Eli5: How do ATM’s work at small businesses?

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Whenever I see local businesses have an ATM, whether it’s the liquor store or the nail salon, I ask myself how they have an ATM. I thought they would put their own money into it, but then how would they profit? Do they get the money from somewhere else (government)? How do they put more money in it, and how are they monitored to make sure the business isn’t stealing from the ATM?

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Anonymous 0 Comments

Most ATMs, even ones in businesses not directly tied to a bank are still typically owned by a service who fill them via crews who drive armored trucks on route to fill them. They stores make money from service fees to use the ATM and by increasing sales when customers can take out cash they need to pay.

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