A Smarter Way to Earn in 2025
Cash use has declined, but not disappeared. In 2025, many small transactions, especially in bars, salons, gas stations, and independent retail, are still paid in cash. This creates an opportunity for store owners and entrepreneurs to generate income through ATM usage fees.
ATM machines typically generate between $2.50 and $4.00 per withdrawal. With steady foot traffic, one machine can earn a few hundred dollars a month. Operators also avoid credit card processing fees, making it a useful tool for both revenue and cost savings.
Want to earn extra income at your business without adding new products or services? Thinking about turning ATMs into a full-time side hustle? Whether you're looking to bring one into your store or place machines across multiple locations, the right setup can generate steady, low-effort revenue. Just keep in mind—permits, contracts, and setup rules vary by location, so it’s important to check local requirements before getting started
Should You Buy One ATM or an Entire Business?
There are two common entry points into the ATM industry: buying a single machine or purchasing an existing ATM business. Buying one machine is typical for store owners or new operators. It offers full control over surcharge fees, cash loading, and maintenance, with lower upfront costs and a simpler learning curve.
Buying an ATM business means acquiring multiple machines—often already placed in active locations with service routes and revenue history. These deals may include contracts with host businesses and processing arrangements. They're usually found through referrals, private networks, or small business listing platforms.
Before committing, buyers often review location agreements, machine condition, revenue reports, and whether ownership and contracts can be transferred cleanly. These steps help avoid issues after the sale.
How to Get an ATM in Your Store
Business owners usually either buy their own ATM or host one through a placement program. Buying your own machine gives you full control: you set the surcharge, keep 100% of the transaction revenue, and handle restocking and upkeep. Most owners place the ATM near the entrance or checkout, using signage to drive usage.
Hosting a machine through a placement provider requires no upfront cost. The provider installs, maintains, and loads the ATM, while you supply power and floor space. In return, you receive a portion of the surcharge—typically between 20% and 30%.
Regardless of which model you choose, the machine will need a power outlet, internet access (wired or wireless), and steady foot traffic. Most indoor locations also benefit from good lighting and visibility. If you're buying your own machine, two models trusted by many operators are the Hyosung Halo II and Genmega G2500.
How to Set Up an ATM Machine
Most indoor ATMs require a flat surface, a standard power outlet, and a stable internet connection. Machines can connect through wired Ethernet, Wi-Fi, or cellular modems, depending on the model and location.
Common setup steps include:
- Anchoring the ATM to the floor for security
- Connecting to power and internet
- Initializing software and loading the cash cassette
Many operators choose professional installers to handle setup, especially for their first machine. Installers typically test connectivity, set the surcharge fee, and ensure the screen and keypad function properly.
Outdoor installations may require additional security measures, such as bollards, weatherproof housing, cameras, and lighting. ADA considerations—such as screen height and reach—should also be reviewed.
Regulations may vary by city or state. Some areas require permits for outdoor ATMs or compliance with accessibility standards. Operators should confirm local requirements before installation.
How to Run an ATM Business in 2025
ATM operators are responsible for cash loading, maintenance, and transaction monitoring. Most machines need to be restocked with $2,000 to $5,000 in cash, depending on withdrawal volume. Cash is usually recycled from the operator’s own bank account, then replenished as customers use the machine.
Operators use remote monitoring software to track withdrawal activity, machine status, and error alerts. This helps prevent downtime and manage cash levels more efficiently.
Basic maintenance includes receipt paper replacement, cleaning the card reader, and occasional keypad checks. Most software updates are handled remotely by the processing provider.
Operators often increase profits by selecting high-traffic locations, adjusting surcharge fees, and offering additional services like prepaid phone top-ups. Some reduce costs by buying machines in bulk or learning basic maintenance to avoid service fees.
Some operators scale by adding machines to multiple businesses. This typically requires agreements with each location owner, outlining revenue splits, equipment responsibilities, and contract terms.
How ATMTrader Helps at Every Stage
ATMTrader supplies new and refurbished machines suited for retail, hospitality, and high-traffic environments. Customers can choose models with EMV, ADA, and PCI-compliant features that match their installation needs.
Support includes equipment setup guidance, accessory recommendations, and access to reliable processors. Bulk pricing is available for multi-unit purchases, and tutorials are provided to help owners handle common issues.
ATMTrader is powered by NationalLink, an industry leader with over 30 years of experience in ATM services and cash management. This foundation ensures customers receive dependable service, vetted hardware, and long-term support as they scale.
FAQs
Q: How much does it cost to buy an ATM for my business?
A: Most new machines range from $2,295 to $3,500 depending on features. Additional costs may include a wireless modem, signage, and delivery.
Q: Can I earn money with just one ATM?
A: Yes. One well-placed machine can earn hundreds per month through surcharge fees, depending on foot traffic and usage patterns.
Q: How long does setup take?
A: Delivery and installation usually take 3 to 7 business days, depending on location and installer availability.
Q: What is Free ATM Placement?
A: Free ATM Placement means a provider installs, maintains, and stocks the ATM at your business at no cost. In return, you share a portion of the surcharge revenue. ATMTrader can help you explore this option if you prefer not to own the machine.
Q: Do I need a license to own an ATM?
A: Some states have registration or licensing requirements for ATM operators. Always verify with local authorities or consult a qualified professional before starting.
Q: What happens if my ATM breaks?
A: Most issues can be resolved remotely. For hardware failures, ATMTrader offers support and replacement options, depending on warranty or service agreements.
Need Help Getting Started?
Whether you’re placing your first ATM or planning to grow an ATM business, ATMTrader offers the tools, hardware, and support to make the process easier. Browse available machines, request a free consultation, or explore Free ATM Placement options today.
For assistance, call (855) 286-2286 or visit ATMTrader.com.