ATM vs. Credit Card Surcharge: What’s Better for Your Customers?

Credit card fees subtract from your profits on every swipe. An ATM offers the opposite: a small, optional fee paid by customers for convenience—and you share the revenue.

Card Processing Fees (You Pay)

• Typical effective rate: 2–3.5% per transaction
• $20 ticket → $0.60 in fees; $10k/month sales → $200–$350+ lost

ATM Surcharge (Customer Pays)

• Fixed fee (e.g., $3) for cash access
• You keep a negotiated share with Archer ATM
• One withdrawal can cover multiple cash purchases

Real‑World Blend

Most shops keep card acceptance and add an ATM. Subtle prompts (“Cash preferred for games/tips”) reduce fees while giving customers options.