Every store in America may have an automated teller machine (ATM) within their building or premises. Customers can easily withdraw money and continue with their in-store transactions through it. However, even if the technology has been around for some time, there are still questions left unanswered, and here are some of them.

1. How Does ATM Processing Work?

Despite being popularly used in most banks and retail stores, many people still have no idea how ATMs work. From the perspective of a bank, it is a pre-programmed machine that processes transactions on behalf of the bank, including withdrawals and deposits.

From an ATM owner who rents out their machine to the bank per the agreement, it works by maintaining the balance in the machine. The owner will determine how much the device will hold, and this should always be linked to the number of people who will use the machine and the average amount of value in every card transaction.

2. Does ATM Processing Cost Money?

It is a common assumption that using an ATM would cost the user money. However, this is not true. The only time a customer will be charged for using an ATM is when the customer withdraws cash at an ATM in a different bank or country than the one that has issued the customer’s card.

Another factor contributing to the fees is how many times the machine is used over a certain period. It depends on the location of the device and the time of the day. If a machine is located at the bank entrance, and customers often use it, the amount of ATM processing cost will be higher than machines located in a section where users will be lesser.

3. Is Using an ATM Safe?

As long as you follow some simple guidelines when using an ATM, you will be safe. These include knowing where you are, the amount of cash you will be withdrawing, and the balance available in your account. It may sound easy, but many get trapped with faulty ATMs and fraudsters.

Make sure you understand the instructions given by the machine, check the device itself, and if you see anything suspicious, cancel your transaction and report it to the bank. The bank will resolve the issue, and it is up to them if they will charge you for the extra time spent on your transaction.

4. How Does Having an ATM Benefit Stores?

An ATM is like any other service that a store could offer its customers. The only difference is that it is automated, and the owner does not need to hire a permanent employee to take care of it, precisely why most stores choose to install an ATM in their store.

Some of the benefits of installing an ATM include higher foot traffic and higher sales. If a store has an ATM prominently placed, it will draw people inside. Once customers are inside the store, they may choose to purchase something. Some also see it as an opportunity to withdraw cash if their bank has a limited amount of ATMs in their area.


ATM processing is one of the most important transactions that keep our business running. ATMs are available daily from retail stores to banks and other financial institutions. It is an easy and convenient way to pay for things in person.

ProSource is the leading ATM supplier in Wisconsin. Our goal is to provide small businesses with payment processing systems to solve their financial transactions every day. Through choice merchant services, make your in-store transactions more convenient and seamless to benefit customers. Call us today and apply for a payment processing system today.