Get an ATM for Your Business
An ATM in your business increases foot traffic, drives cash spending, and generates surcharge revenue on every transaction. National ATM Systems gives you three ways to get there: a turnkey program, free ATM placement, or purchasing a machine outright. See ATM Pricing We handle everything from equipment selection and installation to processing and maintenance.
How an ATM Makes Money for Your Business
Every ATM transaction generates a surcharge fee (typically $2.50 to $3.50) paid by the cardholder. Depending on the program you choose, that revenue goes entirely to you or is shared with us in exchange for covering all costs.
Beyond surcharge income, the cash effect matters: studies show that 25% of cash withdrawn from an in-store ATM is spent in that same store. For bars, entertainment venues, and casinos, that number can exceed 80%. A well-placed ATM in a high-traffic location typically generates $200–$600 per month in surcharge revenue. Your actual return depends on foot traffic, surcharge amount, and location.
Three Ways to Get an ATM for Your Business
Purchase an ATM Machine
Buy the machine outright and keep the vast majority of surcharge revenue. We can supply processing, maintenance, and vault cash services separately. Best for high-volume locations where owning the machine pays off quickly.
Turnkey ATM Program
You get a portion of the surcharge revenue stream while we handle the operational side: installation, processing, maintenance, and cash management. Best for businesses that want income without the day-to-day management.
Free ATM Placement
We provide, install, and maintain the machine at no cost to you. In exchange, we split the surcharge revenue.
Learn About Free ATM Placement
Where to Put an ATM in Your Business
Placement is the single biggest factor in ATM performance. High-visibility, high-traffic spots (near the entrance, checkout counter, bar station, or main floor) consistently outperform machines placed in back corridors or low-traffic areas. You should also consider the security of the ATM. It is not advisable to put an ATM behind glass doors or windows that do not have bollards in front of them. Before installation, we'll consult with you on the optimal location for your floor plan and customer flow.
ATM Solutions by Industry
Casinos
Casinos run on cash. ATMs must be operational at all times. Downtime directly costs the floor revenue. We provide high-reliability machines with advanced functionality including credit card cash advance, debit cash advance, ticket redemption, and bill breaking. Our service response standards are built around casino uptime requirements.
Convenience Stores & Gas Stations
An ATM has become an expected part of the convenience store experience. Customers who don't find one will leave and find a competitor who has one. Cash customers, including those withdrawing paycheck or benefits funds, travelers, and cash-preference shoppers, are among the highest-frequency buyers. An ATM keeps them in your store and spending.
Cannabis Dispensaries
Dispensaries operate in a cash-heavy environment due to federal banking restrictions. A reliable ATM is essential, not optional. We provide ATMs configured for dispensary operations. We understand the compliance requirements specific to this industry.
Bars, Nightclubs & Entertainment Venues
Cash spending at entertainment venues, including tips, cover charges, concessions, and games, is driven by on-site ATM availability. When customers run out of cash, they leave. An accessible ATM keeps them on the floor and spending. For high-volume venues, the surcharge revenue alone can be substantial.
Hotels & Hospitality
Hotel guests need cash for tipping, transportation, dining, and local spending. An ATM is a convenience guests expect and notice when it isn't there. We work with single-property and multi-location hospitality groups to place ATMs that match the property's atmosphere, including custom cabinet and through-the-wall configurations.
Retail Stores
Retail ATMs increase foot traffic, reduce credit card processing costs by shifting purchases to cash, and add a revenue stream with no inventory risk. Even lower-margin retail locations benefit when the ATM becomes a reason customers choose your store over a competitor.
Financial Institutions
Banks and credit unions looking to outsource their ATM program can reduce capital expenditure, eliminate operational overhead (armored car, maintenance, upgrades), and offload liability related to Regulation E, EMV compliance, and fraud risk. We can provide bank-branded ATM networks with custom wraps and surcharge-free access for your cardholders via BIN configuration.
Special Events
Mobile ATM rental for festivals, fairs, sporting events, trade shows, and private events. We deliver, set up, and retrieve the machine. Cash availability at events increases vendor sales and reduces lost revenue from card-not-accepted vendors.
Other Business Types
If your business isn't listed above, including salons, tattoo parlors, laundromats, food halls, and markets, we can still provide an ATM solution. Any business with regular foot traffic and cash-paying customers is a candidate.
ATM for Business: Frequently Asked Questions
How much does it cost to put an ATM in my business?
That depends on the program. With our turnkey program, your cost is zero. We cover the machine, installation, cash loading, and maintenance in exchange for a share of the surcharge revenue. If you purchase the machine outright, prices start at $2,395 for a new unit. Installation, processing, and vault cash services are available separately. See full ATM pricing.
What is the best ATM for a small business?
For most small businesses, including retail shops, salons, and small restaurants, a standard freestanding unit is the right fit. The Genmega G2500 and Hyosung Halo II are reliable, cost-effective options with strong service records. We'll recommend the right model based on your space, expected transaction volume, and whether you're buying or using a placement program.
Will an ATM increase sales in my store?
Yes. Studies consistently show that 25% of cash withdrawn from an in-store ATM is spent in that store. For cash-intensive environments like bars and entertainment venues, the figure can reach 80%. Beyond direct spending, ATMs drive repeat visits from cash-preference customers who learn your location has one.
How much can I make from an ATM in my business?
A typical business location generating 200–400 transactions per month at a $3.00 surcharge earns $600–$1,200 per month gross. Under our turnkey program, you receive a portion of that. If you own the machine and retain the full surcharge, your net depends on transaction volume minus processing fees. Contact us for a projection based on your specific location and foot traffic.
Where should I place the ATM in my store?
Near the entrance or the point of highest traffic: checkout counter, bar station, or main floor. Avoid placing ATMs in back corners, near restrooms, or in low-visibility spots. You should also consider the security of the ATM. It is not advisable to put an ATM behind glass doors or windows that do not have bollards in front of them. Placement is the single biggest driver of transaction volume. We will advise you before installation.
Do I need to load the ATM with cash myself?
Only if you purchase the machine and opt to manage it yourself. Under our turnkey programs, we handle vault cash. We load and replenish the machine on a schedule matched to your transaction volume.