Merchant-owned ATMs
Merchant-owned ATMs: your machine, your cash.
For owners who already handle cash every day and want to own the machine outright. You own the machine and load it from your own till; we set up the equipment, processing and support so it runs like a professional installation.
Overview
How it works.
A good fit for
- Cash-heavy businesses with a safe and staff who already count a drawer
- Owners who want full control over the surcharge amount
- Multi-location operators building their own small ATM network
- Businesses replacing an older machine they already own
Free placement is the right answer for most businesses: nothing to buy, nothing to load, nothing to fix. But some owners already handle plenty of cash — bars, liquor stores, gas stations — and would rather own the machine. With a merchant-owned ATM you load it with cash you already have on hand, set the surcharge, and keep the surcharge income after processing and other costs.
BayTM makes the merchant-owned model simple. We supply a new Hyosung or Genmega machine, set up processing so each day’s withdrawals settle back to your bank account, program the surcharge you choose, install and test everything, and stay on call for service. You decide how hands-on you want to be — we can even take over loading and maintenance later if you change your mind.
What’s included
Everything it takes to run properly.
- 01
A new Hyosung or Genmega ATM
Current models with EMV chip readers, encrypted PIN pads and bright screens — sized for your space and volume.
- 02
Processing and settlement
We set up processing so withdrawals settle back to your business bank account, with online reporting you can check any time.
- 03
Surcharge programming
You choose the surcharge customers pay. We program it and can change it whenever you like.
- 04
Installation and training
Delivered, anchored, connected and tested, plus a short walkthrough so your team can load and balance with confidence.
- 05
Support and service
A real phone number for questions, remote diagnostics and on-site repair when you need it.
- 06
Options to go hands-off
Want us to load it or maintain it later? Add cash loading or a service plan at any time.
Getting started
Three steps.
- I
Choose your machine
We recommend a Hyosung or Genmega model based on your space, traffic and how often you want to load it.
- II
Set up processing
A short application links the ATM to your bank account for daily settlement.
- III
Install and go live
We deliver, install, program your surcharge and walk your team through loading and balancing.
How the money flows
An illustrative example — not a forecast.
With a merchant-owned ATM, the cash customers withdraw is cash you loaded, and it comes back to your bank account through settlement. The surcharge is the part that can become income, after your costs.
| Item | How it works |
|---|---|
| Cash dispensed | Your own cash, returned to your bank account in settlement. It’s not income — it’s your money coming back. |
| Gross surcharge | Number of withdrawals × the surcharge you set. For example, 300 withdrawals × $3.00 = $900 gross in a month. |
| Less processing and service costs | Per-transaction processing, connectivity and any service or loading plan you choose. We quote these for your setup. |
| Less equipment cost | The machine purchase, spread over its useful life. |
| Net result | What’s left after the above. It depends entirely on your volume, surcharge and costs, so we don’t promise a number. |
Figures are illustrative assumptions only. Your actual volume, surcharge, fees and results will differ.
Questions
About merchant-owned ATMs.
What’s the difference between merchant-owned and free placement?
With free placement, BayTM owns the machine, supplies the cash and handles everything — at no cost to you. With a merchant-owned ATM, you own the machine and load it with your own cash, and the surcharge income is yours after processing and other costs. It’s more involved, and it can make sense for cash-heavy businesses.
Where does the money go when a customer withdraws?
The customer receives cash from the machine — cash you loaded. The withdrawal amount plus your surcharge is then settled back to your business bank account through processing.
Can you load the machine for me instead?
Yes. Many owners start merchant-loaded and later hand loading to us, or the other way around. See cash loading.
Can I switch my existing ATM to BayTM processing?
Often, yes, depending on the machine’s age and model. See ATM processing.
Discuss an owned ATM
Talk through the numbers for your location.
Tell us about your business and how you handle cash today. We’ll walk you through equipment, processing and loading options and what each would cost.
Prefer to talk? Call (510) 747-8021.