A Proven Path to Business Ownership

ACFN is the largest provider of ATMs to hotels in the United States, with 30 years of industry experience, 188 franchisees and more than 2,500 ATMs across the U.S. Our proven franchise model gives entrepreneurs a flexible way to start and grow their own ATM business with the experience, infrastructure and support of an industry leader.

  • Four SeasonsFour Seasons
  • The Ritz-CarltonThe Ritz-Carlton
  • HiltonHilton
  • Hard Rock CafeHard Rock Cafe
  • The WestinThe Westin
  • Planet HollywoodPlanet Hollywood
  • Yosemite National ParkYosemite National Park
  • Caesars PalaceCaesars Palace
An ACFN ATM carrying the ACFN logo

We are the ATM provider of choice

for many of the most recognized brands

  • The Ritz-Carlton
  • Marriott
  • Mandarin Oriental
  • Loews Hotels & Resorts
  • DoubleTree by Hilton
  • Four Seasons Hotels and Resorts
  • InterContinental Hotels Group
  • Hilton Hotels & Resorts
  • Hyatt
  • Westin Hotels & Resorts
  • Hard Rock Cafe
  • Carlson Rezidor Hotel Group
  • Omni Hotels & Resorts
  • Caesars Palace Las Vegas
  • Yosemite National Park
  • ShopRite
  • Planet Hollywood Resort & Casino Las Vegas
  • Flamingo Las Vegas
  • Simon Malls | Premium Outlets
  • GGP Malls, Brookfield Properties
  • Sheraton
  • Holiday Inn
  • Crowne Plaza
  • Harrah's

Largest ATM Provider to Hotels in the U.S.

ACFN serves over 1,700 properties and is the exclusive endorsed ATM provider for some of the most recognized hotel brands in the country.

1,700+Properties served
46States served
An ACFN machine in the crowded marble lobby of a five-star hotel
One of the 1,700+ hotel properties ACFN serves
#1Hotel ATM Provider in US
2,500+ATMs Deployed
188Active Franchises
$5,948,098,620Dispensed to Date
Entrepreneur Franchise 500Inc. Magazine FeaturedFranchise Times RecognizedMilitary Times Best Franchise for VetsAllBusiness.com Top Opportunity23+ Years in Business$5 Billion+ Dispensed
Check My Area →

Prefer to talk? Call us at (888) 444-ACFN (2236)

An overwater-villa lagoon at the Four Seasons Resort Bora Bora
Four Seasons
The ocean lawn of The Ritz-Carlton, Laguna Niguel, above the Pacific
The Ritz-Carlton
El Capitan, Half Dome and Bridalveil Fall from Tunnel View, Yosemite
Yosemite National Park
Caesars Palace, Las Vegas, lit at dusk
Caesars Palace
The Hilton Hawaiian Village towers over the lagoon, Waikiki
Hilton
The Westin sign set in a lava-rock waterfall at Ka’anapali, Maui
The Westin
The neon guitar of the Hard Rock Cafe on the Las Vegas Strip
Hard Rock Cafe
Planet Hollywood Resort & Casino, Las Vegas, at night
Planet Hollywood

About ACFN

National Network, Local Ownership.

We Secure Premium Locations In Your Area. You Service Them Just A Few Hours A Week.

For 23 years, ACFN has been deploying ATMs, dispensing more than $6 billion to date. Today, 188 ACFN franchisees have discovered a simpler way to own and grow a business, one that requires just a few hours a week and can scale without adding employees or costly marketing.

The ACFN business model has earned national recognition, with Entrepreneur magazine ranking ACFN among its Top Part-Time, Top Low-Cost, and Fastest-Growing Franchises, Military Times ranking ACFN among its Best for Vets franchises, and ACFN earning a place on the Inc. 5000 for seven consecutive years.

A proven business model. Built around you.

The ACFN Difference

Our corporate office does all the back-office work for our franchises, including sales & marketing.

This is how you grow your business,
whether you are building your own or purchasing an existing franchise and looking to expand

  1. 1

    ACFN pre-qualifies locations

    Market Research Department finds locations in your area based on our proven criteria and sends them to you.

  2. 2

    ACFN secures the contracts

    Once you approve them, our marketing team obtain the contracts to these locations.

  3. 3

    You own & operate your ATM route

    You visit each ATM for a few minutes every week.

For existing ATM routes in your area call: 888/444-ACFN (2236)

Why Choose ACFN

Built for people who value freedom and residual income.

No selling. No overhead. No employees. Just ATMs working for you around the clock.

A banded stack of twenty dollar bills

Residual income

Earn a surcharge on every transaction. The machines generate income 24/7, even while you sleep.

A franchisee checking his watch after a few minutes of service on an ACFN machine

Part-time hours

Each ATM needs about five minutes of service per week. Run the whole business in your spare time.

A woman working comfortably from the sofa at home

Home-based

No office, no lease. Manage everything on your smartphone or computer on your own schedule.

Three ACFN machines standing together

Scalable

No cap on ATMs. Grow at whatever pace suits your life and finances.

An ACFN support specialist on a call with a franchisee in the corporate office

Expert support

Expert support including tech support, accounting, route management and capital allocation.

A veteran at a memorial ceremony holding a flag

Veterans and First Responders Discount

$1,000 discount for our Vets and First Responders

Military Times recognized ACFN as one of the best franchises for veterans.

How It Works

Up and running in no time. Four simple steps.

  1. 1

    Join ACFN and become a Franchisee.

    A new franchisee shaking hands with an ACFN executive under the ACFN emblem
  2. 2

    Take over a route or start your own with our expert help.

    An ACFN field trainer going over a route plan with a franchisee beside an Aloft Hotels ATM
  3. 3

    Start earning income as soon as your ATMs are up and running.

    A hotel guest taking cash from a Hotel Drover ATM
  4. 4

    Grow at your own pace and increase your income.

    A franchisee reviewing his growing income at home

For existing ATM routes in your area call: 888/444-ACFN (2236)

Ready to build your ATM business?

Check what is available in your area. Takes less than a minute.

Check My Area →

Prefer to talk? Call us at (888) 444-ACFN (2236)

ACFN Unique ATM Designs

An ACFN machine in dark wood with a stone base, finished for a Four Seasons property
An ACFN machine in brushed steel, finished for an aloft hotel
An ACFN machine wrapped in brick tones for Hotel Drover
An ACFN machine finished in polished mahogany
An ACFN machine wrapped in yellow for a Love's travel stop
An ACFN machine wrapped for a Shell forecourt
An ACFN machine wrapped in red for a Market Basket supermarket
An ACFN machine wrapped for a ShopRite supermarket
An ACFN machine wrapped for a Santikos cinema
An ACFN machine wrapped for a Rainforest Cafe
An ACFN machine wrapped with a night cityscape for Forest City
An ACFN machine wrapped with an archive photograph

New Products

New Business Opportunities

For locations interested in a fully automated cash management system ACFN has the solution

AFS: Automated Financial Solutions
The ACFN branded AFS machine: ATM, reverse ATM and bill breaker in one cabinet

Three services in one machine.

  1. 01

    Reverse ATM—cash to card

    Convert customers' cash into a prepaid card for cashless purchases.

  2. 02

    Bill break / change machine

    Automate change-making without staff involvement.

  3. 03

    ATM functionality

    Onsite cash access and a consistent withdrawal revenue stream.

Cannabis Dispensaries: A Billion-Dollar Industry.

The cannabis industry is growing and is conducted mainly in cash. ACFN is positioned to capitalize.

$30.5 Billion
Projected U.S. legal cannabis sales in 2026
39 States + D.C.
Have legalized medical and/or recreational cannabis
$43 Billion+
Projected annual legal cannabis sales by 2030

Why is this an exciting opportunity for ACFN franchisees?

Unlike traditional retailers, cannabis dispensaries face significant credit card processing restrictions, making convenient ATM access an important business necessity. For ACFN and its franchisees, this creates an attractive opportunity to serve a growing retail sector with:

  • Recurring revenue potential from customer cash withdrawals.
  • Strong demand for on-site ATMs driven by payment restrictions.
  • Expansion opportunities through dispensary chains and new retail locations.
  • A specialized market where reliable ATM services provide real value.

ACFN isn’t just entering a new market. It’s bringing an essential service to a multibillion-dollar industry.

Explore the opportunity to grow with ACFN.

Ready to build your ATM business?

Check what is available in your area. Takes less than a minute.

Check My Area →

Prefer to talk? Call us at (888) 444-ACFN (2236)

Success Stories

Real people. Real income.

ACFN and I were able to secure the contract at the largest mall in the country in suburban Minneapolis. I am nearly 10 years into my ATM business, and I am having one of my best years ever.

I am nearly 10 years into my ATM business, and I am having one of my best years ever. ACFN and I were able to secure the contract at the largest mall in the country in suburban Minneapolis. The contract involves 17 ATMs in the mall, amusement park and bars/restaurants.

Over the years, I had dropped off multiple brochures including one in 2023 and ultimately we were able to displace Cardtronics, owned by NCR, the largest ATM provider in the world.

In addition, Minnesota has recently legalized cannabis dispensaries, so there are new dispensaries opening regularly in the Minneapolis-St. Paul area and rural Minnesota. I am focusing on newly licensed locations, and have secured two dispensaries. Both are doing great business, and are already among my most profitable locations. There are several other dispensaries that we are in discussion with, and I am quite hopeful I will have at least another couple of locations operating by the end of the year.

ACFN also helped me place ATMs into some hotels over the past year and a half and as a result of this new business, I’ve placed 18 machines in 2025 and 4 so far in 2026.

As you can see, in 2026 and 2027, we still have opportunities to secure new, profitable locations. Scour your local market to find potentially profitable locations, and work with the ACFN marketing team to strategize your approach.

Corporate opens doors on one end, franchisees open them on the other.

I've been an ACFN franchisee since March of 2009, and I currently operate 72 locations across the Northeast. Twenty-nine of those are supermarkets: 13 installed in 2024, 4 in 2025, and 8 so far in 2026, including a ShopRite going in this month for a customer who liked our service enough to bring us their new store.

Grocery was new territory for me; I had largely ignored this segment of the market my first decade operating my franchise until Jim approached me about installing a few ShopRite locations through a corporate deal that had been inked. Most supermarkets don't do huge numbers per machine. Mine tend to run in the 125 to 225 transaction range, but the consistency is what makes them work.

The terms help as much as the consistency does. ACFN negotiated a revert to $0 tier on these stores, so when volume falls below the minimum there's no revenue share paid to the location on that first tier. That's the difference between a lower volume store being marginal and being worthwhile. Deals like this one are not something I could have put together on my own, and the ACFN team deserves credit for landing it.

Hotels spike on weekends and big events, then go quiet early in the week, and up here the post-Christmas lull is very real. Supermarkets are steady. Over the past year my supermarket revenue moved less than 4% month to month while my hotels swung more than four times that. Supermarkets are now about a third of my locations and closer to 40% of my revenue, which I expect to push past 45% once the most recent group of 6 stores finishes being installed.

Lastly, I had almost nothing to do with landing them beyond performing some drops at stores in my area and a willingness to try something new. These deals come together in ways most of us franchisees never see. Corporate opens doors on one end, franchisees open them on the other. Jim and the sales team did that work via phone and email while I was out in the field servicing machines, and it's still paying dividends years later. That partnership is the real engine behind my growth.

All locations are performing extremely well and above expectations.

I am an ACFN franchisee located in the Dallas, Texas area. I have been blessed to join ACFN in 2019 and I currently have a total of 14 Argos and GenMega ATMs.

Thanks to the dedicated and professional support of Jim Diltz, Rachele Cuevas, and Roxane LaChance I just recently programmed and installed (3) three ATMs within a 30 day time span. The 1st and 2nd installations, we were able to secure the ATM agreements by presenting our superior program and providing supporting documents identifying “No Cost” to your organization, Monthly Revenue commission checks, Established Company started in 1996, (30 years of experience), servicing thousands of ATMs, High Quality Machine, and Local Customer Service. These two were both high quality hotels with one being a Westin by Marriott and the other a DoubleTree by Hilton. The Westin had a national competitor servicing them until the Marking department was able to obtain the contract.

The 3rd installation, a privately held real estate, entertainment, and hospitality company with many locations throughout the country was initially very hesitant in changing from their long term ATM service provider. We were ultimately able to convince them that no other ATM company matches ACFN’s level of expertise and dedication. Jim Diltz’s team and I offered to place a no cost or obligation trial ACFN Argo ATM at their Dallas location to demonstrate ACFN’s performance is beyond comparison. Additionally, we offered placing no cost advertisements on the ATM screen to promote their location and special offers. It’s been 2 months so far and the location is highly impressed and may be assessing a potential corporate agreement with ACFN for all their locations.

All locations are performing extremely well and above expectations. I encourage everyone to engage with the ACFN marketing team for the advancement of your portfolio.

It provided me the freedom and flexibility to be around when my kids were young.

I wanted to take a moment out of my day to tell you that as I am in the final stages of transitioning out of my ACFN business that I’m leaving with some sadness and fond memories.

At the end of the day this is just business, but this business has accounted for nearly 22 years of my life. Starting with ACFN in 2005 and one of the very early franchisees it has been a part of my life for over two decades and a large portion of my adult life. It provided me the freedom and flexibility to be around when my kids were young. It kept me off of planes and out of hotels as a corporate business traveler. I loved what my business provided to me and my family and am sincerely thankful to have been a part of it. I’ll be happy to get some of my time back, but there will be a bit of a hole in my schedule and fondness in my heart every time I pass an ATM machine.

Thank you ACFN for your many years of service and support doing something I’ve truly enjoyed.

Trusted by Our Partners

Powerful Partnerships. Powerful Endorsements.

Discover why leading hotels and venues choose ACFN and stand behind their choice

From day 1 ACFN has been a phenomenal partner to Brookfield. With over 75+ locations throughout our portfolio, we are continually impressed with their level of responsiveness and flexibility. They don't just meet the terms of our contract but exceed them. It's especially important to note that in the rare instance there has been an issue, the ACFN team is not only prompt in having it addressed but actively look for a solution that would avoid further concerns in the future. Beyond that, they're just a pleasure to work with both personally and professionally which makes any renewal discussions, new business expansions, etc. a breeze.
Delaney CluttsBrookfield Properties
ACFN has proven to be an exceptional company that provides nothing but the best service for their customers. We have worked with other large companies who claim to have a good track record when a complaint is brought forth, but none of these companies have met the quality of standard that ACFN has to offer. Jim Diltz and crew’s ability to coordinate an installation or a service call is phenomenal. We have 7 hotels and all installations and service calls have been satisfied in a timely manner. We definitely hope to establish a lengthy partnership with ACFN. These people just do everything right and make it look so easy.
Dennis VillegasRosen Hotels & Resorts
Our hotel made the decision to switch ATM providers to ACFN a year ago and the difference has truly been profound. Our previous company was also a nationally reputable provider however the exceptional service and increased value consistently delivered by ACFN made us realize that we should have made the move long before. Our local account manager takes care of everything and ensures our guests always have access to the cash they need. I highly recommend ACFN for any business considering adding ATM service or looking to maximize their ATM revenue.
Brian WachterGrand Hyatt Atlanta in Buckhead
Fairmont San Francisco would confidently recommend ACFN’s services. Their level of service, responsiveness, and reporting consistently meet the standards and requirements of our hotel. They have proven to be a reliable and professional partner, providing the level of support and accountability we expect.
Rina WallachRegional Director - Procurement
We are very pleased with ACFN’s reliability and dependability. Whenever needed over the years, their local rep has visited promptly (even on weekends and holidays) to service the equipment or just to answer a guest question. I trust ACFN to do the right thing even when it might be inconvenient.
Blake BurnhamDestination Hotels
ACFN was fast and professional from processing our contract to installation. They exceeded my expectations with their customer service and caring attitude.
Cathy YanasDirector of Finance, Hilton San Antonio Airport
I can say with confidence that they (ACFN) have proven to be an excellent supplier of ATM services to IHG. They currently are in over 300 locations and growing every month. The revenue sharing plan we have with them is the best I have seen in the industry and their service levels and up time are without equal.
Rick BurnsIHG (InterContinental Hotel Group)
I just want to thank you for the ease of installation of our new ATM machine by ACFN. It went very smooth. Your install team was prompt and efficient. I liked how they were willing to discuss the different locations for our machine. I also want to thank you for the quick and responsive service that we have encountered.
Garry DickoverGM – Candlewood Suites-Las Vegas
ACFN delivers what it promises! It is great not to have to worry about the ATM running out of cash or malfunctioning. ACFN’s service and professionalism would be an asset for any business.
Gary WolfWestin Los Angeles Bonaventure
I no longer have any worries or concerns about the ATM. When I managed my own ATM it was a time robber and a nuisance all the time. Now the new modern machine creates no drama, causes no complaints, and best of all, I make a commission. Thanks ACFN.
Fred RotermundHoliday Inn Memphis Airport
ACFN and Atrium Hospitality entered into an agreement to change out our ATM equipment in 85 locations spread throughout the country in February 2016. It was necessary to track down any existing agreements with other providers and work through cancellations and arrange installation dates. With Jim Diltz’ assistance this complex process went very smoothly. Our commission program pace has more than doubled relative to our previous ATM provider. The equipment is modern. The ATMs have operated problem free and cash stocking has been kept current. Our senior management is very pleased with the progress that this vendor change out has brought to our company. I would strongly recommend ACFN for hotels of any geographic distribution or variety of brand mix.
Russ SmithAtrium Hospitality
In 2015 we contracted with ACFN to develop an ATM solution for a retail center including two hotels and seven bars and restaurants. ACFN surveyed the property, developed alternatives and implemented a solution ensuring coverage, security and state of the art equipment meeting the needs of all guests. ACFN is responsive, flexible and thorough in providing trusted ATM solutions.
Eric HautzenraderStonebridge Companies
Over the past 9 years ACFN has managed tens of thousands of error free transactions for our guests. We have found ACFN to be responsible, alert and completely trustworthy. They do exactly as they promise!
Louis BenéHilton Garden Inn Denver Convention Center (Stonebridge Companies)
This is a newly built property and we cannot be more pleased with our decision to have ACFN provide ATM service. Moreover, I am very pleased with our local rep’s performance.
Dave MilitoDrury Inn & Suites Stapleton (Drury Hotels, LLC)
ACFN is a trusted expert who provides worry free ATM services. We count upon ACFN to manage and handle all aspects of our ATM services and our guests enjoy having secure access to cash. ACFN is great to work with and highly recommended.
Jamie BrownHyatt Place Denver Cherry Creek (Island Hospitality Management Inc.)
Recently our hotel underwent extensive renovations and ACFN was both proactive and accommodating in relocating equipment and making several changes to operations ensuring continual service for our guests. Following the renovation they installed new equipment and color matched a custom wooden ATM cabinet with our new décor. Our local rep takes care of all of the details and can be counted upon as a loyal, trusted business partner.
Coral BachuszEmbassy Suites Denver Southeast (Spire Hospitality)
ACFN is professional, trustworthy and provides excellent customer service. We count on ACFN to manage and handle all aspects of our ATM services and they always ensure that our guests have continuous, convenient access to cash.
Jodie Martin-WittCourtyard Denver Stapleton (Marriott International)
In regards to ACFN, I have nothing but praise. The signing of the contract went very smooth. Then ACFN followed up with immediate communication on installation. All transactions have gone smoothly to date. We are excited to know that our profit margin has increased by 31%! Not to mention the beautiful cabinetry that has just enhanced the historic feel of our lobby. Thank you for all involved in creating a positive experience thus far.
Patricia SantiagoThe Historic Menger Hotel
ACFN has been an outstanding partner with ATM Placement and Service with Tower Energy Group over a number of satisfied years. We recently signed a new contract after researching numerous options due to the financial terms and level of commitment to Tower.
Nick BattagliaTower Mart

As seen in

Common Questions

Everything you want to know.

Do I need business or ATM experience?

No experience is required. ACFN's training program and ongoing support will teach you everything. Our team helps you succeed in every step of building and operating your franchise.

How soon can I start generating income?

You can start earning as soon as you take over your ATMs or install your first one.

How many ATMs can I own?

There is no limit. The business is designed to scale. Grow from one ATM to a large portfolio. Many franchisees own dozens of machines.

How much time does it take each week?

Each ATM requires approximately five minutes of service per week. The business is designed to be operated part-time without interfering with your primary income or lifestyle.

Do I need to hire employees?

No. ACFN is a home-based operation. There's no need to hire staff. Your partner or spouse can be trained at no additional cost.

How long is the franchise agreement?

The franchise agreement is for 10 years with the option to renew. The renewal fee is $10,000 for the next 10 years. ACFN also offers in-house financing to help cover the franchise fee.

A couple at home going over the numbers together

Get Started Today

Ready to build your ATM business?

Check what is available in your area. Takes less than a minute.

Prefer to talk? Call us at (888) 444-ACFN (2236)

Newsletters

News from the home front.

Where machines are going in, what the numbers look like, and what franchisees are learning in the field. Written by the ACFN team.

We send one issue a month. Your address stays with ACFN, and every issue carries a one-click unsubscribe.

One issue a monthSee past issues →

September 2026 issueThe Results Are There - The Opportunity Is YoursThree franchisees on the locations they landed this year: the largest mall in the country, three machines in thirty days in Dallas, and twenty-nine supermarkets across the Northeast.Read the issue