How to Keep Your ATM Business Going During the Coronavirus Pandemic

Make no mistake, we are at war with an invisible opponent and it takes an Army to overcome it. You all are an Army! No one here is alone in this. We’re a family of ATM Entrepreneurs with tons of experience and ideas. We will get through this and many innovations and relationships can be borne from it.  Take advantage of any opportunities you can. Here are some thoughts and ATM Business Coronavirus Tips …

Hang in there, people. Believe it or not there could be an opportunity if you’re willing to risk it.  

While at home, you could be planning for the future. This situation is not going to last forever. Stay safe but you can still do things to grow and maintain your ATM Business. Like …

  1. Calling Local Essential Store Owners: Call local essential store owners and offer to take over their ATM for 90 days so they can focus on their main business. Offer to sterilize the ATM often or add value that can help them during this crisis. Think about what might help them and benefit you or your future relationship with them.
  2. Placing an ATM in Your Neighborhood: Think about what would make a difference in your neighborhood. Would a mobile ATM help? People might not want to use an ATM in the grocery store, target, or Wal-Mart right now. They are probably not as sanitized as one that would be brought to their house in a van or on a trailer.
    • Get creative. Even a small 3′ x 5′ trailer (enclosed or open) would accommodate an ATM. Bolt it to the floor of the trailer and reinforce it with some steel “L” metal or large galvanized eye bolts if you want, that will allow you to even add a lock if you want from inside the ATM.
    • Add a Wireless device, Car battery, inverter, and a car battery trickle charger at home overnight and you’ve got a low budget mobile essential service ATM.
    • Advertise on the app; clean, safe, cash delivery. You can probably set the surcharge at whatever makes it worthwhile for all parties.

Place an ATM in Your Neighborhood

They are paying you for an essential service that lessens their risk to exposure. You are risking exposure as are first responders, medical professionals, grocery clerks, and other essential businesses and employees. 

Contactless delivery of cash would mean they use your just sanitized ATM, you stay back at least 10+ feet while they process the transaction.  You can even have a few of the items you sell displayed in the trailer if it’s enclosed or make a flyer or sign and put it on top of the ATM in a plexiglass holder (like a table tent). Or take the orders in advance and have them bagged and ready to deliver.

I’d also guess banks that service ATMs are being neglected due to short staff, cutbacks, and trying to run leaner. So they might not be cleaned as often or if the store’s maintenance crew is so busy cleaning everything else and they don’t own the ATM it may be neglected.

If you’re willing and need to provide for yourself or others, you are considered an essential business.  You can even offer smaller shop owners who may be struggling and are running to lean to help; even offer to stock shelves for an hour to show him you’re for real and you live in that town and want to help.

This is how true relationships are developed.

Just remember, don’t let this shut you down. There are still ways to earn money for your ATM Business.

Since you’re offering cash delivery it makes sense to also offer a basic delivery service with other essentials. Pick up various kinds of fruits and vegetables that are popular in your neighborhood, add some soda, coffee beans, or whatever makes sense in your neighborhood.  

Maybe even consider liquor delivery (but you’d have to make a deal with a local liquor store to be “their delivery service” since there are laws around booze delivery but many states are relaxing those a bit.

If you have an ATM in a restaurant and it’s closed, talk to the owner or manager. Perhaps they have some food they want to get rid of or sell. Maybe their food distributor wants to move some items they can’t sell to the restaurants now since they are closed. You might be able to help a restaurant just sell their food inventory or work out a delivery deal with them. This restaurant turned into a grocery store to keep the doors open.

Offer items at a fair markup, add the delivery fee in the surcharge (make sure that’s disclosed), $15 – $20 is not out of line if you have a decent selection of common items and they pay in cash with the ATM machine so you have no CC fees (obviously you could take CC with PayPal, Venmo, etc) but if you want to promote your local ATM business and make deals with local merchants that see little to no traffic, offer their items on consignment even. It’s a great way to get to know store owners and perhaps secure the ATM location in the future.

I don’t advise being out of your house, but for some that don’t have any emergency funds or have a lot of bills to pay and absolutely need some income coming in, there are ways.  Just be sure to “Suit up” if you venture out to conduct business. That means real PPE gear to protect yourself.

The more Personal Protection Equipment you use, the safer you’ll be and your customers will trust that you’re serious about the sanitary nature of the ATM and your items. You can also offer wipes, masks, and anything people might need or be running out of.

Some of these items take a few weeks to get. Make no mistake, we’ll most likely be in this mode of operating for at least another 8 weeks, maybe 12.  Get prepared. Don’t be fooled into thinking this is only a few more weeks. This virus isn’t going to magically disappear. 

Links to Personal Protection Equipment: 

Not everyone has a credit card to use for food delivery. Everyone needs fresh fruits, veggies, and some staples often and can’t risk visiting the store often if they are at high risk.  You can turn this into a temporary business and keep some cash coming in. During the great depression, people were selling fruit in the streets of New York, this is nothing new, just a modern twist on survival.

Here’s a Sample ad (I’m not sure will allow this but it’s worth a shot. It may get flagged but keep posting). I’d also contact the local chamber of commerce and any other outreach programs to help get the word out. Even 4 – 5 deliveries a day will help you bring in a couple of grand a month.

Howdy neighbors! My name is [     ] and I’m in your neighborhood. I’m in the ATM business and with the virus disrupting my everyday livelihood I’m trying to take care of myself and my family.  Do you need Cash or basic essentials like fruit, veggies, coffee, soda, or something else?

Since most of the locations where my ATMs are located are now closed, I’m offering to bring an ATM to your house or neighborhood and deliver essential everyday items like fresh fruit, vegetables, and some other items to reduce your risk of going outside.

If you need some cash for when you do need to venture out to stock up on other supplies you can count on my ATM to be safe. It will be sanitized after every single person uses it (unlike the ones at the stores). Having cash before you go to the store will also reduce your risk of exposure since you won’t have to touch the credit or debit card machines and you can get in and out of the store faster. 

In order to make my delivery service convenient and safe for everyone, I will be wearing personal protection (Mask, Gloves, etc) and everything I sell will have been sanitized prior to delivery. I will wear gloves when getting your selections. 

For example. I will have bananas, apples, onions, potatoes, (list items you plan to offer here including any cleaning supplies. Think of things your neighbors might want).  If there is something else you want, I will be going to the store to stock up on (pick some days) and you can email items that interest you. If I can find them available, I can provide them.  There will be a minimal markup on items but I do ask that you pay for them with the cash from my ATM machine and the delivery charge will be included in the ATM surcharge of (enter what you want to charge here – $15, $20  ??). It is a flat fee for delivery and cash withdrawal. The maximum cash you can get per visit is $200 (there will not be much more than that available in the ATM for each delivery for safety reasons). If you prefer to pay with Venmo (or enter another form of payment you might take) the delivery fee will be added to that payment method.

Thank you for helping me support my family during this crisis. God bless us all!

How to Pull Reports Before the WorldPay Portal Shutdown

What’s Happening with WorldPay Portal?

Were you a WorldPay Portal user?

Many ATM entrepreneurs consistently used WorldPay’s Portal site before the company was acquired by a U.S. fintech group, Fidelity National Information Services (FIS), back in 2019. According to CNBC, The company was sold for around $35 billion, the biggest deal to date in the booming payments industry.

Slight changes started to roll in on the site. And, changes occurred in how ATM Operators were managing their TIDs. However, since then, ATM owners and operators have still had access to reporting on the site. Unfortunately, this is coming to an end.

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The last day to pull data from your WorldPay Portal is February 21, 2020. Once the portal shuts down, you will no longer be able to access any reports or transaction histories. So, grab what you need!

It’s strongly advised that you pull any reports—such as Month End Statements, Merchant Statements, and Settlement Reporting—BEFORE THIS DATE.

Why Should I Pull My ATM Reports?

Is it required? No. But, it’s a good idea to keep historical data. You never know when you might need to refer back to previous transactions for trends, reference, or for future tax or business purposes. It can’t hurt. So, why not?

Remember, after February 21st you’ll no longer have the option, so grab them now. 

How Do I Pull My ATM Reports from WorldPay Portal?

There are many reports that you can pull from the WorldPay Portal before the permanent shutdown. The three main reports you may want to pull are:

  1. Month End StatementsShows complete transaction data and settlement totals selected for each month
  2. Merchant StatementsShows complete transaction data and settlement totals for each merchant
  3. Settlement ReportingConfirm your settlement deposit amounts by selecting a date range by week or month, then view the settlement amounts deposited into the bank account each day.

1. How to Pull My Month End Statements

Terminal Reports > Transaction Reporting > Terminal Statement > Choose Date > Press “OK” > Want to Print? Scroll down to “Printer Friendly Version” > Report shows in PopUp “Printable Terminal Statement” > Hit “Ctrl + P” (* Note: May have to accept pop-ups on your computer from

WorldPay Portal Dashboard - Transaction Reporting Dropdown

WorldPay Portal Dashboard - Terminal Statement


WorldPay Portal Dashboard - Enter Date for Terminal Statement

WorldPay Portal Dashboard - Month End Statement - Click to Print

2. How to Download My Merchant Statements

Terminal Reports > Transaction Reporting > Merchant Summary by Terminal > Choose Date > Press “OK” > Report shows in PopUp “ReportPDF” (* Note: May have to accept pop-ups on your computer from

3. How to Pull My Settlement Reporting

Terminal Reports > Transaction Reporting > Daily Terminal Activity > Choose Date Range (best to select by month; the report cannot be more than 40 days)  > Press “Submit” > Report is submitted to you via email (at your user email address)

WorldPay Portal - Daily Terminal Activity for Settlement Reporting WorldPay Portal - Daily Terminal Activity - Enter Date to Request Settlement Reporting WorldPay Portal - Daily Terminal Activity - Email Confirmation

What’s Next?

At this moment, nothing is actually changing. Why? Because most IADs have already moved over to review their terminals using new portals. Luckily, we’ve all known that the WorldPay Portal would be shutting down soon, we just didn’t know when. 

If you’ve already started to use your new portal account, after pulling your reports, you may return to using your new dashboard. 

If your terminals haven’t been moved from WorldPay to another portal yet, contact us and let us know. We may be able to help you get you access to a brand new portal dashboard.

Transaction World Magazine Article, Volume 1 Issue 6 – [2001 Revisited]

Are ATMs the New Plastic

Merchants and Consumers are Choosing Cash Over Credit

From Transaction World Magazine – Volume 1, Issue 6 – Cover Story 2001

The customer has spoken. More than ever, cash is king.

A cautions economy, the high cost of credit and the growth of the ATM industry have spurred a purchasing revolution. As a natural occurrence, customers are moving from credit card purchases to debit cards as their preferred payment method. According to a MasterCard consumer segmentation study, among people that use both credit and debit cards, debit cards are used more than five more often 5.9 times per month vs 5.1 times per month for credit cards.

In a reverse of financial trends a decade ago, many experts believe the credit card industry is showing stagnant growth. By contrast, the booming ATM Marketplace is finding its machines in an unprecedented number of locations. In fact, a recent Nielsen report predicts that by the Year 2005, the number of ATMs will double from 1997 numbers. For bank card ISOs, this presents not only a challenge but also a significant opportunity.

ISOs and Merchants alike are finding that ATMs mean sales. Credit union industry experts estimate that more than 60 billion consumer transactions flowed over ATMs in the year 2000 and the customers are using this platform more than any other Financial Service delivery point. At the same time, trade Publications in the restaurant, quick-serve, hospitality, and convenience store Industries report that ATMs increase foot traffic, boost per visit spending, cut down on check fraud and reduce credit card fees.

Statistics tell the story. In the restaurant industry, for example, Association reports show that colon

  •  ATMs increase traffic up to 30% and increase per visit sales 10% to 20%.
  •  Up to 80% of cash obtained at ATMs in host bars and restaurants is spent on site. 
  • At Quick Serve restaurants, we’ve seen the average check increase up to 58%.

In addition, experts predict that demand for kiosk ATMs will grow exponentially as the population of Internet Savvy, self-service oriented customers grows. An August 2000 overview by Dove Consulting observes that consumers under 55 are particularly likely to use ATMs and are “completely comfortable conducting ATM transactions”

The evolution of a revolution

On the downside of the ATM opportunity, even the industry’s most ardent supporters admit that it has had its share of unscrupulous dealers. Salesman with an eye to make a quick buck often promised outrageous returns while failing to deliver on those promises. Other abuses resulted in customer service nightmares through the place of undependable equipment. While some of those businesses still exist —and need to be warned about — you can find ATM specialist firms that are sophisticated, dependable partners.

The strongest ATM organizations are those with solid institution affiliations. The scrutiny, Financial backing and network capabilities offered by these relationships established an unprecedented level of professionalism. At the same time, ATM companies with strong ISO support have become increasingly attractive to banks, which recognize the need to penetrate markets and establish quality representation in the field. 

Business stability and financial reliability within the ATM industry have accelerated the acceptance of merchant ATMs as has the proven recurring income stream generated by ATMs. However, recognizing the competitiveness within the ATM industry has increasingly demanded a higher level of ISO accountability, profits, service, and support. Electronic Benefits Transfer (EBT), Internet-accessible transaction report, fast lease approvals, and equipment installations, as well as capabilities to accept cards from major networks, are common expectations. 

ISOs have had to rely on solid corporate relationships in order to deliver on these demands and still generate significant returns.

ATMs have also proliferated because manufacturers have built machines to be easy loading, secure, reliable and virtually maintenance-free. In addition, the size of the equipment has decreased and lease/purchase costs have come down; the newest machines have footprints smaller than two square feet and pay for themselves with as few as four swipes per day!

ISO Opportunity

While ATMs have boomed, experts predict there’s still plenty of room for growth. Certainly, independent stores remain a strong ATM market. But you can also expect ATMs to pop up in nontraditional locations. . .tennis courts to courthouses, beauty parlors to bingo parlors. In addition, there’s a growing interest in system branding, where companies such as McDonald’s, major hotel chains, American Express, Safeway and Winn Dixie install ATMs reflecting their unique corporate identities.

At the same time, ATM fees are also becoming widely accepted. Market research tracks that younger users are much more willing to incur charges for the conveniences provided by ATMs. And as technology continues to expand ATM capabilities and deliver new services to consumers, one can easily predict that additional features will translate into additional usage… and additional residual income to boot! For the ISO, ATMs dispense opportunity. Because if cash is king, ATMs are the keys to the treasury.

Choosing the Right Partner [Still holds true today – in 2020]

Choosing the right ATM company is crucial to the success of an ISO. Here’s a quick checklist to ensure your partner is a strong organization.

Financial Strength

Is your ATM company affiliated with a major financial institution? Has that institution supported technology development and system upgrades?

[2020 update – Yes, ATMDepot aligned itself with several major institutions that have all supported technology and continue to look to the future. Noah Wieder wrote this article almost 20 years ago and the future is today!]

Track Record

Who are the ATM company’s customers? Can you talk to affiliated ISOs and merchants for references? [2020 update – ATMDepot runs one of the most active ATM Entrepreneur groups on Facebook. You can join and talk to many of our customers and affiliated IADs as well as read reviews online. Want to talk to one of our customers, no problem, just ask and we’ll be happy to give you as many references as you want].


Are approvals handled in a timely manner, creating a quick turnaround between the time a lease is signed, a machine is installed and when you get paid? [2020 update – very few ATMs are leased since pricing has come down to less than 1/2 of what they were almost 20 years ago. Machines are typically shipped within 5 – 7 business days of order].

Program Scalability

Can your ATM company provide service to any size merchant, from single locations to hundreds of sites? [2020 update – of course ATMDepot can. We manage thousands of ATMs. From single store owner locations to multi-family routes run by some of the best IADs in the country!]


Is there a dedicated sales support team for distributors? Are problems handled promptly? Are machines kept operative? [2020 update – Absolutely. We wouldn’t still be here if we didn’t. ATMDepot has been helping ATM business owners since 2003 and Noah Wieder is the Owner!]


Will you have ongoing Internet access to daily activity reports? Are detailed statements provided? Are residuals tracked and paid in a time1y manner? [2020 update – of course, Noah Wieder wrote this article almost 20 years ago and still maintains all of the important partner qualities that he looks for and provides to all ATMDepot customers – IADs and Merchants alike.]

ATM Factoids [unable to verify these same stats in 2020, however, the first one is close, unsure about the next two]

  • The typical ATM customer spends 20%—-25% more than a non-ATM customer. 
  • 40% of regular ATM users use the ATM an average of ten times per month. 
  • 60% of Americans 25-34 years old and 51% of Americans 25-49 years old use ATMs eight times a month and withdraw an average of $55 each time.

How Much Does it Cost?

The average cost of various payment methods (based on time to make a payment, backroom time to prepare deposits, bank charges and other charges such as collection fees) are as follows [from 2001]

Cash  $0.07
Electronic Benefits Transfer  $0.15
Food Stamps  $0.16
Debit Cards  $0.29
Electronically Authorized Checks  $0.37
Checks  $0.43
Credit Cards  $0.80


Transaction World Magazine Volume 1, Issue 6, 2001 page 7

Transaction World Magazine Volume 1, Issue 6, 2001 page 8

Download Are ATMs the New Plastic from

[VIDEO] Explosives Used to Break into Machine during ATM Robbery, Thieves Caught on HD Camera

On August 11, 2017, two criminals drove their SUV up to a Gas Station ATM Kiosk with a plan. They planned to execute an ATM robbery by blowing up the ATM with some sort of liquid explosive. It is clear from this video, it’s not the first time they are attempting this. They are wanted by the FBI. The authorities were very excited to see the quality of our security footage.


Authorities at the Crime Scene of the ATM Robbery in San Diego, CA

When you start using explosives on an ATM, you attract a lot of attention. You get the local police, sheriffs, SWAT, the Bomb Squad, ATF, and the FBI involved. That’s a lot of manpower hunting you down.

These guys are wanted by the FBI. It’s not just a local crime.  Is a few grand worth having to hide and run for the rest of your life? I don’t think so.

The suspects think they got away with it. However, as time will tell, and with the help of this HD video, and the enhancement tools Federal Law Enforcement agencies have available, they will most likely do time behind bars for this ATM robbery.  Maybe they will save all the money they stole to pay for their lawyer. They will need it.

I’ve been in the ATM business since 1994. Since then, I’ve helped hundreds of Independent ATM Deployers (IAD’s) start, run, and maintain successful ATM businesses. I’ve personally sold or installed hundreds and hundreds of ATM machines. I currently manage thousands of machines and hundreds of thousands of ATM transactions nationwide and I’ve never, ever seen anything like this.

This location has been a customer of ours for over a decade. We’ve never had any issue until we installed a new kiosk.  While this small kiosk does not appear to be bomb proof, the old kiosk building we used previously onsite was. Unfortunately for us the gas station – car wash is undergoing a remodel and needed to demolish the building, so we had to move the ATM to the other side of the parking lot.

In order not to inhibit the authority’s investigation, we won’t go into the details of what the authorities knew in this article.

However, now that we know all the details we can help others.

So, if you plan to install a kiosk and you are one of our customers (or want to be), please contact our office for some additional help.

We learned an expensive lesson, so we hope to use it to educate our customers.

ATM Depot can certainly help you avoid the same fate. We thought we prepared for every security scenario but they proved us wrong on this one. The key is that we learned an awful lot from this and can now assist our customers even better when dealing with outdoor ATMs.

**** UPDATE ****

September 28, 2017

After many calls between the account manager, Jeremy, and the FBI and ATF, on this situation, we learned that the authorities were able to issue a subpoena at the home of Scott Michael Petri. We are not sure how all this went down but we speculate that the FBI was able to leverage the information obtained in the video of the ATM robbery. According to law enforcement, one of the suspects bragged to a confidential informant about the crime. Upon serving a subpoena at the suspects home, the Law enforcement authorities say they found a drill, a gas cylinder, clothing and other incriminating evidence in his home that matched the items in the surveillance video during the crime.

Court documents allege (and video shows) Petri used a cordless drill to make two holes in the ATM machine’s housing. A second unidentified suspect (now in custody) approached the ATM with an open flame (see video, looks like a cigarette) and lit a fuse.  The suspects drove to the other side of the gas station and the ATM exploded. See the entire ATM robbery (edited for time) in the video above.


The suspect (circled) is searching for the cash box after the ATM robbery explosion

The August robbery was the second time this year an explosive device was used on an ATM in San Diego, according to the FBI.

**** UPDATE ****

October 5, 2017

Scott Michael Petri faces a charge of using an explosive to damage property relating to a robbery at the Chevron Station and Pit Stop Car Wash on Miramar Road just south of the 15 Freeway entrance. The suspect was picked up and booked on October 5th and transferred into Federal custody and is being held in the Federal Prison in Downtown San Diego by the ATF. Bail has been set at $250,000.


Public arrest records for Scott Michael Petri. One of the suspects in the ATM robbery.

The 6 Basics of Starting an ATM Business

The Basics of Starting an ATM Business

Did you know that there are over 425,000 ATMs in the US and fewer than half of those are owned by banks?

The majority of them are owned by people like you and me. ATMs are very profitable businesses because there is very little to no overhead expenses. You don’t need employees.

No store front or rental space is needed, and there is a low start up investment. The best part is you can manage your ATM business from home at your own schedule. Are you ready to get started?

Follow these 6 basic steps to set the foundation for starting an ATM business to ensure maximum potential for success: Read more