You are a Business Owner if…
- Operating a customer-facing Arizona business (bar, restaurant, retail)
- Looking to add ATM revenue or reduce credit card surcharges to your business
- Considering whether to host (zero-cost, recurring commission) or own (more revenue, more compliance)
Your Priorities
- Negotiate a fair location agreement — read all seven key clauses
- Confirm operator's FinCEN MSB registration and BSA/AML program before signing
- Verify operator carries cash-in-transit insurance with you named
- Understand cancellation terms — avoid auto-renewal beyond 1 year
Your Arizona Roadmap
The steps below map to the full Arizona operator guide. Click any step to jump to the details.
- 1Hosting = $0 cost, $0.50–$2.00 per transaction. Owning = full revenue, full compliance burden.
- 2Confirm FinCEN registration, insurance certificates, references.
- 3Never operate on a handshake — see Step 9 for required clauses.
- 4Both physical and on-screen notices are the operator's responsibility, but failures expose you to reputational risk.
- 530" × 48" clear floor space and reachable controls.
Common Pitfalls
- Signing a 5-year contract with a remaining-term termination clause
- Allowing the operator to install without seeing their insurance certificate
- Hosting an ATM without Reg E signage — exposes the location to consumer complaints
- Forgetting to declare commission income on your business tax return
Budget Snapshot
| Hosting an ATM (operator-owned) | $0 setup, recurring revenue share |
|---|---|
| Owning the ATM yourself | $2,000–$4,000 hardware + full compliance stack |
| Recommended due diligence (legal review) | $200–$500 one-time |