How it works

How Can an ATM Operator Add Merchant Services?

An ATM operator can add merchant services by partnering with an established payments provider, learning the essential processing fundamentals, identifying qualified merchants, presenting an appropriate solution, completing underwriting, and supporting the account after installation.

Step by step

The six-step path

Map the portfolio

List locations, relationship strength, business type, volume, current equipment, service concerns, and renewal timing.

Qualify before pitching

Look for poor support, outdated hardware, unclear pricing, expansion, new ownership, and unreliable funding.

Lead with discovery

Ask how the merchant takes payments, what is working, and what they wish their provider handled better.

Build the right solution

Match processing, equipment, software, pricing, and service to the merchant — not one-size-fits-all.

Set clear expectations

Documents, underwriting, shipping, installation, training, funding, PCI, and support contacts.

Stay involved after the sale

Verify first transactions and deposits, check equipment use, and keep a consistent follow-up rhythm.

The ATM is the entry point. The long-term opportunity is becoming a broader payments resource to the merchant.