For Store Owners & Retailers
An ATM brings more cash into your store, cuts card-fee costs, and can earn you extra income — with no monthly processing fees. Choose the path that fits how hands-on you want to be.
20+ years in the ATM business
4,300+ ATMs under management
100% of the surcharge*
No monthly processing fees
How to Get an ATM for Your Business
There are two ways to get an ATM for your business. You can buy an ATM and operate it yourself, which lets you keep 100% of the surcharge revenue. Or you can request a free ATM placement, where a vetted local operator installs, fills, and services the machine at no cost to you in exchange for a share of the surcharge.
ATMDepot has connected retailers, restaurants, dispensaries, event venues, financial institutions, property managers, and commercial real estate professionals with both options since 2002. There are no monthly processing fees, no statement fees, and no long-term contracts. We coordinate everything from the sale to the installation, processing services, funds settlement, ongoing support, and more.
Pay for the equipment up front, handle cash and upkeep yourself, keep 100% of the income.
$0 upfront, a local operator handles everything, you share the surcharge.
Two Paths Forward
Not sure which is right for you? It comes down to one question: how much time do you want to put into the machine?
Option 01
Buy an ATM and operate it yourself
Best if you want maximum income and don’t mind a little upkeep. You own the machine, load it with cash, keep it clean and updated, and keep 100% of the surcharge on every transaction. ATMDepot supplies the equipment, processing, paperwork, and full support — you focus on the profit.
Good fit if you can:Â stock the machine with cash, handle the occasional error code, and keep the software current.
Option 02
Get a free ATM placement
Best if you’re busy and just want the benefits without the work. A certified local Independent ATM Deployer (IAD) installs and fully services an ATM in your store at no cost to you — they load the cash, handle maintenance, and keep it running. You share a portion of the surcharge in exchange. No machine to buy, nothing to manage.
Good fit if you’d rather:Â not buy equipment, not handle cash, and not think about the machine at all.
Still deciding? Estimate your ATM income with our free profit calculator →
The Benefits
An on-site ATM does more than dispense cash. Here are seven reasons store owners add one.
01
More cash in your customers' hands
Customers withdraw cash on-site and spend it before they leave. Studies of convenience stores consistently show a meaningful share of ATM withdrawals gets spent in the same store.
02
Lower credit card processing costs
Every cash sale is a sale you don’t pay a card fee on. More cash transactions means a smaller card-processing bill at the end of the month.
03
A new stream of surcharge income
If you own the machine, you set the surcharge and keep it — passive income on top of your normal sales.
04
More in-store spending and impulse buys
Cash in hand encourages add-on purchases, tips, and impulse buys at the register.
05
Fewer lost sales
No more turning away a customer who’s short on cash or hitting your card minimum. The sale stays in your store.
06
Added convenience and foot traffic
An ATM is a reason to walk in. People who stop for cash often leave with a purchase.
07
A more professional, full-service storefront
Offering on-site cash access makes your business feel established and customer-friendly — the kind of place customers come back to.
The Backend, Handled
Whether you buy or place, ATMDepot manages the backend so you can focus on your business.
No monthly fees, no statement fees, no monthly minimums, no long-term contracts.
You keep 100% of the surcharge you set — ATMDepot does not take any portion of it. Payouts go by ACH deposit. *Network fees from MasterCard, Visa, and NYCE may apply — see FAQ.
No monthly fees, no statement fees, no monthly minimums, no long-term contracts.
We prepare the federally required forms and walk you through compliance.
Setup help, equipment support, and access to every major ATM network.
Trusted by 1,000+ IADs and thousands of store owners — and a team that actually answers the phone.
Side-by-Side
A quick side-by-side so you can decide at a glance.
| Buy an ATM | Free ATM Placement | |
|---|---|---|
| Upfront cost | You purchase the machine | ✓$0 — no machine to buy |
| Who loads the cash | You | ATM Operator |
| Maintenance & upkeep | You | ATM Operator |
| Surcharge income | ✓You keep 100% | Shared with the operator |
| Monthly processing fees | ✓None | ✓None |
| Best for | Owners who want maximum income | Busy owners who want zero hassle |
Also Available
Many store owners pair their on-site ATM with our merchant credit card processing program — a separate offering built around a cash discount option that can shift card-processing costs off your bottom line. Pricing, equipment, and how it works all live on its own page.
Questions, Answered
There are two ways. Buy an ATM and operate it yourself to keep 100% of the surcharge, or request a free ATM placement, where a certified local operator installs and services the machine at no cost to you, and you share the surcharge. Start by deciding how hands-on you want to be.
ATM machine pricing depends on the model — see our equipment page for current pricing on new, used, and refurbished machines. With a free ATM placement, there's no machine cost at all.
No. ATMDepot charges no monthly fees, statement fees, or monthly minimums, and there's no long-term contract. The only optional cost is a wireless communication device, which you can avoid with a wired Ethernet connection.
Your surcharge income is sent by ACH deposit to the bank account you provide, typically between the 8th and 12th of each month. You'll also receive a monthly statement for each location. Check or daily deposit options are available.
There are two options here:
Option 1: If you want to earn more of the surcharge share, you can load the ATM. You can do this daily like your cash register. We recommend you add 40 - 60 twenty-dollar bills each day before you open and remove any remaining bills each evening if you wish.
The ATM Operator will train you how to do it. You will get access to online reports and be able to track the funds that go into your bank. The money withdrawn by customers is taken from their bank and sent to your account via ACH the next business day.
Option 2: The ATM Operator will load it or have someone they trust load it called a Vaulter.
Typically, you only need a separate checking account for your ATM income if you own or load it, so it's easy to track what the machine earns. If you load your own cash, some owners use one account for surcharge income and another for vault cash. If you opt for a placement only, no separate account is needed, your share of ATM income will go to the bank account you designate between the 6th - 14th of the following month, and you'll get an electronic monthly statement.
Yes. ATMDepot gives you 24/7 online access from desktop or mobile to view live transactions, print statements, and pull deposit reports. You can also set up low-cash text alerts.
Yes — we offer a separate merchant credit card processing program, including a cash discount option that can help offset card fees. See our merchant processing page for the full details.
Yes — ATMDepot does not keep any portion of your surcharge. If you set your surcharge at $3.50, ATMDepot passes 100% of that $3.50 back to you. However, some card networks — including MasterCard, Visa, and NYCE — charge their own per-transaction fees when ATM operators surcharge their cardholders. ATMDepot passes these network fees through to the operator, which can effectively reduce the net surcharge amount you receive.
MasterCard's ATM surcharge fee officially began on April 15, 2024, with billing and pricing becoming active for participants on April 21, 2024. MasterCard applies a $0.10 USD fee per transaction on all United States region ATM transactions where a consumer surcharge is present.
Yes. Visa followed MasterCard's lead, and NYCE applies a similar fee structure. These fees typically average around $0.10 per transaction and are passed through to the ATM operator. Most ATM operators simply increased their surcharge when these network fees were introduced, which is why the average ATM surcharge now exceeds $3.00 and typically ranges from $3.50 to $3.95Â depending on location.
Get Started
Tell us about your location and we’ll send free, no-obligation information. No pressure, no commitment — just answers.
Prefer to talk it through? Call 888-959-2269
ATMDepot.com · A division of Intelligent E-Commerce, Inc. · 2101 Las Palmas Dr. Suite E, Carlsbad, CA 92011 · 888-959-2269