins and outs of each avenue of getting into the ATM business. 

Buying an ATM Machine Business vs. Starting an ATM Machine Business: How They’re Similar

First, here is what you can expect from both routes. Essentially, you are looking for the same end result. And regardless of how you get there, here is what an ATM business looks like:

Regulatory Compliance

Your ATM business will need to comply with all financial regulations, banking laws, and standards. There’s no getting out of that. 

Location Selection

No matter which path you take, the success of your ATM business is heavily dependent on the location. If your ATM machines are in high-traffic areas like convenience stores, malls, and tourist destinations, you will see more profit than in areas with less foot traffic. 

Cash Management

You will also need to determine a vaulting procedure. Who will be responsible for loading the machine with cash and when? You will need a reliable process for loading and securing cash in your machines. Otherwise, you’re out of business until you’re stocked. And being out of business gives you a bad reputation which can affect future business.

Maintenance and Servicing

ATM machines require maintenance and servicing. They have to be cleaned, monitored for tampering, fixed when they experience error codes, etc. So part of owning ATM machines includes maintenance agreements, troubleshooting knowledge, and relationships with technicians and/or reliable support from an ATM processing partner.

Processing

Speaking of which, you’ve got to have processing partners. You will need to work with a company that can connect your ATM machines to the credit card networks. Otherwise they won’t work. Your machines cannot release funds to ATM users unless they can confirm that the funds are available. This requires communication over a secure, dedicated network.

Banking Relationship

Finally, you will need a banking relationship. If you handle your own vaulting, you will have to find a bank willing to work with you to provide the regular large cash withdrawals you will need to stock your machines. If you decide to hire a vaulting company to handle your cash needs instead, you will still need a business bank account to receive earnings and manage business transactions like maintenance expenses.

But while the operation of an ATM business looks the same whether you are buying an ATM machine business or starting one from scratch, startup will look very different. Next is what you can expect from each option.

Buying an ATM Machine Business: Important Terms

Before getting into specifics, there are some terms that are used when discussing multiple ATM machines under one operator. 

Typically, when we help independent ATM deployers (IADs) get started in the ATM business, we walk them through the process of getting their first, single ATM machine placed, installed, and running. If you’re just getting started in the ATM business, it makes sense to start with just one machine. 

Learn the ins and outs. Master the process. Then you can think about purchasing, placing, and operating more machines once you gain traction and maybe even steady revenue to invest in more machines.

When talking about more than one ATM machine, you might start to hear terms like “route” and “fleet”. In the ATM business context, these terms are related but not always interchangeable.

Route vs. Fleet

An ATM route refers to a set of ATM locations managed by an operator. It emphasizes the geographic distribution and operational structure of ATMs placed in multiple locations (e.g., a route of ATMs in gas stations, hotels, or convenience stores).

An ATM fleet refers to the group of ATMs owned and managed by a single operator, regardless of their locations. It focuses more on the machines themselves rather than their placement.

While people often use the terms interchangeably, “route” is more commonly used when discussing buying or selling an ATM business because it implies an existing network of profitable locations. “Fleet” is more general and often used in discussions about ATM inventory or expansion plans.

Simply, you might have a “fleet” of ATM machines, and they may or may not be sitting in your garage waiting to be placed. Or, you may have a “route” of ATM machines that you regularly monitor, stock, and actively operate.

However, when buying an ATM machine business, the seller could be referring to a route or a fleet. So keep that in mind when determining whether the asking price is fair. Expect to pay more for a route which will have an existing customer base and earn consistent revenue.

Buying an ATM Machine Business vs. Starting an ATM Machine Business: How They’re Different

Initial Investment

Typically, the initial investment will be higher when buying an ATM machine business. ATM businesses for sale will be calculating the value of the equipment itself as well as the revenue potential. There are a number of factors that can influence the cost of buying an ATM machine business. But, for example, a route of 40 ATM machines in Houston, Texas might go for $160,000 and estimate a $90,000 annual cash flow.

When you start your own ATM business, you can purchase as many ATM machines as you can afford. ATM equipment ranges anywhere from $1,000-$3,000 plus the startup cash (~$2,000-$3,000) to vault them.

The main difference is that the existing route that you may be purchasing is already in business. So you would save the time it takes to find locations and negotiate agreements.

Buying an ATM machine business requires a higher upfront investment, but it comes with existing revenue streams. Starting an ATM business can be cheaper upfront, but it requires more leg work: finding locations, negotiating contracts, developing a customer base, etc. 

Revenue Generation

Similarly, buying an ATM machine business offers immediate cash flow from established locations. When you start your ATM business from the ground up, you have to build a client base and put in the effort to strategically place ATMs in profitable locations.

Operational Setup

Again, buying an ATM machine business comes with contracts, locations, and possibly a team in place already. Starting your own ATM business requires you to set everything up from scratch, including securing contracts.

Risk Level

You can typically expect the risk level to be lower when buying an ATM machine business as the business already has historical data. However, you have to be able to verify this for yourself or rely on the seller to provide accurate data. Be wary of sellers who are desperate to sell a route that costs more to operate than it’s worth.

Alternatively, the risk associated with starting an ATM business can be higher due to the uncertainty of how a particular location will perform, how the relationship with the location owner will pan out, etc.

Growth Potential

Typically, when buying an ATM machine business, you are limited by existing contracts unless you are able to negotiate out of them or expand further. You have less flexibility if you want to make changes to existing agreements or add more machines to a route if you are already stretched thin (in labor and funding). 

However, if you start an ATM machine business from scratch, your growth is potentially unlimited depending on your ability to secure successful, profitable locations.

Conclusion

So, buying an ATM machine business is ideal for those who want an established system with immediate cash flow. On the other hand, starting one from scratch allows for more control and flexibility but comes with higher risks and effort.

When evaluating an ATM route purchase, consider the following factors:

  • Location Quality: High-traffic areas can lead to increased transaction volumes.
  • Machine Condition: Ensure ATMs are up-to-date and compliant with current regulations.
  • Existing Contracts: Review the terms with location owners to understand revenue splits and contract durations.
  • Operational Costs: Account for expenses such as maintenance, cash replenishment, and potential location fees.

Overall, remember that it’s essential to conduct thorough due diligence to assess the profitability and sustainability of a route before making a purchase. And, if you come across an opportunity that is just for a fleet of ATM machines, keep in mind that you might still have to put in some effort in getting each machine established.

If you’re looking for an ATM route for sale, you can check online business marketplaces like BizBuySell or Facebook Groups like ATM Business Entrepreneurs. If you’d rather start your own ATM machine business, get your free ATM business start-up kit or contact us today!

How to Set Up an ATM Business: Tools You Need

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If you want to know how to set up an ATM business, you have to know what tools you will need. Starting an ATM business requires specific tools, equipment, and planning. Having this information ahead of time can help you get into business as soon as possible with minimal mistakes.

This article offers you a glimpse at the tools you will need throughout the course of setting up an ATM business. We will even let you know which tools are required, which are optional, and which are recommended. By the time we’re finished, you’ll know just how to set up an ATM business.

Business Formation

One of the first things you’ll need to do is set yourself up as a business. There are a few ways to do this. You can set up an LLC. This provides you with limited liability protection, some tax benefits, and credibility. An LLC does involve some costs and administrative tasks, so you might not consider an LLC until you’ve gotten established and started bringing in some money.

The other thing you can do is set yourself up as a sole proprietorship. This is how most new independent ATM deployers (IADs) start their businesses. When you create a sole proprietorship, you operate under a fictitious business name, or a DBA—doing business as. Regardless of which route you take, you will need this information to open a business bank account and set up the vendor relationship for your business with the ATM processor. 

A business bank account is the second tool you’ll need during the business formation stage. You can’t get very far without it because the ATM company you process with will need the account information. This bank account is where you will withdraw the cash from to stock the ATM machine. It’s also where the processing company will send, or settle, the withdrawn funds so that you can continue to regularly fill your machine and operate.

ATM Equipment

Once you have your business entity and bank account set up, you can purchase equipment! You can purchase equipment earlier, it just saves a step to purchase equipment from the same company you process with. Here, you have many options. 

In short, the largest ATM manufacturing companies are Hyosung, Genmega, and Triton. There are three sizes of ATM machines: wall mount (smallest), freestanding (most common), and through-the-wall (TTW). You can purchase equipment new or refurbished.

Depending on what machine you select, you might have some options regarding features. Keep in mind that most upgrades and add-ons like extra cassettes, special locks, fancy keypads, toppers, etc. are nice to have rather than need to have. This is especially true if you are operating on a tight budget. Many of these things can always be added later once your business starts making money.   

Cash Management

One of the biggest questions about how to set up an ATM business is about the cash. Where does it come from? Whose is it? Where does it go? You have a few options when it comes to cash vaulting as well. 

Most IADs stock their machines with their own cash. You might need $2,000-$3,000 to start. This gets calculated into your startup costs. This money is yours, and after it’s withdrawn it gets redeposited into your account. However, it’s tied up in your business—you can’t use it for anything else or you will have an empty machine! And an empty machine can’t make money.

While $3,000 sounds like a lot of dough, it’s usually the wisest decision for the business. You can arrange to pay the business you set up in to handle this, or you can pay a third party vaulter or service to take care of the cash needs. But those regular bills add up. Alternatively, once you make back your own investment, you stand to profit more. So using your own cash is typically cheaper in the long run.

Location and Placement

You also need a location at which to place your machine. Typically, this would be someone else’s business: convenience store, salon, food truck park, etc. However, it could also be a space you rent in, say, a shopping mall or plaza. 

Working with another business is the cheapest way to operate. You can negotiate a share of the surcharge as incentive, but you don’t have to. An ATM offers a number of other benefits to store owners which you can leverage to help you close a deal. 

When you do, you will need a site location agreement. This is a contract between you and the location owner. It should include details like each party’s responsibilities, revenue share if applicable, termination agreement, etc. You can get a template for this or create your own. Just make sure you cover your bases and don’t neglect this necessary tool.

In terms of physically placing the machine, you’ll need a few things. First is a power supply. It is recommended that you use 110/115v 15a outlets that aren’t dedicated to other major appliances (freezers, refrigerators, etc.). It’s a good idea to use a surge protector, too, and maybe even an uninterruptible power supply (UPS) so that your machine remains operable during any outages.

Finally, you’ll want a drill and bolts to secure your machine to the ground. It’s cheap. It’s easy. And it will save you a lot of headache if someone gets the bright idea to try to steal or break into your machine!

Software and Connectivity

Now, you have your business, your equipment, and your location. You’re ready for customers, right? Wrong. Your machine needs to be connected to the card networks for it to communicate with users’ accounts and dispense cash. Therefore, you need to program the machine. You can do this with the help of your processing company. 

Make sure you have a strong, reliable internet connection. You can use the location’s internet service provider (ISP), but we recommend purchasing your own wireless device. This provides you with control over the functionality of your machine so that you aren’t at the mercy of someone else if connection is lost. The sooner you’re up and running, the more money you’ll make.

Compliance and Security

Next, you want to make sure you are compliant and secure. Your location might require that you have some sort of liability insurance. If they don’t, we’d still recommend it. You can get general liability coverage affordably. This is also something you can opt to spring for after you start making money if you so choose. 

You will also want to make sure your machine is under surveillance. This might mean purchasing security cameras if the location doesn’t have them already. There are other tools you can purchase, too, like anti-skimmer devices and GPS trackers. It just depends on your budget, how much risk your location faces, and your own comfort.

You will, however, want to monitor your machine and its activity. Fortunately, your ATM processor can set you up with remote online monitoring. This provides you with metrics and insights that allow you to manage your machine without having to physically be on-site. 

Marketing and Branding

Once you know how to set up an ATM business, you can focus on marketing. When you’re up and running, you will want to make efforts to bring in customers. The most important thing you can do is make passersby aware it exists! This might involve investing in signage and/or creating an online presence. You can use social media platforms and/or have a custom web page made.

Branding can help create a sense of loyalty and recognition with your customers. It also goes a long way with negotiating new locations when you’re ready to place more machines. You can use social media, a custom web page, custom graphics to display on your ATM machine, and even a custom wrap to spice up a generic machine. 

All of this is optional. However, regularly investing in your business can help generate more revenue.

Ongoing Maintenance

There are some things you’ll have to budget for regularly. For example, if something goes wrong with your machine, you’ll want to have money set aside for a technician if necessary. You will also need a supply of printer paper to refill the machine. It’s a good idea to have some light cleaning supplies on hand, too. No one wants to use a dirty machine. 

Financial Tools

To help manage your finances, you can use accounting software like QuickBooks to keep track of revenue and expenses. Use reporting tools, like those associated with your remote online monitoring system, to monitor transaction reports for performance insights.

Networking and Support

The final tool you’ll need if you want to know how to set up an ATM business is a strong network and support. Partner with an ATM company that offers ongoing support and 24/7 technical assistance. Seek out ATM industry experts and build relationships. Join ATM industry forums and groups where people are always asking questions and offering advice.

Don’t go it alone. Learn from others to minimize avoidable mistakes, share your own experiences, and celebrate successes. 

Now You Know How to Set Up an ATM Business

Now you know how to set up an ATM business, and maybe even a little more than just that! Your next step is to get in contact with an ATM processing company who can help you get all of your documentation in order so that you can get started!

ATMDepot.com is your trusted ATM vendor, processor, mentor, and technical support team. Get your FREE ATM start-up kit, or contact us with any questions you might still have. 

Grab your toolbelt—it’s time to get to work!

How to Start ATM Machine Business in 2025

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How to start ATM machine business in 2025? Well, not much has changed in the past few years. The ATM machine business is a pretty stable, reliable business model that doesn’t involve a huge learning curve. You don’t need any specific education, training, or certification to get started. 

Resolving to be healthy, wealthy, and wise this new year? Don’t wait for good fortune—make it. Make the wise decision to generate some semi-passive wealth. If you want to get into the ATM industry, we can tell you how to start ATM machine business in just a few simple steps.

There is a lot of information out there about the best way to start an ATM machine business. So we’ll break it down into a few simple steps and provide you with information you’ll need to keep up with current trends and evolving technology.

How to Start ATM Machine Business in 2025 in 5 Simple Steps

Step 1: Choose Equipment

The first step in how to start ATM machine business is to select your machine. You can purchase your machine from anywhere, really. But you have to keep in mind that you cannot simply purchase a machine and be in business. That machine must be connected to credit card networks, and that can only happen through a processing company.

So, it might be best to purchase your equipment from an ATM company that serves as a vendor as well as a processor. That way, you know that the equipment you purchase is compliant (more on this later) and will connect to the processing networks. 

Step 2: Paperwork and Contracts

Second, you’ll need to complete the necessary paperwork and contracts. Don’t be daunted, though. It’s really quite basic and nothing more than you’d need to start any new job or business venture.

You’ll need to provide a copy of your driver’s license, complete a background check, and submit an ACH form. This ensures that you are legally allowed to own an ATM business and lets the ATM company know where to deposit your revenue!

And, just like any other “job”, you’ll need to complete a W-9 form for tax purposes as well as any other contracts or documents required by the ATM company who will process your transactions. For example, the ATM company will need documentation of what denominations you plan to dispense and how much you plan to surcharge. This can always be changed, so don’t worry. Once you’re in business, you’ll get a better idea of what you need to service your customers. 

Step 3: Find a Location

This is the fun part. We can give you all the advice in the world, but when it comes down to it, you really know best. The best locations really depend on where you’re located. Where is there a gap in the market? What businesses do you already have a good relationship with who might benefit from ATM services? What locations are convenient for you to commute to?

These are all factors when it comes to choosing locations to partner with for ATM placements. But, of course, it comes down to a little bit of research on your part. What locations need ATM service? What locations are unhappy with their current provider or just need an upgrade? These are prime opportunities for you.

Then, once you find a location that is interested in partnering with you, you will want to develop a contract that meets the needs of both parties. Part of your startup paperwork will include a placement agreement that stipulates a number of policies. Will you share the surcharge revenue? Who is responsible for vaulting? Who will be providing the internet connection? What happens if one party wants out of the contract? These are all clauses you’ll want to consider in a contract between yourself and the location owner.

Step 4: Choose Your Surcharge

A major part of operating an ATM business is setting your surcharge fee. This is the fee that users pay to use your machine out-of-network from their own bank network. This is how you make money from your machine. This fee is increasing across the country, so anywhere from $3-$5 is becoming the standard. 

However, it’s a good idea to gauge the fees in your area to make sure you’re offering a competitive rate. It doesn’t make any sense, for example, to set a $4 surcharge fee if the ATM down the street offers ATM service for $3 a transaction. Alternatively, if the ATM down the street offers a $4 surcharge fee, you stand to make a lot more in just quantity if you offer a $3 surcharge fee.

Step 5: Install Your Machine

Once you have your equipment and location chosen, you can install! Installation is fairly simple. You can do it yourself or, if you choose, can hire a technician to install it for you. The most important installation tip is to bolt your machine down! Making sure that your equipment doesn’t budge is a huge deterrent to thieves.  

Your equipment can come pre-programmed. But if it isn’t, this is also something you can easily take care of yourself either with the help of a user manual, technician call, or video. Once you’re installed and programmed to communicate with the network, you’re in business and ready to make money!

How to Start ATM Machine Business in 2025: What’s Changed

Every year, there are advancements in technology, innovative solutions, and regulations and laws you must abide by. Existing ATM machine business owners know that it is their responsibility to keep up with these changes from year to year. 

But as a new ATM machine business owner, you simply need to be sure that all of the information you receive regarding how to start ATM machine business is relevant, up-to-date, and compliant. Here are some areas to consider:

Regulatory Updates and Compliance

Regulations are always changing no matter what industry you’re in. For the ATM industry, this might apply to accessibility and compliance with the Americans with Disabilities Act (ADA). Or it could apply to payment card industry (PCI) which involves ATM PIN pads and data encryption. 

Furthermore, the rise of cryptocurrency ATMs has attracted regulatory attention due to concerns over money laundering and compliance with financial laws. Operating such machines requires strict adherence to anti-money laundering (AML) regulations, and non-compliance can lead to legal actions.

In other words, ATM equipment you purchase and how you set it up matters and might change from year to year. But you don’t have to worry. There are a number of trusted resources available to guide you including your ATM company. It is their job to ensure that operators they contract with are fully compliant—that is, if you work with a reputable ATM company. 

Technological Advancements

Technology is always changing, too. Newer ATM technology is typically more user friendly, both for the operator and the customer, which is a benefit of purchasing the newest equipment you can afford.

Customers trust equipment that looks sleek, clean, and, well, functional. Moreover, the more convenient ATM features are, the more likely customers are to use it over competing machines. That equates to more transactions and more revenue for you. 

The market is experiencing a shift towards smart ATMs equipped with features like mobile integration, biometric authentication, and cash recycling capabilities. These advancements enhance user experience and operational efficiency, making them a competitive choice for new ATM deployments.

There’s also a growing trend towards ATMs that support contactless and cardless transactions, allowing users to initiate withdrawals using mobile apps or biometric data. Implementing such features can attract tech-savvy customers seeking convenience. 

A decline in physical cash usage could influence your business. However, while cash usage may decline, ATM service is still something consumers need and expect. Just because there are more payment options now doesn’t mean no one uses cash. It is still necessary and convenient in a number of situations. 

And while ATM fees are rising, that just goes to show that there is more money to be made in the industry. Whether you meet the market standard or offer a competitively low surcharge fee, chances are that customers will pay it for convenience’s sake, and that’s good for business.

Security

The more safeguards that are put into place, the more creative criminals get. When one barrier arises, a new breach is invented. Therefore, it is important to remain aware of innovative ATM attacks, tampering tactics, and potential points of a breach so that you can be proactive in preventing and closely monitoring your machines. 

You can’t spot tampering if you don’t know what to look for, and you can’t protect your machine if you can’t predict how someone might attack it. Vigilance is the most important thing you can do when it comes to ATM security. So you need to remain educated about what to look for and actions to take in response.

Tips for How to Start ATM Machine Business in 2025

As you work to start your ATM machine business in 2025, follow these simple tips to ensure you minimize mistakes and maximize success:

First, keep yourself informed of changing regulations. Regularly consult with ATM industry news sources and updates from your ATM company to ensure you remain compliant with the latest standards. 

Second, if your budget allows, invest in advanced technologies. Consider deploying smart ATMs with features like contactless transactions and biometric authentication to meet evolving consumer preferences.

Third, assess market demand. This might mean finding the most lucrative location or simply understanding regional cash usage trends so that you can adapt your business model accordingly. 

Finally, never compromise on security. Implement robust security protocols to protect against fraud and comply with anti-money laundering (AML) regulations, especially if dealing with digital currencies.

By staying knowledgeable of these developments and adapting your business strategy, you can position your ATM business for success in the evolving financial landscape of 2025. Ready to get started? ATMDepot.com can help. Get your free ATM startup kit or contact us today! Check out our complete guide on how to start an ATM business for beginners here. 

Happy new year! We at ATMDepot.com wish you health, wealth, and wisdom. It’s in your hands now!

How Does an ATM Business Work: Top 15 Questions New ATM Business Owners Ask

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So you want to be an ATM owner. But how does an ATM business work? You will want to know what to expect before you get started. And, if you’ve already gotten started, you might have some specific questions about what to do next.

You’re not alone. Here, we’ve compiled the top 15 questions new ATM business owners ask. 

Setup and Startup

1. Do I need any licenses or permits to operate an ATM?

You do not need a specific license to operate an ATM business, but you will need some sort of business name to complete the agreement with the ATM processor as your ATM vendor and to open a business bank account. 

You can establish a limited liability company (LLC) to separate your personal assets from your business liabilities. Or, the simplest and most common route among new IADs is to create a sole proprietorship and operate under a fictitious business name, or a DBA—doing business as. 

2. How do I choose a good location for an ATM?

High foot traffic areas like convenience stores, bars, malls, or near public transportation hubs are ideal. If you want your machine to make money, it’s got to be in a place where the most people see and use it. However, you will also want a location where there is the largest need for ATM service. This might be shopping centers, cash-only venues, or anywhere that is currently lacking ATM access. People will pay more for convenience.

You might want to start where you have already built a relationship. Any businesses you frequently visit will be easier to negotiate than colder leads. Regardless, the process is the same. Get in touch with the business owner, introduce yourself, pitch your offer, list the benefits, and provide your contact information. 

Offer a share of surcharge profits or other incentives to secure prime locations. You can also simply request a referral. If one business owner isn’t interested but knows someone who might be, locations that are seeking ATM service or want to change providers are easy ins! 

For more ideas, check out our list of some of the best ATM locations.

3. How much cash do I need to stock an ATM?

This depends on location demand, but typically $2,000 is a starting point. You might be able to get away with $1,000 if you have a tight budget, but keep in mind that the less money you load, the more frequently you might have to visit the bank and the machine to reload cash. This can create more work for you and cut into your profit. Monitor the transaction activity on your machine and stock as necessary depending on the cash needs of your customers.

Tech and Operation

4. Do I need to own the cash I put into the ATM?

Most independent ATM operators use their own cash unless they partner with a vault cash provider. Using your own cash saves you money on a cash vaulting service. Your ATM service provider will settle the ATM funds to your ATM business bank account from which you withdraw those same funds to restock the machine.

5. What software or services are required to run the ATM?

How does an ATM business work without software and credit card network connection? It doesn’t. You can’t simply purchase and place an ATM machine to operate your business. You’ll need ATM processing services to connect your machine to banking networks for transactions.

6. How often do I need to refill the ATM?

This depends on transaction volume and the cash capacity of the machine. High-traffic locations may require daily or weekly refills. Since weekends are typically high transaction days, it might be a good idea to refill the machine on a Thursday or Friday. 

Try to avoid refilling the machine at the same time every day. Keeping an unpredictable schedule will keep you and your vault cash safe from anyone who might be watching.

7. What if the ATM breaks down or has technical issues?

Most maintenance you can easily conduct yourself. For more complex problems, simply contact your ATM provider or other ATM technician for help. Consult the manual for your machine when necessary, and check YouTube for how-to videos to save yourself time and money hiring someone else. 

Know your machine well by monitoring the activity. That way you can identify errors and anomalies more quickly. The faster you resolve an issue, the less time you spend out of business, and the more money you make. This is where 24/7 customer support really comes in handy. But there are some common error codes you can quickly handle yourself.

8. How secure is my ATM from theft or fraud?

Your ATM machine is really no more vulnerable than any cash register anywhere. You simply need to remain vigilant and aware of potential threats. Just like you know where your purse or wallet is at all times or analyze your bank statements, secure your machine and monitor its activity.

Simple barriers can deter vandalism, theft, and tampering. Make sure your machine is firmly bolted to the ground. Keep a straight, clear path to the machine open for customers, but block the sides with furniture or displays to minimize physical and logical attempts to access the hardware and software. 

Keep your machine under surveillance. Whether it is always in view of a location employee or in the line of security cameras, advertising this kind of monitoring can deter criminals as well as reassure customers of their safety. 

Know your machine well. You don’t want someone to install a pinhole camera or fake front to your machine that would compromise customer account data. Regularly inspect your machine to ensure that it hasn’t been tampered with. The most important thing you can do is be vigilant. 

Finance and Profit

9. How do ATM owners make money?

For independent ATM deployers, most revenue comes from surcharge fees charged per transaction and, in some cases, a portion of interchange fees. Surcharge fees vary by location but typically range from $2 to $4 per transaction. 

How does an ATM business work if you don’t own and operate your own machines? Site locators who negotiate with location owners on behalf of ATM owners can request a flat rate or negotiate for a share of the surcharge. ATM vendors can mark up the price of ATM equipment to earn an upfront commission and/or keep a share of the surcharge for servicing the machine. And ATM vaulters can create a fee schedule that calculates rates based on distance and frequency.

10. How profitable is an ATM business?

Profitability depends on location, transaction volume, and operational costs. Some ATMs earn $300–$1,000+ per month. But remember that your profit is surcharge revenue less operating costs.

Most IADs expect to make an annualized return of 35%-70% or more. With just one machine, you can make a few hundred dollars a month. If you want to make thousands of dollars, plan to scale your business by adding more machines to your route.

Check out these formulas and calculators to help set the right surcharge fee and estimate your revenue.

11. What are the ongoing fees or costs?

Ongoing costs will include internet service, insurance, maintenance, and travel. 

While you can simply connect to and use the location’s internet service provider (ISP), you have much more control over your ATM operation if you purchase your own wireless device. The minimal cost is worth the benefits. If the location loses service for any reason, you are at their mercy and might not have control over communication with the ISP. In the meantime, your machine will be out of service and you’ll miss out on those transactions.

It is a good idea to purchase at least limited liability insurance. And some locations might require this as part of your agreement. It is relatively cheap and typically covers bodily injury, property damage, medical payments, and legal defense.

Maintenance costs might include service calls or replacement parts. You should also make sure you regularly clean the machine. Purchase a gentle cleaner to wipe down the machine. Replace any worn decals, and address any signs of vandalism as applicable.

Finally, depending on the number of locations you service and their distance from your home, you might consider fuel or other travel costs. 

Growth and Expansion

Yes, many operators expand their business by managing multiple machines in different locations. After you get comfortable with your first one, start scouting out other locations!

12. Can I operate multiple ATMs? 

The more machines you operate, the more money you stand to make. However, don’t create more work than you can manage. You always want to be able to provide good service to your locations to maintain a positive professional reputation.

Trends include mobile wallet compatibility, cryptocurrency transactions, and enhanced security features. Monitoring trends in the ATM industry is crucial for staying competitive, maximizing profitability, and ensuring the longevity of your business.

14. How do I monitor my ATM transactions and performance?

Your ATM processing company should set you up with online monitoring tools. This gives you access to a dashboard where you can, and should, track transactions, identify trends, meet cash needs, and watch out for unusual activity. 

15. Can I integrate additional services like bill pay or mobile recharges?

How does an ATM business work as people use cash less than digital payments? Well, some ATMs support additional financial services to increase usage and profits. Services might include utility bill payments, mobile phone recharges, money transfers, and gift card purchases.

First, determine if there’s a need for these services in your ATM’s location. Then, ensure your ATM model supports software updates or has the hardware capabilities for additional features. 

Find a processing partner that offers these services. Consider integration compatibility with your current ATM setup, service fees or revenue-sharing models, and customer support and troubleshooting assistance.

How Does an ATM Business Work: Now You Know

ATMDepot is a one-stop shop for your ATM business needs. You can purchase equipment, set up processing, and receive ongoing support and 24/7 customer service.

So how does an ATM business work? We hope we’ve answered your questions. If we missed anything, don’t hesitate to contact us!