Buy Your Own ATM Program

Every ATM purchase includes free transaction processing service—there are no costs at any time, no processing contracts, and no hidden fees or monthly minimums. The best part? You keep 100% of the surcharge revenue!

  • You Keep 100% of the Surcharge Revenue

    Some companies that sell ATMs with processing often retain $0.50 of the surcharge fee per transaction for "network access" or other questionable reasons, providing little value in return. Others may not take a portion of the surcharge but require the ATM to meet a minimum number of transactions each month, or they impose a monthly minimum fee. With CMS ATM, there are no extra charges, no hidden fees, and you keep all the surcharge revenue.

  • EMV Certified and Trust

    Some companies still sell ATMs without EMV chip card readers, despite the EMV liability shift. While not technically required, operators know that their cash is at risk if fraudulent transactions occur with non-EMV cards. Customers often don’t realize they are liable for these transactions until it’s too late. Other companies may provide an ATM with an EMV card reader but then set up processing that isn't EMV certified, rendering them unable to process EMV chip cards effectively.

  • Contract-Free Transaction Processing

    The transaction processing offered by other companies is often inadequate. Many of them sell ATMs at a lower price but require merchants to sign lengthy 5-10 year processing contracts, locking them in regardless of service quality.

  • We Don't Cut Corners

    Many ATM companies cut corners by focusing solely on the lowest upfront price, often offering machines with minimal features—options they themselves wouldn’t want to use or maintain. At CMS ATM, we provide the machines we would want to buy.

ATM Purchase FAQs

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How much does a basic ATM cost?

The standalone ATMs displayed on this page are priced between $2,000 and $2,800 for the basic setup mentioned above. Prices are updated monthly, so they may vary. For an accurate price quote, please reach out to us via our contact form or call 1-800-951-9533.

If you’re interested in upgraded features such as larger cash cassettes (2,000, 4,000, 6,000, or 8,000-note capacity), bigger screens (up to 12 inches with touchscreen capabilities), an upgraded Kaba Mas lock, lighted toppers, video toppers, and more, the cost of the ATM can increase to up to $7,000.

What all is included with the basic ATM setup?

The basic ATM setup includes:

⚡️ Pre-programmed configuration

⚡️ Free transaction processing

⚡️ 1,000-note removable cash cassette

⚡️ Electronic lock

⚡️ EMV card reader

Although labeled as the “basic” setup, it’s anything but basic, as many of the features included are actually upgrades.

Is shipping included?

Yes, all the ATMs we sell come with express shipping and lift-gate service at no extra charge. Many companies either do not include shipping in their pricing or require you to unload the machine from the truck yourself.

How long does the ATM take to ship?

The ATM typically ships within 5-10 business days, but a few factors may affect this timeline:

⚡️ ACH Payment: Takes 1-2 days for electronic funds transfer to process.

⚡️ Check Payment: Requires waiting for the check to arrive in the mail and for it to clear.

⚡️ Documentation: Customers must complete several forms to set up as a new ATM operator and provide the necessary information for programming. This process usually takes one to two days, but can sometimes take up to a week.

Overall, shipping generally takes 5-10 business days.

What kind of warranty is included?

All ATMs include a one-year manufacturer’s parts warranty, while GenMega ATMs come with a two-year parts warranty. If a part breaks or needs to be replaced, you can return it to the manufacturer for a replacement at no cost.

What happens if the ATM stops working and is still under warranty?

While it’s very rare to encounter issues with new machines, problems can occasionally arise. If this happens, the first step is to call CMS ATM immediately and explain the issue, including any error codes displayed on the ATM’s screen. We may be able to resolve the problem over the phone by guiding you through the reset process. If the issue requires more than a simple fix, a technician will need to be dispatched to address it. All parts are covered for one year, but please note that in some cases, technician service fees may not be covered under the warranty.

How is the ATM installed?

Please note that the installation of the ATM is separate from the programming. CMS ATM will program and configure the machine before it is shipped, so it’s ready for operation as soon as it arrives. The “installation” involves securing the ATM to the floor, which simply requires anchoring it with four bolts, similar to securing a safe.

Here are your options:

⚡️ Do It Yourself (Free)

⚡️ No Installation (Free)

⚡️ Hire a Contractor/Handyman

⚡️ Hire a CMS ATM Technician

How do I install the ATM myself?

Many resourceful merchants we sell ATMs to choose to handle the installation themselves to save money. Others have the ATM installed by their staff, maintenance personnel, or a friend.

What do I do if I'm having problems with the ATM?

All CMS ATM customers have access to technical phone support. You can easily call our tech hotline and troubleshoot issues with a certified ATM technician. With newer ATMs, many of the problems encountered are often simple fixes.

What if the ATM needs on-site maintenance or repair?

Rates may vary by technician, but typically, a technician charges around $100 per hour. Some may also charge a service fee, usually around $50 per visit. We offer ATM service packages where CMS ATM receives a small portion of the surcharge revenue per transaction in exchange for maintenance coverage. With this ATM Maintenance Program, you can call the local technician directly for on-site support at no additional cost. For more information about this ATM maintenance/service package, please contact us.

How will I know how to operate the ATM?

Most customers review our ATM cash loading guide, which explains how to operate and replenish cash in the machine. Additionally, you can call our support hotline while on-site with the ATM, and a technician can guide you through every step of the maintenance process, including cash replenishment and navigating the user menus. There is no extra charge for this training.

Who do you recommend ATM purchases for?

We strongly recommend an ATM purchase for smaller, independently owned ‘mom-and-pop’ businesses.

If you operate a busy, high-traffic establishment, we’re happy to sell you an ATM, but keep in mind that maintaining it will require a significant investment of cash and commitment. It’s similar to having a pet; it needs regular attention and care. Frequent cash loading can be an inconvenience for those who are often busy with work. This is why many larger businesses opt for the free ATM placement option or the 50-50 revenue-sharing deal, but ultimately, the choice is yours.

How much money can you make if you own and load the ATM?

With an ATM purchase, you retain 100% of the surcharge fees paid by ATM users and can set the surcharge amount to whatever you choose.

Your monthly revenue will depend on two factors:

  1. The surcharge fee you set.
  2. The number of transactions the ATM processes each month.

For example, if you set the surcharge at $3.25 (which is the average in the hotel and lodging industry) and process 300 transactions per month, you could earn approximately $1,000 in surcharge revenue. Many successful locations can recoup their initial investment within three to six months. It’s a solid investment if you’re willing to put in the time to manage cash loading.

Can I buy my own ATM and use CMS for processing?

Yes, that’s actually quite common. Our processing remains free. HOWEVER, to process with us, your ATM must meet the following guidelines:

  1. It must be EMV capable.
  2. Its software must be up to date.
  3. You must have the master password.

(To verify if you have the master password, try logging in and attempt to change the password. If you cannot access the option to change the master password, you do not have it and will need to obtain it before processing with us.)

How much is the processing fee?

There are no processing fees. You retain 100% of your surcharge revenue!

How does CMS make money and what is the interchange?

We collect interchange, which is approximately 10 cents on the backend. This is part of an agreement between us and the banks. Neither you nor the customer will see this 10 cents, nor will you be charged for it at any time. You will receive the full surcharge and won’t incur any fees.

Does the ATM need wireless?

If you don't have a dedicated phone line or Ethernet capabilities, you'll need to provide your own router for the ATM. We can provide more information on this if you're interested.

Can you deliver to my location and install it as well?

We can deliver to your location without any issues (though residential locations may incur a fee), but finding someone to handle the installation could be a challenge.

If you’re starting an ATM business, we recommend learning how to bolt it down, as it’s an important skill. We can direct you to helpful videos if needed. If you prefer to hire someone else for the bolting, we suggest contacting a handyman, as they may offer the most cost-effective option.

Can I check my information for my ATM using my phone or computer?

Yes, you will have access to daily reporting, allowing you to view transaction histories and receive current updates on your ATM.

I'm looking to start my own ATM company, do you offer training?

Yes! We have a guide you can purchase by clicking here.

Collapsible content

How much does a basic ATM cost?

The standalone ATMs displayed on this page are priced between $2,000 and $2,800 for the basic setup mentioned above. Prices are updated monthly, so they may vary.

If you’re interested in upgraded features such as larger cash cassettes (2,000, 4,000, 6,000, or 8,000-note capacity), bigger screens (up to 12 inches with touchscreen capabilities), an upgraded Kaba Mas lock, lighted toppers, video toppers, and more, the cost of the ATM can increase to up to $7,000.

What all is included with the basic ATM setup?

The basic ATM setup includes:

⚡️ Pre-programmed configuration

⚡️ Free transaction processing

⚡️ 1,000-note removable cash cassette

⚡️ Electronic lock

⚡️ EMV card reader

Although labeled as the “basic” setup, it’s anything but basic, as many of the features included are actually upgrades.

Is shipping included?

Yes, all the ATMs we sell come with express shipping and lift-gate service at no extra charge. Many companies either do not include shipping in their pricing or require you to unload the machine from the truck yourself.

How long does the ATM take to ship?

The ATM typically ships within 5-10 business days, but a few factors may affect this timeline:

⚡️ ACH Payment: Takes 1-2 days for electronic funds transfer to process.

⚡️ Check Payment: Requires waiting for the check to arrive in the mail and for it to clear.

⚡️ Documentation: Customers must complete several forms to set up as a new ATM operator and provide the necessary information for programming. This process usually takes one to two days, but can sometimes take up to a week.

Overall, shipping generally takes 5-10 business days.

What kind of warranty is included?

All ATMs include a one-year manufacturer’s parts warranty, while GenMega ATMs come with a two-year parts warranty. If a part breaks or needs to be replaced, you can return it to the manufacturer for a replacement at no cost.

What happens if the ATM stops working and is still under warranty?

While it’s very rare to encounter issues with new machines, problems can occasionally arise. If this happens, the first step is to call CMS ATM immediately and explain the issue, including any error codes displayed on the ATM’s screen. We may be able to resolve the problem over the phone by guiding you through the reset process. If the issue requires more than a simple fix, a technician will need to be dispatched to address it. All parts are covered for one year, but please note that in some cases, technician service fees may not be covered under the warranty.

How is the ATM installed?

Please note that the installation of the ATM is separate from the programming. CMS ATM will program and configure the machine before it is shipped, so it’s ready for operation as soon as it arrives. The “installation” involves securing the ATM to the floor, which simply requires anchoring it with four bolts, similar to securing a safe.

Here are your options:

⚡️ Do It Yourself (Free)

⚡️ No Installation (Free)

⚡️ Hire a Contractor/Handyman

⚡️ Hire a CMS ATM Technician

How do I install the ATM myself?

Many resourceful merchants we sell ATMs to choose to handle the installation themselves to save money. Others have the ATM installed by their staff, maintenance personnel, or a friend.

What do I do if I'm having problems with the ATM?

All CMS ATM customers have access to technical phone support. You can easily call our tech hotline and troubleshoot issues with a certified ATM technician. With newer ATMs, many of the problems encountered are often simple fixes.

What if the ATM needs on-site maintenance or repair?

Rates may vary by technician, but typically, a technician charges around $100 per hour. Some may also charge a service fee, usually around $50 per visit. We offer ATM service packages where CMS ATM receives a small portion of the surcharge revenue per transaction in exchange for maintenance coverage. With this ATM Maintenance Program, you can call the local technician directly for on-site support at no additional cost. For more information about this ATM maintenance/service package, please contact us.

How will I know how to operate the ATM?

Most customers review our ATM cash loading guide, which explains how to operate and replenish cash in the machine. Additionally, you can call our support hotline while on-site with the ATM, and a technician can guide you through every step of the maintenance process, including cash replenishment and navigating the user menus. There is no extra charge for this training.

Who do you recommend ATM purchases for?

We strongly recommend an ATM purchase for smaller, independently owned ‘mom-and-pop’ businesses.

If you operate a busy, high-traffic establishment, we’re happy to sell you an ATM, but keep in mind that maintaining it will require a significant investment of cash and commitment. It’s similar to having a pet; it needs regular attention and care. Frequent cash loading can be an inconvenience for those who are often busy with work. This is why many larger businesses opt for the free ATM placement option or the 50-50 revenue-sharing deal, but ultimately, the choice is yours.

How much money can you make if you own and load the ATM?

With an ATM purchase, you retain 100% of the surcharge fees paid by ATM users and can set the surcharge amount to whatever you choose.

Your monthly revenue will depend on two factors:

  1. The surcharge fee you set.
  2. The number of transactions the ATM processes each month.

For example, if you set the surcharge at $3.25 (which is the average in the hotel and lodging industry) and process 300 transactions per month, you could earn approximately $1,000 in surcharge revenue. Many successful locations can recoup their initial investment within three to six months. It’s a solid investment if you’re willing to put in the time to manage cash loading.

Can I buy my own ATM and use CMS for processing?

Yes, that’s actually quite common. Our processing remains free. HOWEVER, to process with us, your ATM must meet the following guidelines:

  1. It must be EMV capable.
  2. Its software must be up to date.
  3. You must have the master password.

(To verify if you have the master password, try logging in and attempt to change the password. If you cannot access the option to change the master password, you do not have it and will need to obtain it before processing with us.)

How much is the processing fee?

There are no processing fees. You retain 100% of your surcharge revenue!

How does CMS make money and what is the interchange?

We collect interchange, which is approximately 10 cents on the backend. This is part of an agreement between us and the banks. Neither you nor the customer will see this 10 cents, nor will you be charged for it at any time. You will receive the full surcharge and won’t incur any fees.

Does the ATM need wireless?

If you don't have a dedicated phone line or Ethernet capabilities, you'll need to provide your own router for the ATM. We can provide more information on this if you're interested.

Can you deliver to my location and install it as well?

We can deliver to your location without any issues (though residential locations may incur a fee), but finding someone to handle the installation could be a challenge.

If you’re starting an ATM business, we recommend learning how to bolt it down, as it’s an important skill. We can direct you to helpful videos if needed. If you prefer to hire someone else for the bolting, we suggest contacting a handyman, as they may offer the most cost-effective option.

Can I check my information for my ATM using my phone or computer?

Yes, you will have access to daily reporting, allowing you to view transaction histories and receive current updates on your ATM.

I'm looking to start my own ATM company, do you offer training?

Yes! We have a guide you can purchase by clicking here.