The money question

What a store actually earns per transaction

Store owners ask this first and everyone else answers it last. Here is the arithmetic, out in the open: how crypto revenue is calculated, what it looks like at five realistic order sizes, and how it compares with the products already on your counter.

Talk to our retail team Store sign in

Percentage of the order, not a flat fee
No equipment cost to earn back
No monthly platform fee
Illustrative figures — your rate is in your agreement

A clerk serving a customer at a store cash counter

$500.00

A single order — and what the store keeps

Customer pays$500.00
Illustrative share1% – 3%

How the revenue is calculated

Crypto is sold at a percentage of the order value. Anytime Capital quotes the customer a rate, the customer accepts it, and the store that placed the order receives a share of that revenue. The share is set in your agent agreement, so this page cannot tell you your exact number. What it can show you is the shape of the arithmetic. That is what decides whether the product is worth your counter space.

The important structural point is that the store's revenue moves with the size of the order. That is unusual on a check cashing counter, where most non-check products earn a flat fee regardless of ticket. A money order pays the same on a $50 order and a $900 order. A crypto sale does not.

The figures below are worked examples at an illustrative 1% to 3% share. They are arithmetic, not projections, and Anytime Capital does not promise any level of income to any store.

The arithmetic

What a single transaction is worth to the store

You keep a share of every order. Bigger order, bigger share. The examples below use 1% to 3% — your own rate is in your agreement.

Illustrative store revenue by order size at a 1% to 3% revenue share
At the counter	Order size	Store keeps (low)	Store keeps (high)
A customer cashes a check and puts part of it into Bitcoin	$200	$2.00	$6.00
A regular buys USDT to send to family overseas	$500	$5.00	$15.00
A customer sells crypto and takes the cash	$1,000	$10.00	$30.00
A small business owner buys on payday, every other week	$2,500	$25.00	$75.00
One larger order, the kind an ATM's daily cap refuses	$10,000	$100.00	$300.00

The figures above are worked examples, not projected or guaranteed earnings. They show how the arithmetic works on a given order size at an illustrative revenue-share range. Your actual rate is set in your agent agreement, and what any individual store earns depends on its foot traffic, its neighbourhood, its hours and how many customers it serves. Anytime Capital does not promise any level of income.

A money order earns you cents. A wire earns a flat fee, however big it is. This does not.
No monthly fee. No minimum. Nothing to buy back before the first dollar is yours.
Your customer pays our normal published price. Your share does not change it.

Against the rest of your counter

How crypto revenue behaves compared with what you already sell

The question is not whether crypto pays more per transaction in the abstract. It is how the revenue behaves as the ticket size changes — which is where flat-fee products stop keeping up.

Criterion	Crypto order	Money order	Bill payment	Domestic wire
How the store's revenue is set	A share of a percentage-priced order	A small flat fee	A flat fee, often fixed by the biller	A flat commission
Does revenue grow with the ticket?	Yes — directly	No	No	No
Capped by a state fee schedule?	No	Often	Often	Varies
Customer arrives already wanting it	Usually — they have seen the kiosks	Yes	Yes	Yes
Equipment the store must fund	None	Stock and printer	Terminal	Terminal
Repeat frequency	Payday, and the 1st and 15th	Occasional	Monthly	Occasional

The Anytime Capital branch storefront in Atlanta — A real branch, not a kiosk

The seating area and service counter inside an Anytime Capital branch — Staffed, in person

Anytime Capital runs its own branches in Atlanta and Miami. Partner stores run the same counter service.

Why a single $500 order beats a morning of money orders

Run the two side by side. On an illustrative 2% share, one $500 crypto order returns about ten dollars to the store. To match that on money orders at typical margins a cashier would need to write a great many of them, each with its own queue time, its own stock and its own paperwork.

That is not an argument for dropping money orders. It is an argument about what the marginal minute of counter time is worth. Both transactions take roughly the same amount of your cashier's attention; one of them scales with the customer's wallet and the other does not.

It also explains why crypto volume tends to concentrate. A handful of regulars placing larger orders on payday will, in most stores, out-earn a much larger number of small one-off transactions.

What determines the number for your store

Three variables do most of the work. The first is foot traffic — how many people cross your counter in a week. The second is average ticket, which is largely a function of your neighbourhood and whether your customers are buying with pocket money or with a cashed paycheck. The third is repeat rate, which is the one stores control most directly: a customer who is verified once and served well comes back on the next payday.

What does not determine it is how much crypto your staff know, how prominent your signage is, or whether you have a machine. Stores that do well at this do well because their regulars found out they can do it, told each other, and came back.

Everything else — no equipment cost, no monthly fee, no inventory, no float — matters mainly because it means there is no break-even to reach. The first order is profitable.

Read the detail(1 section)

How to think about it against a kiosk placement

A Bitcoin ATM placement pays a store a share of the machine's fees. Whether that beats a counter service depends on volume and on the terms in the placement agreement, and there are sites where a machine genuinely makes sense — a 24-hour location with space to spare and staff who do not want to be involved.

But the comparison is not just revenue per transaction. A kiosk brings a footprint, a power draw, a landlord conversation, a service call when it jams, daily limits that turn away your largest customers, and a customer experience your staff cannot influence when it goes wrong. A counter service brings none of those, and it lets every employee on shift serve a crypto customer at once instead of queueing them at one box in the corner.

The comparison page sets the two arrangements out line by line if you are weighing an offer that is already on your desk.

Once the numbers make sense

The two things store owners check before they say yes.

The counter flow

Exactly what your cashier does, step by step.

Licensing and compliance

Who carries the MSB registration and what the store is responsible for.

Versus a Bitcoin ATM

If a kiosk operator has already made you an offer.

For money transfer agents

The same decision you made about Western Union.

Frequently Asked Questions

What is the actual revenue share?

It is set in your agent agreement, because it varies with market, volume and the services a location offers. This page uses an illustrative 1% to 3% band to show how the arithmetic behaves. Ask the retail team for the number that would apply to your store.

Does the store's share change what my customer pays?

No. Customers pay Anytime Capital's published rates, which are set out on the fees and limits page. Your cashier shows the customer the quote before the order is placed.

Are there fees the store pays?

There is no platform fee charged to the store and no equipment to buy or lease. If any market-specific charges apply, they are stated in the agent agreement rather than hidden in a schedule.

How is the store paid?

The revenue share is recorded against each order and settled on the schedule in your agreement. It appears in your store reporting, so you can reconcile it order by order rather than trusting a monthly total.

Is there a minimum volume to stay in the program?

Any minimums that apply to a particular market are set out in the agent agreement. There is no equipment cost to recover, so a low-volume month does not put a store in the red.

How much do Bitcoin ATM hosts make by comparison?

Kiosk placement terms are private, vary by operator and site, and are usually a share of the machine's fee revenue. We are not going to publish someone else's commercial terms. What we can say is what the two arrangements ask of the store, which the comparison page sets out line by line.

Can you guarantee what my store will earn?

No, and you should be wary of anyone who does. Earnings depend on your foot traffic, your neighbourhood, your hours and how many customers you serve. Everything on this page is arithmetic you can check, not a projection.

Run the numbers against your own Friday

Tell us your foot traffic and your neighbourhood and we will work through what the product realistically looks like at your counter.

Talk to our retail team Store sign in

The money question

What a store actually earns per transaction

Talk to our retail team Store sign in

Percentage of the order, not a flat fee
No equipment cost to earn back
No monthly platform fee
Illustrative figures — your rate is in your agreement

$500.00

A single order — and what the store keeps

Customer pays$500.00
Illustrative share1% – 3%

How the revenue is calculated

The figures below are worked examples at an illustrative 1% to 3% share. They are arithmetic, not projections, and Anytime Capital does not promise any level of income to any store.

The arithmetic

What a single transaction is worth to the store

You keep a share of every order. Bigger order, bigger share. The examples below use 1% to 3% — your own rate is in your agreement.

Illustrative store revenue by order size at a 1% to 3% revenue share
At the counter	Order size	Store keeps (low)	Store keeps (high)
A customer cashes a check and puts part of it into Bitcoin	$200	$2.00	$6.00
A regular buys USDT to send to family overseas	$500	$5.00	$15.00
A customer sells crypto and takes the cash	$1,000	$10.00	$30.00
A small business owner buys on payday, every other week	$2,500	$25.00	$75.00
One larger order, the kind an ATM's daily cap refuses	$10,000	$100.00	$300.00

A money order earns you cents. A wire earns a flat fee, however big it is. This does not.
No monthly fee. No minimum. Nothing to buy back before the first dollar is yours.
Your customer pays our normal published price. Your share does not change it.

Against the rest of your counter

How crypto revenue behaves compared with what you already sell

The question is not whether crypto pays more per transaction in the abstract. It is how the revenue behaves as the ticket size changes — which is where flat-fee products stop keeping up.

Criterion	Crypto order	Money order	Bill payment	Domestic wire
How the store's revenue is set	A share of a percentage-priced order	A small flat fee	A flat fee, often fixed by the biller	A flat commission
Does revenue grow with the ticket?	Yes — directly	No	No	No
Capped by a state fee schedule?	No	Often	Often	Varies
Customer arrives already wanting it	Usually — they have seen the kiosks	Yes	Yes	Yes
Equipment the store must fund	None	Stock and printer	Terminal	Terminal
Repeat frequency	Payday, and the 1st and 15th	Occasional	Monthly	Occasional

Anytime Capital runs its own branches in Atlanta and Miami. Partner stores run the same counter service.

Why a single $500 order beats a morning of money orders

It also explains why crypto volume tends to concentrate. A handful of regulars placing larger orders on payday will, in most stores, out-earn a much larger number of small one-off transactions.

What determines the number for your store

Everything else — no equipment cost, no monthly fee, no inventory, no float — matters mainly because it means there is no break-even to reach. The first order is profitable.

Read the detail(1 section)

How to think about it against a kiosk placement

The comparison page sets the two arrangements out line by line if you are weighing an offer that is already on your desk.

Once the numbers make sense

The two things store owners check before they say yes.

The counter flow

Exactly what your cashier does, step by step.

Licensing and compliance

Who carries the MSB registration and what the store is responsible for.

Versus a Bitcoin ATM

If a kiosk operator has already made you an offer.

For money transfer agents

The same decision you made about Western Union.

Frequently Asked Questions

What is the actual revenue share?

Does the store's share change what my customer pays?

No. Customers pay Anytime Capital's published rates, which are set out on the fees and limits page. Your cashier shows the customer the quote before the order is placed.

Are there fees the store pays?

There is no platform fee charged to the store and no equipment to buy or lease. If any market-specific charges apply, they are stated in the agent agreement rather than hidden in a schedule.

How is the store paid?

Is there a minimum volume to stay in the program?

Any minimums that apply to a particular market are set out in the agent agreement. There is no equipment cost to recover, so a low-volume month does not put a store in the red.

How much do Bitcoin ATM hosts make by comparison?

Can you guarantee what my store will earn?

Run the numbers against your own Friday

Tell us your foot traffic and your neighbourhood and we will work through what the product realistically looks like at your counter.

Talk to our retail team Store sign in