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

Cost Comparison

Credit card processing fees have crept up in 2025, while ATM surcharge levels remain about the same. By steering customers toward cash, you can reduce the 2–4% fee paid on every card transaction and instead earn income from surcharges.

Consumer Behavior

• Many customers prefer paying a small ATM fee to avoid card surcharges or retain privacy
• Cash withdrawals support budgeting and impulse spending alike

Updated Example

In 2025, a mini mart processing 5 ATM transactions per day at $3 per withdrawal earns $225 per month, while paying card processors $200 in fees for equivalent cashless transactions. The math still favors the ATM.

What’s Best for Customers?

Offering both options gives shoppers choice. An on‑site ATM empowers cash‑preference customers and reduces your card fee burden, creating a win‑win situation.