Convenience stores
ATM placement for convenience stores
A working machine in the right spot pays for its floor space several times over — but the placement economics have to be honest about today's transaction counts, not 2015's.
Straight about the category
Convenience store ATM volume has been declining for years, and anyone telling you otherwise is selling. Peer-to-peer payment apps, contactless cards, and broader banking access have all taken transactions out of the category permanently.
That does not make a store machine a bad idea. It makes the volume assumptions matter. We underwrite to what your store will actually do.
Where stores still work well
Locations with limited nearby cash access, cash-preferring customer bases, late hours, lottery or money-order traffic, or a neighboring business that drives foot traffic. These placements hold up.
The commission
Paid monthly on surcharge transactions, with the transaction count on the statement. No equipment cost, no lease, no monthly fee.