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Can You Put an ATM Anywhere? A Guide to ATM Ownership

September 28, 2025 | by Mirela Gunawan

Can You Put an ATM Anywhere?

The short answer: not quite. Although ATMs can be installed in a wide range of businesses, a location’s profitability and compliance are determined by various technical, legal, and strategic considerations. NationalLink offers comprehensive ATM installation services to guarantee that your machine is set up properly, in compliance with the law, safely, and profitably.

Do You Need Permission to Place an ATM?

Yes. If you don’t own the property, you’ll need the landlord’s approval through a placement agreement. Local zoning regulations may still be in effect even if you own the property. Certain cities require permits or restrict ATM placement in public areas. To ensure a smooth setup, NationalLink collaborates with property managers and manages compliance checks.

Do You Need a License to Have an ATM?

In most cases, you don’t need a special license to own an ATM. However, certain industries, like cannabis or gaming, require stricter compliance for cash-handling devices. Working with a reputable ATM provider, such as NationalLink, guarantees that your machine is installed correctly and continues to operate properly.

Can You Legally Own an ATM Machine?

Yes, but your ATMs must meet:

  • ADA compliance: Machines must be accessible to all customers, including those in wheelchairs.
  • Zoning regulations: Some municipalities require permits, especially for outdoor or through-the-wall installations.
  • Security standards: Machines must use tamper-proof and encrypted technology to protect transactions.
  • PCI compliance: ATMs must follow Payment Card Industry standards to safeguard sensitive cardholder data and prevent fraud.

NationalLink ensures every installation meets these standards so you avoid fines or downtime.

Do I Need to Own the ATM to Have It Installed?

Not necessarily! With NationalLink, you have two choices:

  • Free ATM Placement: We install the machine at no upfront cost; you earn surcharge revenue with none of the equipment burden.
  • Independent ATM Deployer (IAD) Option: You purchase the ATM and control its route, while NationalLink supports you with processing, installation, and vault services.

What Is the Best Place to Put an ATM?

The best ATM locations balance high traffic and cash demand. Top-performing venues include:

Placing your ATM in a visible, well-lit area near entrances or checkout lines increases both safety and usage. Read more on Top 10 Cash-Only Businesses for ATM Placement.

Can You Install an ATM Outdoors?

Yes, outdoor ATMs are possible, but they require weatherproof enclosures, tamper-resistant hardware, and reliable power/internet access. NationalLink can install ATMs designed specifically for outdoor use for maximum uptime and security.

What Technical Setup Does an ATM Need?

Every ATM requires:

  • Power: A standard 120V outlet
  • Connectivity: Wired internet, Wi-Fi, or wireless modem
  • Security: Bolted base and camera coverage for added protection

NationalLink configures your ATM for reliable processing and provides 24/7 monitoring.

What Mistakes Should You Avoid in ATM Placement?

  • Hiding the machine: Low visibility = fewer transactions
  • Ignoring compliance: ADA violations and zoning issues can cost you
  • Skipping security: Poorly lit or unmonitored areas attract fraud and theft
  • Handshake-only deals: Always secure written agreements with property owners

What If My Location Runs Out of Cash or The Machine Malfunctions?

No worries. NationalLink provides 24/7 monitoring, maintenance, and cash loading services to ensure your ATM operates smoothly. If there’s an issue, our support team dispatches help fast to minimize downtime.

How Quickly Can I Start Earning From My ATM Location?

Yes. With NationalLink’s ATM installation services, many locations are up and running within days. If your site qualifies and the setup goes smoothly, NationalLink can have your ATM installed and earning within days. With fast activation and surcharge revenue flowing, you begin generating ATM income almost immediately.

Ready to explore ATM ownership? Connect with a NationalLink expert to discuss the placement and setup option that works best for you.

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