Interchange is a funny thing within the atm business. Many companies dont want to give it away. Reason being, its easy money. For each transaction, your buy rate determines what you’re getting. I remember one of my models consisted of being a middle man between store owner and atm owner. I would ask for part of the interechange. Many didnt want to do it, but the alternative of paying an upfront fee is much worse.

In the end, interchange is a small portion of the picture. It comes down to what your giving out (interest rate cost, store owners cut, tech calls) and what your bringing in (surcharge to atm owner and interchange to atm owner). You have to use EACH variable to increase your bottom line.