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 24, 2026.
Florida ATM FAQ
Short answer: Straight answers to the questions Florida business owners ask most about ATM installation, placement, costs, income, processing, compliance and maintenance — each linked to a full guide.
Who Answers These Questions
These answers come from our install team in Winter Park, the same people who answer the phone at (786) 554-3977. They reflect what we see every week installing and servicing ATMs across Orange, Seminole, Osceola, Volusia, Marion and Polk counties.
- Have a question that isn’t here? Call us — if we hear it twice, we add it.
How much does it cost to install an ATM in Florida?
ATM installation is free with our program — no upfront installation cost. Machines typically cost $1,500–$2,500 refurbished or $2,500–$4,500 new. Read the full guide →
Can I get a free ATM for my business?
Yes, if you have steady traffic. With free placement we supply, load and maintain the ATM and you earn commission on every ATM transaction. Read the full guide →
How long does ATM installation take?
60–120 minutes on site. Ordered machines take 1–2 weeks to arrive. Read the full guide →
How much does an ATM make per month?
Withdrawals × surcharge minus processing and any provider share. 300 withdrawals at $3 is $900 in surcharge revenue. Read the full guide →
Is an ATM worth it for a small business?
For most cash-heavy businesses with steady traffic, yes. Read the full guide →
Is it better to buy, lease or get free placement?
Buy for high volume, lease to avoid upfront cost, choose free placement for zero cost and effort. Read the full guide →
What should I charge for an ATM surcharge?
Match nearby ATMs. Florida has no state cap, but the fee must be disclosed before the transaction. Read the full guide →
How does ATM processing work?
A processor routes each withdrawal for approval and settles cash plus surcharge to your bank, usually in 1–2 business days. Read the full guide →
Genmega or Hyosung?
Both are reliable; choose by space, traffic, features and budget. Read the full guide →
Should I buy a new or refurbished ATM?
Refurbished suits most indoor stores if EMV-capable; new suits high-volume sites. Read the full guide →
What do I need before an ATM is installed?
About 2 × 2 ft of solid floor, a 120V outlet, a connection method, a business bank account and landlord approval if leasing. Read the full guide →
Do I need a permit for an ATM?
Usually not for indoor plug-in ATMs; often yes for outdoor or through-the-wall installs. Read the full guide →
What rules apply to ATMs in Florida?
Fee disclosure (Reg E), ADA accessibility and EMV are the main ones. Read the full guide →
How do I spot a skimmer?
Wiggle the card reader, check the keypad for overlays and look for pinhole cameras. Read the full guide →
How much cash should I load?
Average withdrawal × withdrawals per day × days between loads, plus a buffer. Read the full guide →
What do ATM error codes mean?
They point to the card reader, dispenser, printer or communication link. Read the full guide →
How do I protect my ATM in a hurricane?
Bolt it down, reduce cash if closing, use surge protection and get it checked after the storm. Read the full guide →
Does an ATM need internet?
No — a cellular wireless modem works without store internet. Read the full guide →
What if my ATM provider stopped responding?
Check your agreement’s terms and let us review your options. Read the full guide →
Do you repair ATMs?
Yes — card readers, dispensers, printers and communication errors, with local dispatch. Read the full guide →
Get your free ATM: call (786) 554-3977 or check if your business qualifies. For qualifying businesses. No upfront cost — we install, maintain and service it.