Pros and Cons of an ATM Business

benefits of owning atm machines

Anyone who’s interested in starting an ATM business needs to consider various factors. For instance, while some prefer buying an ATM or more at the very onset, others start off by renting or leasing these machines. Besides, you also need to think about where you will place the ATM in order to attract maximum foot traffic. No matter which path you decide to take, it’s important that you look at the pros and cons of an ATM business.

Benefits of Owning ATM Machines

There are multiple benefits of owning an ATM business. For instance, an ATM can help your existing business by increasing foot traffic, giving it a competitive edge, and building customer loyalty. There are other benefits as well.

Simple business model.

Starting an ATM business is fairly straightforward. All you need to do is partner with a reliable ATM provider and processing company, select a suitable ATM, choose a location, set your surcharge, and wait for the installation to complete. Going forward, you keep making money in the form of the surcharge you receive for every transaction your ATM processes.

Added income.

The added income you make by investing in an ATM comes in two ways. First, you make some money each time someone uses your ATM in the form of surcharge. In addition, stores with ATMs usually manage to attract high foot traffic, and it’s normal for people who use ATMs at stores to make other purchases too.

Buy or lease.

You may enjoy the benefits of owning ATM machines without buying them because leasing them is also an option. Bear in mind that buying and leasing ATMs come with their share of pros and cons. For example, while leasing an ATM comes with minimal upfront costs, you make more money through surcharge revenue if you own an ATM.

Professional help.

If you’re unsure about what the ATM business entails, you may consider partnering with a company that specializes in this realm. Then, you don’t have to worry about aspects such as the ATM’s placement or its processing and management.

Cons of an ATM Business

While there are multiple benefits of owning ATM machines, it’s crucial that you look at the possible drawbacks ahead of time.

The cost factor.

People who wish to enter this sphere often ask, “Is it worth starting an ATM business?” To answer this, you need to look at the initial costs and determine if you have room to cover the same in your existing financial situation. If so, you may think about moving forward. This is because if you can afford the initial costs, you may expect to recuperate them with the passing of time.

Added workload.

If you choose to buy an ATM and look after its processing and management on your own, you need to account for the added workload. However, you may overcome this problem by partnering with a suitable ATM processing and management company.


Now that you know the pros and cons of an ATM business, determine if jumping on the bandwagon might work well for you. Bear in mind that owning an ATM may lead to profit, but it also requires due diligence on your part. More often than not, partnering with an ATM provider that offers ongoing support is the best way to go.


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