Question 1

How much does it cost to own an ATM?

Accepted Answer

An ATM usually costs $2,000 to $8,000. You'll also need a cash float to load into the machine, which can range from $1,000 to $5,000 depending on traffic. Some ATM owners pay a little money to the store owner.

Question 2

How many transactions does an ATM need to be profitable?

Accepted Answer

An ATM typically becomes profitable at around 100 to 150 transactions per month. For example, at a $3 surcharge fee, 150 transactions equal $450 in revenue. After deducting small operating costs, that usually leaves a decent margin.

Question 3

Do I need a business license for an ATM?

Accepted Answer

In many states, you must set up a business and follow rules such as ADA access and EMV chips. Checking SBA.gov is the best way to confirm local licensing details before you start.

Question 4

Can you make passive income with ATMs?

Accepted Answer

Yes, ATMs can provide steady passive income since they don't require daily management. Once the ATM is placed well and has cash, you mostly just watch the transactions and refill it. Owners often describe it as a "hands-off" business model.

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