How Much Does an ATM Make Per Month? Real Florida Numbers
Written by the myFloridaATM.com install team — Winter Park-based, ATM-only techs with 10 years and 75+ installs across Central Florida. Last updated October 12, 2026.
How much does an ATM make per month?
Short answer: An ATM’s monthly income equals withdrawals × surcharge, minus processing costs and any provider share. For example, 300 withdrawals at a $3.00 surcharge is $900 in surcharge revenue before processing. Low-traffic locations may see under 100 withdrawals a month; busy convenience stores, bars and tourist locations can see several hundred.
The Central Florida Angle
Location drives everything. In our experience across Central Florida:
- Tourist corridors (International Drive, US-192, A1A) swing hard with the seasons — strongest November through April.
- Neighborhood c-stores and laundromats are steadier month to month.
- Event towns like Daytona Beach see their biggest months around Speedweeks, Bike Week and Biketoberfest.
- Hurricane outages can spike cash demand for days when card systems are down.
Why did my ATM income drop in summer?
In many Central Florida areas, snowbirds have gone home and locals travel. Theme-park areas stay busier than inland towns.
ATM Income Formula
Monthly income = withdrawals per month × (surcharge × your share − processing cost per withdrawal)
Estimate only. Processing costs vary by agreement.
What Affects ATM Income
- Foot traffic and how much your customers use cash
- Surcharge compared with nearby ATMs
- Visibility and signage
- Uptime — an empty or broken ATM earns nothing
- Seasonality: snowbird season, holidays and events in Central Florida
Income by Program
| Program | Your income | Your effort |
|---|---|---|
| Free placement | Commission | None |
| Partnership | Higher commission | Load cash |
| Owned | 100% less processing | Load cash, manage machine |
Frequently Asked Questions
What is a good number of ATM transactions per month?
It varies by location. Several hundred a month is strong for a retail ATM; under 100 is low and better suited to free placement.
Do ATM owners earn interchange?
Depending on the processing agreement, owners may receive a portion of interchange in addition to the surcharge.
How can I increase ATM income?
Improve visibility, add an “ATM Inside” sign, keep the machine loaded and online, and set a surcharge that matches the area.
Related: Is an ATM worth it? · ATM surcharge fees in Florida · Placement vs. buying vs. leasing
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