The Perfect Blend: Benefits of ATM Placement for Coffee Shops

October 26, 2025 | by Mirela Gunawan

It takes more than just making excellent coffee to run a local café; it also takes creating a welcoming, intimate atmosphere that attracts and retains customers. But when every swipe and tap takes a cut from your profits, those card fees can add up fast. That’s where an ATM placement for coffee shops can make all the difference.

You can improve your customers’ experience, increase foot traffic, and lower payment processing costs by installing an ATM in your busy neighborhood café or cozy espresso bar.

Why Should Coffee Shops Consider Installing an ATM Machine?

For small cafés and coffee shops, card fees can quietly drain profits. Let’s say your average ticket is $10. A 2.5% processing fee means $0.25 goes to the payment processor every time someone pays with a card. Multiply that by 100 daily transactions, and that’s $25 a day, or $750 a month, lost to fees.

By encouraging cash payments through in-store ATM placement, cafés can:

Cut down on card processing fees and keep more of each sale.
Increase revenue through ATM surcharge profits.
Offer convenience to customers who prefer paying in cash.
Encourage repeat visits, as customers often grab coffee while withdrawing cash.

It’s a simple, smart upgrade that pays for itself. Sometimes literally.

How Does ATM Placement Work for Coffee Shops?

The process is quick and low-effort. With NationalLink’s free ATM placement program, coffee shop owners can choose between full-service placement (we install, manage, and maintain everything) or ATM ownership, where you take home a larger share of the surcharge profits.

Here’s how it works:

Site evaluation: We assess your café’s location, layout, and traffic to determine the best placement spot.
Installation: A technician installs the ATM, ensuring compliance and optimal accessibility.
Cash loading & maintenance: Depending on your agreement, either NationalLink or your team handles the cash.
Profit sharing: You earn from every transaction, often without lifting a finger.

It’s a hassle-free way to turn your foot traffic into passive income.

What Are the Benefits of ATM Placement for Local Cafés?

Adding an ATM not only cut down fees, but also improves your overall business environment. Here’s what café owners gain:

More cash transactions: Encouraging cash use means fewer processing costs.
Customer convenience: Guests don’t have to leave to find a nearby ATM.
Community connection: Cash transactions feel more personal. Perfect for a local coffee shop vibe.
Increased foot traffic: People stop by to use the ATM and often end up buying a drink or pastry.
Passive income stream: Each withdrawal earns you a surcharge fee, adding to your bottom line.
Happier staff: Servers and baristas often prefer cash tips, which are faster, more flexible, and can boost morale.

Think of it as brewing an extra stream of revenue right from your counter.

How Much Can a Coffee Shop Earn From an ATM Machine?

Earnings depend on location and traffic, but a typical coffee shop ATM can generate $300-$700 per month in surcharge profits alone.

Combine that with reduced card processing fees and improved cash flow, and the total savings easily reach hundreds or even thousands of dollars per month with zero extra labor.

Why Partner With NationalLink for Your Café’s ATM Placement?

NationalLink has decades of experience helping small businesses like cafés, restaurants, and convenience stores increase profits with custom ATM solutions.

When you work with us, you get:

Full-service installation and maintenance
24/7 monitoring and support
ADA and PCI-compliant machines
Flexible ownership and profit-sharing options
Nationwide coverage and fast installation times

Our goal is to help your café retain more of its earnings while providing your customers with added convenience.

Ready to Add an ATM to Your Coffee Shop?

An ATM at a coffee shop is a smart business move, not just another device. You can reduce fees, attract more customers, and offer convenience without sacrificing the homey charm of your café by converting foot traffic into revenue.

Talk to a NationalLink ATM expert today to find the best placement option for your café and start earning more from every cup you serve.