If you’re a store owner looking to boost your revenue and offer convenience to your customers, installing an ATM in your establishment can be a lucrative decision. However, when it comes to obtaining an ATM, you have two primary options: buying an ATM outright or opting for a placement ATM. In this blog post, we’ll explore both perspectives from a store owner’s point of view to help you make an informed decision.

Buying an ATM: Pros and Cons


  1. Ownership: When you buy an ATM, you own the machine outright. This means you have full control over its operation and can set your own surcharge rates and transaction fees.
  2. Long-term Investment: Buying an ATM is a long-term investment. Once you’ve covered the initial cost, the revenue generated from ATM transactions becomes a consistent stream of income for your business.
  3. Increased Income: Purchasing your own ATM means you are in control of the surcharge and you keep this income – if you choose to surcharge. Generally speaking – if it makes sense for someone to “place” an ATM in your business – and invest in your business – it makes equally as much sense to purchase/ operate it yourself.


  1. Upfront Cost: The most significant drawback of buying an ATM is the initial expense. You’ll need to invest a substantial amount upfront, which may not be feasible for all store owners.
  2. Maintenance Responsibility: As the owner, you’ll be responsible for maintenance, repairs, and replenishing cash in the machine. This can be time-consuming and may reduce cash flow.

Placement ATM: Pros and Cons


  1. No Upfront Cost: With a placement ATM, you won’t have to shell out a significant amount upfront. The ATM provider usually covers the cost of the machine.
  2. Maintenance and Service: In most cases, the ATM provider handles maintenance, repairs, and cash replenishment, freeing you from these responsibilities.
  3. Revenue Sharing: Placement ATM providers often offer a revenue-sharing model, allowing you to earn a portion of the surcharge fees collected from ATM transactions. Typically not more than 50% of the surcharge for an above average location.


  1. Lower Control: When you opt for a placement ATM, you may have limited control over surcharge rates and transaction fees. The ATM provider sets these rates, and you receive a portion of the profits.
  2. Contractual Obligations: You’ll likely need to sign a contract with the ATM provider, which may include terms and conditions that restrict your flexibility in certain aspects of ATM operation.
  3. Profit Sharing: While you share in the profits, you may earn less compared to owning your own ATM since the provider takes a portion of the surcharge fees.


The decision between buying an ATM and opting for a placement ATM depends on your specific circumstances and priorities as a store owner. If you have the financial means and desire full control, purchasing an ATM might be the better option. However, if you want to minimize upfront costs and offload maintenance responsibilities, a placement ATM can provide a hassle-free solution.

Ultimately, it’s essential to conduct thorough research, consider your store’s foot traffic and location, and evaluate the terms of any contract before making a decision. Whichever option you choose, installing an ATM can be a smart move to increase revenue and enhance your store’s appeal to customers.