That depends on how busy your location is - but when you own and load your own ATM, you keep 100% of every surcharge, so the profits add up fast!

Most Toronto businesses charge a $3.00 - $4.00 surcharge per withdrawal.

Even with modest traffic, the numbers look great:

Monthly Withdrawals Surcharge Your Monthly Profit

300 transactions $3.00 $900

500 transactions $3.00 $1,500

700 transactions $3.00 $2,100

That’s $10,000 - $25,000 per year in extra income.

Since you own the ATM outright, there’s no revenue sharing or hidden fees.

Every dollar of Interac surcharge revenue belongs to you.

Most of our customers can recover their entire ATM cost within the first 10 to 18 months, then enjoy years of steady, passive profit.

You receive your surcharge profit by direct deposit into your bank account the very next business day following the activity at your ATM, except on weekends and statutory holidays when banks are closed.

All ATM settlements in Canada are based on the Eastern Standard Time Zone, and each processing “host day” runs from 9:00 p.m. to 9:00 p.m. EST. Transactions that occur after 9:00 p.m. are included in the next host day’s totals.

For example, if your ATM completes 10 withdrawals today with a $3.50 surcharge, you’ll receive a $35.00 deposit in your account the following business day.

All transactions from that host day are consolidated into a single credit for easy reconciliation.

Deposits can also be configured differently upon request:

• Vault Cash Settlements and Surcharge Revenue can be paid separately or combined into one deposit.

• Monthly settlement options are available if you prefer a single consolidated payment.

Deposits are handled automatically through the payment networks, ensuring that your earnings arrive quickly, reliably, and with full transaction transparency.

It’s true - some companies advertise a “Free ATM” for your business, but remember: nothing is ever truly free.

Those companies keep a large percentage of your surcharge revenue - often 50%, 60%, or even 90% in exchange for placing the ATM at your location. You may not pay for the machine up front, but you’ll give away most of the profit every single month.

With ATMToronto.com, you own your ATM outright and you keep 100% of your Interac surcharge revenue.

You control your cash, your machine, and your earnings - no middlemen, no shared profits.