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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11 Answers

Anonymous 0 Comments

It can work multiple way. In one case, the company I worked for owned the machines and handled everything and kept a percentage of the ATM fees. In another case, the company just allowed someone else business to install the ATM and in return was paid a monthly lease. The ATM’s owners handled everything and kept all of the fees.

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