ATM vs. Credit Card Surcharge: What’s Better for Your Customers?
Published August 15, 2025 by Chris Nichols
Who pays which fee
When a customer pays by card, you pay the processing fee, usually a few percent of the sale. When a customer takes cash out of an ATM, they pay the surcharge, and part of it comes back to you. Every sale that moves from card to cash saves you the card fee.
What customers actually do
Some people would rather pay one ATM fee than a card surcharge on every purchase. Some just like paying cash, for budgeting or privacy. Neither group goes away because you take cards.
Offer both
You don't have to choose. Keep taking cards, and give the cash customers a machine by the door. You'll pay a little less in card fees and get paid on every withdrawal. How much depends on your traffic, so try the calculator rather than trusting a round number from me.
If you have a storefront around Butler and want a machine in it, fill out the host form or call or text me at (724) 264-8181. The calculator gives you a rough monthly number first, if you'd rather start there.
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