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

The store doesn’t own or operate the ATM. A private company pays them a small fee for the space. Most small businesses like having an ATM around because cash is king. The company that owns the ATMs keeps part of the fee you pay to get your cash. Most ATMs have a camera [that little mirror] to record who is using it.

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