How Much Money Does an ATM Make Per Month for a Small Business?

If you have ever considered adding an ATM to your business or wondered about ATM installation services, the first question is usually the same:

How much money does an ATM actually make per month?

The short answer is: it depends. The honest answer is: for many small businesses, an ATM can generate consistent, low-effort monthly income while also increasing in store spending.

Let’s break down what ATM owners realistically earn, what affects profitability, and whether installing an ATM makes sense for your business.

Average Monthly ATM Profit for Small Businesses

An ATM for small businesses can generate between $300 and $1,500 per month per ATM, depending on usage and location.

Here is a general breakdown:

• Low-traffic locations: $300–$600 per month

• Moderate-traffic locations: $600–$1,000 per month

• High-traffic locations: $1,000–$1,500+ per month

These numbers are based on surcharge revenue collected each time a customer withdraws cash.

The more withdrawals your ATM processes, the more revenue it generates.

What Determines How Much an ATM Makes Per Month?

Not all ATMs perform the same. Several factors directly affect monthly income.

Location and Foot Traffic

This is the biggest factor. Businesses with steady daily customers tend to see higher ATM usage.

Examples include:

• Bars and restaurants

• Convenience stores and gas stations

• Liquor stores

• Event venues

• Entertainment locations

• Small retail shops

Surcharge Fee

Most ATMs charge a $2.50 to $3.50 surcharge per transaction. Even a modest number of daily withdrawals can add up quickly over a month.

Cash Usage in Your Business

Cash-friendly businesses tend to see higher ATM demand, especially when:

• Credit card minimums exist

• Customers want to avoid card fees

• Tips are paid in cash

• Transactions are smaller and frequent

Professional Installation and Reliability

A professionally installed ATM that is properly placed and maintained will always outperform a poorly managed machine. Proper installation, placement, and ongoing service matter more than most business owners realize.

Why ATMs Still Perform Well in 2026

Despite the rise of digital payments, cash is far from obsolete.

Many customers still prefer cash because:

• It helps them budget

• It avoids credit card fees

• It speeds up small transactions

• It is widely accepted for tips and service-based purchases

Businesses looking for reliable ATM services in Ohio and Pennsylvania often see consistent monthly returns when machines are professionally managed.

Does the Business Owner Pay for the ATM?

In many cases, no upfront equipment purchase is required.

With professional ATM services, businesses often receive:

• Installation

• Maintenance and repairs

• Monitoring and support

• Cash management options

This allows business owners to earn passive income without taking on extra operational work.

Is an ATM Worth It for Your Business?

An ATM is worth considering if:

• You have regular foot traffic

• Customers already ask where to get cash

• You want an additional revenue stream without staffing or inventory

• You want to reduce reliance on card processing fees

When installed and managed properly, an ATM can quietly generate income month after month.

Get a Realistic ATM Profit Estimate for Your Location

Every business is different. The best way to understand how much an ATM could make in your specific location is to evaluate foot traffic, customer behavior, and placement options.

Hart Communications Inc. provides professional ATM installation and services throughout Ohio and Pennsylvania, helping businesses determine whether an ATM is a smart investment and handling the process from start to finish.

If you want a realistic estimate for your location,