ATM Owners and Operators can charge their ATM customers (ATM cardholders) a surcharge fee for using their ATM. You’re able to charge this fee because as the owner or operator of an ATM Machine you are providing a convenient service that offers individuals the opportunity to save time if they need to access money from their bank without the hassle of going to their own bank or ATM.

The ATM business model is simple and works on a split between the ATM owner, the processor and the vendor location. The processor or bank, charges a fee for each transaction. The fee varies significantly by institution and a range of 20- to 50-cents is not uncommon. The vendor location also takes a cut in most cases.

The average surcharge is typically set between $1.50 – $3.50. If you own the ATM you can set it at whatever you want, however some states have specific maximums.