Place the ATM Where It Pays

Even with digital payments becoming more common, cash is still important in many day-to-day purchases, especially at local retail stores. For business owners and ATM operators, placing a machine in the right location can create a steady stream of passive income. Whether you run a convenience store, manage a gas station, or expand an ATM network, choosing the right spot makes a big difference.

Why Retail Stores Are the Prime Locations for ATMs?

Retail stores naturally attract steady foot traffic. Whether customers are grabbing a drink, picking up groceries, or filling up their gas tank, adding an on-site ATM gives them one more reason to visit. Industry data shows that nearly 25% of the cash withdrawn from ATMs is spent right inside the host store. That means your ATM isn’t just earning through surcharge fees, it’s also helping increase store sales.

At ATMTrader, we often recommend placing machines in high-traffic spots like convenience stores, gas stations, supermarkets, shopping centers, laundromats, and even vape shops. These locations consistently show strong performance and offer solid returns for both store owners and operators.

Where to Place the ATM Inside the Store?

You might have the best ATM in town, but if it’s placed in a back corner, it won’t get the attention it needs. The most effective ATMs are installed where people naturally walk or pause, such as near the main entrance, close to the checkout counter, or next to high-traffic areas like drink coolers or impulse displays.

Avoid placing the machine behind aisles or in dimly lit corners. It should be easy to see, well-lit, and ADA-compliant. Simply moving an ATM to a more visible spot can often lead to a noticeable increase in transactions.

If you’re unsure about the ideal location, the ATMTrader team can help. Contact us to discuss the best placement for your ATM.

What are the ATM Revenue Models That Work?

There are several ways to structure your ATM business inside a retail store, depending on who owns the machine and who handles day-to-day operations:

Free ATM Placement: The operator supplies the machine, manages all maintenance and cash loading, while the store provides space and earns a share of the surcharge fees.

Revenue-Sharing Model: The store may assist with tasks like cash loading in exchange for a higher portion of the revenue.

Retailer-Owned: The store purchases the ATM, keeps 100% of the surcharge revenue, and either manages or outsources the maintenance.

For example, a machine with 500 monthly transactions at a $2.50 surcharge generates $1,250 in gross revenue. With the right business model, both the store owner and the operator can benefit from a steady stream of income.

Not sure which setup is right for you? The ATMTrader team can guide you through your options and help you choose a model that fits your goals, budget, and resources.

How to Choose the Right Retail Format for ATM Placement?

Here’s a quick comparison of common retail formats and how to approach ATM placement in each:

Each store type serves a different customer profile, so matching your ATM to the needs and habits of local shoppers is key.

What Makes an ATM Safe, Reliable, and Worth Using?

A successful ATM needs to be both secure and reliable. If a machine feels unsafe, customers are likely to avoid it. And when the ATM is down, you miss out on potential revenue. To keep things running smoothly, place your machine in a well-lit, visible area with camera coverage.

Add physical protection, like bollards, in exposed locations. It’s also important to work with a trusted partner for remote monitoring and fast maintenance. This is where ATMTrader can support you, offering reliable service plans, expert advice, and ongoing support to keep your machine performing at its best. Regular maintenance helps prevent issues like empty cassettes or technical problems. A well-maintained ATM builds trust, and trust brings repeat use.

What Are Smart Ways to Boost ATM Revenue in Retail Stores?

Once your ATM is installed, the next step is encouraging regular use. Adding services like mobile top-ups, bill payments, or crypto purchases can attract more users. Simple tools like window decals or ATM signs also help draw attention. You can partner with store owners on small promotions, such as offering a discount with an ATM withdrawal, or connect usage to loyalty programs and digital coupons. These small efforts can lead to steady growth. ATMTrader can support you with ideas, tools, and resources to help increase foot traffic and maximize your ATM’s earning potential.

Are You Treating Your ATM Like a Real Business Asset?

Your ATM isn’t just a machine, it’s a small business that can generate steady income when managed the right way. Every decision, from placement to upkeep, impacts your results. A good location with high visibility can turn an average machine into a strong source of revenue.

Whether you’re a store owner adding your first ATM or an operator growing your network, placement and reliable support are key. ATMTrader offers a wide range of ATM machines and expert guidance to help you choose the right setup for your space and start earning with confidence.