Local ATM route you load and service yourself

People who withdraw cash pay a surcharge at the machine. The venue usually receives a share or a flat monthly amount for hosting it.

You keep the per-transaction surcharge and interchange fees after paying the venue's share, processing fees, cash costs and servicing costs. More machines in busy spots mean more income.

• Approaching business owners and negotiating
• Careful cash handling and record keeping
• Reliable, regular route planning
• Basic troubleshooting

• Carrying and storing cash is a real security risk, so check insurance cover for cash in transit and on site
• Check what your sponsor or processor requires, including Interac or card network rules and any machine compliance standards
• Check with your province and municipality about any business licensing and about signage and surcharge disclosure rules
• Weak locations can earn very little, so test foot traffic before placing a machine
• Your cash float is tied up money, so plan for it on top of the machine cost
• Winter weather and seasonal venues can swing transaction volumes

Estimates suggest startup costs are typically around $6,000 to $30,000 CAD, depending on how many machines you buy or lease. Your cash float is tied-up money, so plan for it on top of the machine cost.

Monthly revenue is estimated at typically around $600 to $3,000 CAD, depending on your locations and foot traffic. Weak locations can earn very little, so test foot traffic before placing a machine.

Check insurance cover for cash in transit and on site, and what your sponsor or processor requires, including Interac or card network rules. Also ask your province and municipality about business licensing, signage and surcharge disclosure rules.