Buying an ATM and hosting a placed ATM are two different arrangements. The choice for an Upstate South Carolina business depends on who wants to own the equipment, supply the cash, and take responsibility for keeping the machine operating.
Compare those responsibilities before comparing possible surcharge income. A business in Greenville, Anderson, or Spartanburg should be able to see the entire arrangement on one page.
How Greenville ATM's two options compare
Scroll the table sideways to see all columns.
| Question | Placement | Buying |
|---|---|---|
| Who owns the ATM? | Greenville ATM | The buyer |
| Who supplies and loads cash? | The provider | The buyer arranges cash loading |
| What does the host receive? | A negotiated revenue share | 100% of the surcharge |
| What is included? | Machine, installation, wireless communications, repairs, cash, and cash loading; free to the host | Purchased equipment and free, required processing; confirm other services in the quote |
Source: Greenville ATM placement terms. Source: Greenville ATM purchase terms.
Buying: separate revenue from the cost of operating
Keeping the full surcharge is one part of the purchase arrangement. Your comparison should also account for equipment spending, cash funding, and any installation, communications, repair, or other expenses in your quote.
Write down who would load cash and reconcile the records. If another company would do that work, obtain its terms before calculating the cost of ownership. Give your own staff time a place in the comparison rather than treating it as unlimited.
Use actual transaction history when available. If you are considering your first ATM, label transaction estimates as assumptions and test more than one scenario. Do not convert general foot traffic into a promised number of withdrawals.
Placement: review the agreement and the location
Placement shifts the listed equipment and cash responsibilities to the provider. The host's revenue share is negotiated. Ask how that share is calculated, how payments are documented, and what happens if the location changes.
Review term length, renewals, access for servicing, relocation, and removal. Consider landlord permission and the space available for customers. These questions remain relevant even when the machine and installation are free to the host.
Choose using the responsibilities you can actually take on
Buying deserves a closer look when you want equipment ownership and can arrange cash funding, loading, and oversight. Placement deserves a closer look when you prefer the provider to handle the machine and cash under the published placement terms. Neither choice has a guaranteed income outcome.
A useful worksheet has a row for every responsibility and names the person or company assigned to it. If a row is blank, ask about it before signing. Include the proposed machine location and the business's operating hours with the worksheet.
What “free” means in these offers
Free placement describes the host business's offer. Free processing describes processing for an ATM purchased from Greenville ATM. Neither statement says that customers withdraw money without a surcharge. Read the offer from the perspective of the party receiving it. Source: Greenville ATM processing terms.
Greenville ATM serves businesses throughout South Carolina. For an Upstate location, send your city, business type, and the responsibilities you want to handle so the discussion can focus on the appropriate option.
Discuss buying or placement for your business
Review the service details or see our South Carolina service area.