If you want a good ATM location, you need a fair deal. Most business owners will ask: “How do we split the money?” Here’s a simple way to explain it and set it up.
What does an “ATM income split” mean
When someone uses your ATM, they pay a surcharge fee.
An income split is the part of that surcharge you pay to the business owner.
Common split options (simple and normal)
- 50/50 split: You split the surcharge fee in half
- 60/40 split: You keep 60%, the owner gets 40%
- 70/30 split: You keep 70%, the owner gets 30%
A busy location usually wants a bigger share.
Easy ways to structure the deal
- Percent of the surcharge (most common)
Example: 50/50 or 60/40. - Flat amount per transaction
Example: pay the owner $0.50 each time the ATM is used. - Tiered split (based on volume)
Example: higher split after the ATM hits a set number of uses per month.
One rule that saves problems
Put the split in writing. Also agree on when you pay the split.
Quick Start Checklist:
- Pick your surcharge fee
- Choose a split (start with 50/50 if unsure)
- Agree on who handles cash and service
- Set a payment schedule
- Put it in writing
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