Small local ATM network

Cardholders pay a fee when they withdraw cash. The venue usually gets a share of each fee, or a flat rent, for hosting the machine.

You earn a fee per transaction, minus the venue's share, processor fees, cash handling costs and machine upkeep. Busy sites with few nearby ATMs earn the most.

• Negotiating with venue owners
• Careful cash handling and record keeping
• Basic troubleshooting for machine faults
• Reliable, prompt service

• Industry and network rules on connecting an ATM and on fee disclosure, check these with your processor and the Australian Payments Network
• Whether anti-money laundering rules apply to your set-up, check with AUSTRAC
• Insurance for cash on site, theft, vandalism and public liability
• Carrying and loading large amounts of cash safely, consider a cash-in-transit service
• Venue agreements: contract length, who pays for repairs, and what happens if the venue closes
• Falling cash use, so test the site's likely volume before buying a machine

Startup costs are typically around $5,000 to $25,000, depending on whether you buy or lease machines and how many you place. Monthly revenue is typically around $400 to $3,000, depending on venues, withdrawal volume and fee shares.

Check industry and network rules on connecting an ATM and fee disclosure with your processor and the Australian Payments Network. Check with AUSTRAC whether anti-money laundering rules apply. Also look into insurance for cash on site and venue agreement terms.

Expect typically at least around 5 hours a week. Useful skills include negotiating with venue owners, careful cash handling and record keeping, basic troubleshooting and prompt service. Cash use may fall, so test a site's likely volume before buying a machine.