ATM Machine Leasing Options in New York

Mike Sullivan
Aug 11
3 min read

Quick answer: In New York, ATM leases typically run $55–$120/month depending on your credit, equipment, and term. Many programs include $0–low upfront, maintenance coverage, and tax-deductible payments. United Cash Systems offers Lease-to-Own, $1 buyout, $0-down financing, and short-term event rentals/placement across NYC, Long Island, Westchester, and statewide.

Why Lease an ATM in New York?

Lower upfront costs: Start earning surcharge revenue without a large cash purchase.
Predictable budgeting: Fixed monthly payments; operating expense is often tax-deductible.
Included service: Many leases bundle maintenance, parts, and remote monitoring.
Flexible terms: Options for short-term events or long-term lease-to-own.

Lease Types We Offer

1) Lease-to-Own ($1 Buyout)

Terms: 24–60 months; end with $1 ownership transfer.
Best for: Permanent locations (bodegas, salons, bars, delis, campuses).
Typical payment: $55–$120/month based on credit, equipment, and term.
What’s included: New EMV-compliant ATM, programming, training, optional maintenance plan.

2) Deferred/Step-Up Payments

Start light: Make a small deposit, then 2–3 spaced payments (e.g., at 30/60 days) before regular monthly billing begins.
Best for: New stores/cafés ramping traffic or seasonal businesses.

3) 100% Financing (New or Refurbished)

$0 down options: Finance hardware plus soft costs (freight, install, wireless).
Best for: Preserving cash flow while launching multiple locations.

4) ATM Placement & Short-Term Rentals

Events & pop-ups: Festivals, stadiums, street fairs, campus events.
We handle it: Delivery, install, cash management, on-site tech support, removal.
Retail placement: $0 hardware cost with revenue share and provider-managed service.

What It Costs (Typical Ranges)

Cost Element	What to Expect
Monthly lease	$55–$120 per ATM (credit, term, model)
Upfront	Often $0–low down; deferred plans available
Install & programming	Commonly included; through-the-wall may be extra
Maintenance	Included on many leases; otherwise low monthly add-on
Wireless data	Optional add-on (if not using hardline internet)
Vault cash	You can self-load (typ. $1,000–$4,000 to start) or choose provider cash

Tax advantage: Lease payments are typically deductible as an operating expense—consult your tax professional.

Control, Revenue & Fees

Surcharge control: With Lease-to-Own, you typically set the surcharge. Placement/rental programs may set or share it.
Processing & splits: We tailor processor pricing and revenue-share to your volume.
Card fees reduction: On-site cash access can shift spend from credit to cash, reducing interchange and chargebacks.
NY compliance: Machines are EMV, ADA-accessible, and configured to meet NY/NYC display and fee disclosure rules.

Which Option Fits Your NY Location?

Scenario	Recommended Option	Why
Year-round foot traffic (NYC deli, bar, salon)	Lease-to-Own ($1 buyout)	You keep surcharge, own asset at term end
New shop testing demand	Deferred/Step-Up	Lighter payments while traffic builds
Multi-location rollout	100% Financing	Conserve cash; scale fast
Short-term needs (festival, stadium, campus event)	Rental/Placement	Turnkey install + cash handling

Simple NY ROI Snapshot

Surcharge: $3.00
Transactions/month: 200
Gross surcharge: $600/month
After processor/comm fees: Majority retained (varies by plan).
Lease example: $85/month payment → $515/mo pre-supplies/net of payment (illustrative).We’ll model your exact foot traffic, surcharge, and lease plan before you commit.

What’s Included with United Cash Systems

Site survey & recommendations (Queens to the Bronx, Brooklyn, Manhattan, Staten Island; Long Island, Westchester, Rockland, upstate).
New or refurbished equipment (EMV, NFC/tap, high-capacity cassettes, remote monitoring).
Professional installation & programming with signage and receipt branding.
24/7 monitoring & rapid dispatch options.
Training for cash loading and basic troubleshooting.
Flexible processing with transparent statements and no junk fees.

How to Get Approved (Fast)

Basic application (business info + EIN).
Bank letter/voided check for settlements.
Owner ID and site details (hours, expected foot traffic).Most approvals are quick; installs often scheduled within days based on inventory and access.

FAQs

How much is it to lease an ATM in New York?Most leases fall between $55 and $120 per month per machine, depending on credit, term, and model.

Do I need to provide the cash inside the ATM?You can self-load (keep full surcharge) or choose provider-supplied cash (common with placement/rentals).

Can I set my own surcharge?Yes with purchase/lease-to-own. Placement/rental programs may set or share the surcharge.

Is leasing better than buying?Leasing minimizes upfront cost and includes service; owning can cost less over the long run in high-volume locations.

Do you cover short-term events in NYC?Yes—delivery, install, cash management, and removal included.

Get a New York Quote

Tell us your address, hours, and expected traffic. We’ll send side-by-side pricing for Lease-to-Own, Financing, and Placement/Rental—plus a custom ROI projection.