ATMVaultROI Studio — Free Interactive In-Browser Studio
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Quick Reference & Frequently Asked Questions
How much vault cash does an independent ATM operator need per machine?
On a 10-day self-replenishment cycle with an average withdrawal of $120, a machine doing 360 transactions/month dispenses $43,200/month and requires roughly $14,000 to $16,000 in rotating vault cash float.
What is a fair ATM commission split with a store owner?
For operator-owned and operator-loaded ATMs, standard merchant splits range from $0.50/txn on lower-volume sites (150–250 txns/mo) up to $1.00–$1.25/txn on high-traffic c-stores, dispensaries, and bars (400+ txns/mo).
When does it make financial sense to use an armored carrier instead of self-loading?
Because armored cash-in-transit (CIT) services plus commercial vault cash order fees cost $180 to $320+ per month per stop, armored loading typically requires at least 550 to 700 monthly transactions per site.
How much interchange revenue do independent ATM deployers earn?
In addition to the customer-paid surcharge ($3.00–$4.00), IADs earn net interchange on domestic network withdrawals (typically $0.15 to $0.28 per surcharged transaction and $0.05 to $0.10 on balance inquiries).