Your ATM Story Begins Here
Ready to create a new stream of passive income? Greenpoint ATMs makes it simple to launch your own ATM business.
We guide you through every step—from helping you choose the right ATM and providing trusted industry contacts, to installation walk-throughs, processing setup, and more. Our team is here to ensure you have the resources and support needed to launch and grow your ATM business with confidence.
See If ATMs Are Right for You
Why Start an ATM Business?
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Passive Income
Earn money 24/7 from transaction surcharges. Your ATMs work for you around the clock, generating consistent revenue streams.
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Low Overhead
Minimal operational costs with high profit margins. Once installed, ATMs require little maintenance and management.
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Scalable
Start with one machine and grow your network. Build a portfolio of ATMs across multiple high-traffic locations.
Why Start Your ATM Business with Greenpoint ATMs?
We provide everything you need to succeed.
Step-by-step guidance from experienced professionals
Ongoing support, resources, and answers long after your first ATM is live
Transparent pricing and reliable equipment
What You Can Expect
When you partner with Greenpoint ATMs, you’ll receive personalized assistance at every stage. We’ll help you navigate equipment selection, connect you with trusted vendors, and ensure your ATM is set up for long-term success. Our team is dedicated to making the process smooth and straightforward, allowing you to focus on growing your income.
Is Starting an ATM Business in 2026 Actually Profitable?
If you’re looking for a legitimate way to build passive income this year, you’ve probably stumbled across the ATM business. But does it actually work? Let’s cut through the hype and look at the real numbers.
The Business Model Is Simple
Every time someone uses your ATM, they pay a surcharge fee—typically $2 to $4 per transaction. You keep that fee—the more transactions, the more money in your pocket, 24/7, without you lifting a finger.
What Makes an ATM Profitable?
Three things determine your success: location, location, location. High-traffic venues like bars, nightclubs, corner stores, and busy shopping areas are gold mines. These spots can generate 200-500+ transactions monthly. The right placement can mean the difference between a side hustle and a serious income stream.
You also control your surcharge fee. In high-demand locations, customers willingly pay $3-7 for immediate cash access. That’s your profit, transaction after transaction.
The Real Costs (No Fluff)
Let’s talk investment. A quality ATM costs between $2,600 and $3,700. You’ll also need basic tools and supplies ($200-$500 one-time cost). Monthly expenses include data fees ($10-20 per machine) and processing fees. At Greenpoint ATMs, we offer 100% free processing. You Keep 100% of your money.
You’ll also need to keep your machines stocked with cash. Many owners handle this themselves initially, then scale to cash management services as they grow.
Show Me the Money
A well-placed ATM typically nets $100 to $500+ monthly in profit. That’s per machine. Operators who build a network of 5-10 ATMs can generate serious monthly income—we’re talking $2,000 to $5,000 or more.
The math is straightforward: if your machine does 300 transactions monthly at a $3 surcharge, that’s $900 in gross revenue. After expenses, you’re looking at $400-600 in pure profit. Every single month.
Why This Works in 2026
Yes, digital payments are everywhere. But cash isn’t going anywhere. Tips at restaurants, late-night purchases at bars, small vendors, and countless everyday transactions still run on cash. Plus, businesses with ATMs see increased foot traffic and higher sales.
The real opportunity? Most people don’t even know this business exists. That means less competition and more prime locations available for smart entrepreneurs.
The Bottom Line
Starting an ATM business in 2026 isn’t a get-rich-quick scheme—it’s a legitimate business that rewards strategic thinking and hustle upfront. Find the right locations, provide good service, and you’ll build a reliable passive income stream that pays you month after month.
The question isn’t whether it’s profitable. It’s whether you’re ready to take action.
FAQs About Owning and Operating an ATM Business
What are the key benefits of starting an ATM business?
Starting an ATM business offers passive income, low overhead, and flexible growth potential. You earn transaction fees while providing a valuable service to local businesses and their customers.
How much capital do I need to start an ATM business?
Startup costs depend on several things, including the ATM model and setup you choose ($2500 – $4000). Are you going to replenish the ATM yourself ($1000 – $6000) or have someone replenish the ATM (25% -50% per transaction). Do you have the tools needed for the install? ( $500 – $1500). Other expenses include a wireless modem ($100–$300 per modem and up $20 monthly for data, per machine). Expect to invest between $4,500 and $7,000 per ATM if you’re buying outright and handling your own cash loading.
How long does it take to get my ATM business up and running?
Most new owners can be operational within a few weeks, depending on equipment availability, location readiness, and banking setup.
Do I need prior experience in the finance industry to start an ATM business?
No prior finance experience is needed. Greenpoint ATMs provides step-by-step guidance, resources, and support to help you launch and operate successfully.
Do I need to form a company or can I operate as an individual?
While you can operate as an individual, forming an LLC is often recommended for liability protection and easier banking.
What are the typical operating costs associated with running ATMs?
Ongoing costs may include cash replenishment, data plans, maintenance, and insurance. We’ll help you understand and plan for these expenses.
Who is responsible for loading cash into the ATM?
You can load cash yourself or use a third-party cash loading service. We’ll discuss the pros and cons of each approach.
How do I monitor my ATM’s performance and earnings?
You’ll have access to online portals and real-time reporting tools to track transactions, revenue, and machine status.
How do I choose the right locations for my ATMs?
While we do not find locations for you, we offer advice on what makes a strong ATM site—look for high-traffic areas, businesses open late, or places with limited card payment options.
What are the legal and regulatory requirements for operating ATMs?
To operate ATMs, you’ll need to register your business, open a dedicated bank account, connect your ATM to a processing network, and ensure ADA and PCI compliance. You must also disclose surcharge fees, follow any local licensing rules, and maintain basic anti-money laundering policies. We’ll walk you through the essentials to keep your business compliant.
What happens if my ATM needs repairs or service?
We provide ongoing support and can connect you with trusted technicians for maintenance and repairs.
What are the risks and challenges involved in the ATM business?
Risks include theft, vandalism, and fluctuating transaction volumes. We provide guidance on security best practices and risk management.
Can I customize the surcharge fee my ATM charges?
Yes, you set your own surcharge fee based on your business goals and local market standards.
Can I operate ATMs in multiple cities or states?
Yes, you can expand your ATM business to multiple locations, cities, or even states. Just ensure you comply with all local regulations and requirements.
What is the average revenue potential for an ATM machine?
Between ( $100- $1000 + per machine), Revenue varies by location and transaction volume. We’ll help you estimate potential earnings and optimize your fee structure for maximum profit.
How can I ensure the security of my ATMs and cash holdings?
We recommend secure ATM models, proper installation, surveillance, and regular maintenance. Our team can advise on best practices for ATM security.
Are there any recommended resources or organizations for ATM business owners?
Yes! We can connect you with trusted industry contacts, networks, and educational resources to help you stay informed and grow your business.
Do you offer financing or leasing options for ATMs?
At this time, we do not offer financing or leasing options. All ATMs are available for direct purchase. However, we sell ATMs at cost to all ATM deployers, ensuring you get the best possible price. If you have questions about payment or want to discuss your options, please contact us—we’re happy to help you find the best solution for your business.