Today, ATM Link operates a nationwide network of more than 6,200 ATMs across 43 states.
As we celebrate 27 years in business, it is worth reflecting on how this journey began, and the principles that shaped every stage of growth.
Because ATM Link was never built overnight. It was built one location, one relationship, and one decision at a time.
It Started With Four Gas Stations
Before ATM Link existed, founder Minhas Vellani owned and operated four gas stations in the mid-1990s.
When ATM deregulation opened the industry in 1996, independent ATM providers began approaching retail owners with a new opportunity: place ATMs inside stores and share in the transaction revenue.
Like many business owners at the time, he agreed to install a few machines.
What stood out was immediate.
Each ATM began generating an additional $300 to $500 per month per location, creating a new, stable income stream with minimal disruption to operations.
At the time, the independent ATM industry was still emerging. Most retailers had not yet recognized the long-term opportunity.
But Minhas Vellani saw the potential early.
That insight became the foundation of what would later become ATM Link.
In 1999, ATM Link was officially launched.
A Company Built on Principles, Not Shortcuts
From the beginning, ATM Link followed a simple philosophy:
Do the right thing. Be consistent. Build trust over time.
There were no outside investors. No rapid expansion strategy. No shortcuts.
Instead, the company focused on:
- Treating partners fairly
- Delivering consistent service
- Honoring every commitment
- Building long-term relationships
In the ATM industry, trust is everything. Each location represents not just a machine, but a partnership with a business owner who relies on performance and reliability.
That understanding shaped the company’s foundation.
Growing One Location at a Time
ATM Link did not scale through acquisitions or aggressive expansion.
It grew organically.
One successful installation led to another.
Then another.
Business owners saw value in the service, and referrals began to drive expansion.
Over time, ATM Link expanded beyond gas stations and convenience stores into:
- Hotels
- Casinos
- High-traffic retail environments
Despite this growth, the approach never changed.
Consistency. Reliability. Long-term value.
Scaling Without Losing the Core
As companies grow, they often lose the simplicity they started with.
Processes become complex. Decisions become distant. Relationships become transactional.
ATM Link made a deliberate effort to avoid that path.
Even as the company expanded across the United States, the focus remained on controlled, sustainable growth—not growth for its own sake.
Today, ATM Link operates in 43 states with more than 6,200 ATMs, but the mindset remains unchanged from day one.
- Stay transparent
- Stay consistent
- Build long-term partnerships
- Continuously improve
Supporting Retailers Across the Country
For business owners, an ATM is more than financial infrastructure.
It is:
- A source of recurring monthly revenue
- A driver of customer foot traffic
- A convenience that enhances experience
- A tool that strengthens retention
For 27 years, ATM Link has helped retailers unlock these benefits while ensuring reliable service and operational support.
The mission has remained simple:
Help businesses grow while improving access to cash for their customers.
27 Years Later: Looking Ahead
The payments industry continues to evolve.
Digital payments are expanding rapidly. Consumer behavior is shifting. Technology is advancing at a faster pace than ever before.
But one reality has not changed:
People still rely on access to cash.
As ATM Link moves forward into its next chapter, the focus remains exactly where it has always been:
Build responsibly. Grow sustainably. Strengthen every partnership.
From four gas stations to a nationwide network of more than 6,200 ATMs, the scale has changed dramatically.
But the principle has not.
Growth means nothing without trust behind it.