ROI That ATM Providers
Don’t Want You to Calculate

How Fast Does an ATM Pay for Itself?

When you buy a Vault Note ATM, the return is simple: every withdrawal helps recover the machine cost. Once the ATM is paid off, it can continue generating cash flow from the same customer behaviour, without a lease or revenue-share mode

From purchase price to payback

You buy the ATM once, place it on-site, and earn income each time a customer withdraws cash.

You buy the machine once, place it on-site, and earn income every time a customer withdraws cash.

Here is the simple version:

Vault Note purchase price
Processing & network cost
Customer Surcharge
A$ 6,590
+ GST
A$ 6,590
per transaction& $45 p.m. comms fee
A$ 6,590
You decide (example used above: $2.80)
With a $2.80 customer fee:

Each transaction earns you $2.65 ($2.80 minus $0.15 processing).

This is the economic engine

Once the purchase price is recovered, the transactions continue to generate income month after month, year after year.

What one Vault Note ATM can return

Upfront cost:
$6,590 + GST
Typical payback window:
4–6 months
Atmwest processing fee
~$2.65
Typical annual net after processing:
~$10,000–$15,000

Once paid off, the ATM continues to earn from the same customer behaviour. No contract renewal. No revenue split. No complicated rebate structure.

How Transaction Volume Affects Payback Time

The table below shows simple payback before tax, assuming you keep the customer fee and only subtract the $0.15 processing cost.