Convenience Store ATMs

For convenience stores and gas stations, ATMs have become an expected part of the store. It allows the convenience store to be more of a one stop shop for those customers who like to buy things with cash. These customers include banked or underbanked individuals, customers withdrawing their paycheck or government benefits, travelers needing spending cash, and customers using cash to budget. If a customer does not first see an ATM, they will ask “Where is your ATM”. If you cannot point them in the direction of your in-store or outdoor ATM machine, they will likely take their business to another convenience store. Instead of possibly becoming a loyal customer, they have taken their business elsewhere.

ATM for My Convenience Store


In addition to the money made from the surcharge, 25% of the money withdrawn from an ATM will be used in the store. The average money withdrawn from a convenience store ATM is about $80. Of that $20 ($80 * 25%) is used in the store. With average gross margins of a convenience store at around 20%, a convenience store owner can increase their profit by $4 for each convenience store ATM transaction.

Whether you have many or one convenience stores nationwide, National ATM Systems can provide them for you. The following are the options available to a convenience store owner for each ATM:

Turn Key ATM Solution – If you have a location that is likely to have high volume, National ATM Systems will provide you an ATM, load the cash, and maintain the ATM. This solution is the least cost and effort by the merchant.

ATM Placement – If you have a high or medium volume location for an ATM and you would like to make more money from the surcharge than the Turn Key ATM Solution, you may want to load the cash yourself. In ATM Placement, National ATM Systems will provide and maintain the ATM. Because there is no upfront cost to purchase the machine, this is an easy way to obtain an ATM for your place of business.

ATM Maintenance – If you have a high or medium volume location for an ATM and want to buy your own ATM but don’t want to perform ATM Maintenance, National ATM Systems will provide this service to you.

ATM Processing Only – If you want to make all the surcharge revenue or you do not qualify for the other options, then the choice would be to buy the ATM and have National ATM Systems provide ATM Processing Only. In this case, you purchase an ATM; perform maintenance and the cash loading. If you own the ATM, supply the cash, and do all the maintenance; then the business will get a 100% of the surcharge.  The cost of a new retail ATM starts at $2195 and increases depending on the model and options. A used, EMV-compliant ATM will start at $1100 for the oldest models and will increase depending on the age, type of machine, and options. A newer ATM will increase the number of ATM transactions that a business benefits.