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.
$500.00
A single order — and what the store keeps
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 the store's agent agreement, so this page cannot tell you your exact number — but it can show you the shape of the arithmetic, which is what actually determines 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
Crypto is priced as a percentage of the order, so the revenue scales with the ticket rather than with the number of items you sold. These are worked examples at an illustrative 1% to 3% revenue share — check your agent agreement for your own rate.
| 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.
Against the rest of your counter
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 |
Typical time to serve a customer
Equipment to buy or lease
Assets your customers can buy
US-based support for your staff
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.
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.
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.
Next
The two things store owners check before they say yes.
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.
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.
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.
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.
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.
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.
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.
Elsewhere in the programme
The same programme, answered for a different question, store format or market.
Tell us your foot traffic and your neighbourhood and we will work through what the product realistically looks like at your counter.