Starting an ATM business in Arizona requires three main steps: forming an LLC, securing a processing agreement, and finding profitable locations. You do not need a specific state "ATM license," but you must have a dedicated business bank account to receive your surcharge revenue. Once your machine is installed and programmed, you earn passive income every time a customer withdraws cash.
Step 1: Secure Your Locations First
The most critical factor is finding a location with high foot traffic. In competitive markets like Phoenix and Tucson, you should look for cash-driven businesses such as barbershops, nail salons, or busy bars that do not accept credit cards. Do not buy a machine until you have a signed contract with a business owner agreeing to host it.
Step 2: Equipment and Processing
Once you have a location, you need to purchase a compliant ATM (such as a Hyosung or Genmega) and connect it to a processor. As an Arizona-based operator, Fort Yuma ATM can help you source wholesale equipment and set up your processing agreement so your transactions route correctly through the banking network.
Step 3: Banking and Compliance
You cannot use a personal bank account for an ATM business. You must open a business checking account specifically for "settlement funds." This is where the banking network will deposit the cash dispensed from your machine back into your account, along with your surcharge profit, usually on a daily basis.
Check out more definitions in our ATM FAQ Terms & Guides.
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