In today’s crazy competitive retail world, U.S. business owners are always hunting for ways to stand out, keep customers happy, and find new ways to make money. One thing that doesn’t get enough attention? Installing an ATM machine at your local shop. In this post, we’re breaking down why having an ATM makes sense for retail businesses, what benefits you’ll actually see, and how working with trusted providers like Dollar ATM Club can make the whole thing easy. Whether you’re running a convenience store, bar, boutique, or service business, this might be the move you didn’t know you needed.

​1. Making Life Easier for Your Customers (And Keeping Them Around)

The biggest reason to install an ATM? Simple—it makes things way more convenient for your customers. Here’s the deal:

A lot of people still prefer cash for small purchases, tipping, or just quick transactions. If there’s no ATM on-site, they might leave to find one and end up spending their money somewhere else. Studies actually show that up to 25% of cash withdrawn at a machine gets spent right there on the spot—and in certain places like bars or convenience stores, that number’s even higher.

When you offer an ATM, you’re basically telling customers, “Hey, we’ve got you covered.” That builds goodwill and keeps them coming back.

Your business stays relevant even when credit cards aren’t an option or customers just want cash.

For shoppers, knowing “there’s an ATM inside” is reassuring. It can become a real competitive edge for your location.

2. Boosting Sales and Bringing More People Through the Door

Installing an ATM isn’t just about being helpful—it can actually drive more sales and foot traffic.

When customers pull cash from your on-site ATM, chances are pretty high they’re going to spend some of it right there in your shop. Industry data backs this up—businesses see noticeable sales increases just by having an ATM available.

Having an ATM brings in people who are specifically looking for a place to get cash. Once they’re inside, many of them end up buying stuff beyond what they originally came for.

If your competitor down the street doesn’t offer this convenience, you’re capturing business that would’ve gone to them.

Bottom line: the ATM works as both a convenience thing and a sneaky way to drive extra purchases.

​3. Cutting Down on Credit Card Fees and Lowering Your Risk

Here’s another angle worth thinking about—having an ATM means you’re not so dependent on card payments, which helps you dodge some of those frustrating costs.

Every time someone swipes a credit card or debit card, you’re paying processing fees—typically somewhere between 2% and 3% per transaction. That adds up fast.

Cash transactions? No fees. Plus, you completely sidestep chargebacks, bounced checks, and those messy fraud disputes that eat up time and money.

From a business owner’s standpoint, bringing in more cash flow just makes financial sense. It’s cheaper to handle, and you’re not at the mercy of payment networks going down or having issues.

If you have an ATM on site, that means you have another payment channel for your business. It reduces the load of digital payment, and you get some cash in hand as well.

​4. Creating a New Way to Make Money

Some analyses show that while an ATM won’t make you rich overnight, it’s a solid investment that can bring in passive income through an ATM pretty quickly.

When you add that to the increased sales from people spending their cash, the total financial benefit can really add up.

With the right placement and management, the ATM becomes more than just a service—it’s part of your profit strategy.

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5. Why Working with the Right Provider Matters: Enter Dollar ATM Club

When you work with a provider experienced in ATM placement, you get expert guidance on installation, surcharge optimization, placement strategy, and operator arrangements.

With an experienced partner, machine downtime, inspection headaches, or service disruptions become way less likely—and you dodge a lot of hidden problems.

Dollar ATM Club provides a platform where business owners can buy, sell, or service ATMs and ATM parts.

For local shops, this means you can focus on running your actual retail business while the ATM side gets handled professionally.

If you’re a local shop thinking about getting an ATM, reach out to Dollar ATM Club (or similar trusted providers) to learn about turnkey options, machine models, maintenance packages, and revenue-share arrangements.

​6. Smart Placement Tips to Get the Most Out of Your ATM

Studies show that placement drives usage.

Clear signage: A simple “ATM Inside” sign attracts people walking by and increases foot traffic—it signals convenience before they even step inside.

Surcharge fee strategy: Pick a surcharge that’s competitive but still profitable. Too high and you’ll scare people off; too low and you’re leaving money on the table.

When you actually put thought into placement and marketing, an ATM stops being just another piece of equipment and starts becoming a legitimate business asset.

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7. What future holds?

​While digital payments keep growing, cash is still very much alive in the U.S. market. Analysts agree that businesses with wall-mounted ATMs remain viable and profitable even in 2025.

“What about cost, maintenance, risk?”

Yeah, there’s an initial cost and ongoing maintenance, but when it’s managed by a specialist partner (like Dollar ATM Club), these challenges become way more manageable. Revenue from the machine plus increased sales usually outweigh the costs.

“What if nobody uses it?”

That’s why location strategy and signage matter so much. Also, businesses that rely on cash or see high foot traffic are better candidates. Evaluate your customer base, traffic flow, and surrounding area before committing.

​8. Take Action: Bring the ATM Advantage to Your Shop

If you own a local shop in the U.S. and haven’t thought about getting an on-site ATM, now’s the time to seriously consider it. Here’s how to get started:

Contact Dollar ATM Club and ask about their ATM placement options for small and local businesses.

Look at your foot traffic, customer payment trends (cash vs card), and whether your location is a good fit (high walk-by traffic, existing cash use, etc.).

Work with your provider to pick the right machine model, choose where it goes in the store, plan your signage, and figure out your surcharge strategy.

Launch your machine, promote it in-store and online (“ATM now available”), keep an eye on usage, and track incremental sales and revenue.

Periodically check machine performance, cash transactions on-site, and see whether the ATM is paying for itself (and generating extra profit) like you expected.

With smart deployment and a solid partner like Dollar ATM Club, an ATM becomes way more than just equipment—it becomes a strategic business tool.

​Final Thoughts

Installing an ATM in your local shop might seem like a minor thing at first, but the benefits really add up:

• Better customer experience
• More foot traffic and extra sales
• Lower card-processing fees
• Direct surcharge revenue
• Competitive edge over other shops

By partnering with a respected provider like Dollar ATM Club, taking placement seriously, and promoting the convenience, your business can see a solid return on investment. In a retail world where every advantage counts, an ATM is a smart addition to your strategy.