Franopolis
    AvsPB

    Franchise opportunities compared

    Atm vs Padgett Business Services

    Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.

    AAtm2024 FDDPBPadgett Business Services2026 FDD

    Initial investment · Item 7

    Atm

    $37,838 – $59,921

    2024 FDD · Item 7 · PDF p. 20

    Padgett Business Services

    $8,700 – $117,295

    2026 FDD · Item 7

    Initial franchise fee · Item 5

    Atm

    Not available

    Padgett Business Services

    Not available

    Royalty · Item 6

    Atm

    Not available

    Padgett Business Services

    9%

    2026 FDD · Item 6 · PDF p. 9

    Before you compare

    • Atm figures come from its 2024 FDD and Padgett Business Services figures from its 2026 FDD, so the years differ.
    • Padgett Business Services discloses more than one business format, so the investment range spans formats; the full report breaks them out.
    • Item 19 figures cover the location groups each FDD names (Atm: 42, Padgett Business Services: 26). Different groups are not directly comparable.

    Financial commitment

    Estimated initial investment (Item 7)

    Atm

    $37,838 – $59,921
    Total estimated initial investment: $37,838 - $59,921
    2024 FDD · Item 7 · PDF p. 20

    Padgett Business Services

    $8,700 – $117,295
    2026 FDD · Item 7
    Standard initial franchise fee (Item 5)

    Atm

    Not available
    No single standard fee identified

    Padgett Business Services

    Not available
    No single standard fee identified
    Royalty (Item 6)

    Atm

    Not available
    No reviewed royalty record

    Padgett Business Services

    9%
    Royalty — conversion: 9%; timely payments 5% first year, 6.5% second year; minimum after 24 months
    2026 FDD · Item 6 · PDF p. 9
    Brand / advertising fund (Item 6)

    Atm

    1%
    Regional/National Brand Fee: 1% of Net Revenue; may be increased up to 1% of Gross Revenue — 1%
    2024 FDD · Item 6 · PDF p. 12

    Padgett Business Services

    2%
    Advertising fund — up to 2%; fund not yet established — 2%
    2026 FDD · Item 6 · PDF p. 10

    System scale & health

    Total outlets (Item 20)

    Atm

    233
    Outlets at end of 2024
    2024 FDD · Item 20 · PDF p. 49

    Padgett Business Services

    164
    Outlets at end of 2025
    2026 FDD · Item 20 · PDF p. 36
    Net outlet change (Item 20)

    Atm

    +6
    Calculated: 227 at end of 2022 → 233 at end of 2024

    Padgett Business Services

    −1
    Calculated: 165 at end of 2023 → 164 at end of 2025
    Outlet exits (Item 20)

    Atm

    Not available
    No complete exit records for a year

    Padgett Business Services

    Not available
    No complete exit records for a year
    Franchising since (Item 1)

    Atm

    Not available
    Not in reviewed records

    Padgett Business Services

    Not available
    Not in reviewed records
    Franchisor founded (Item 1)

    Atm

    Not available
    Not in reviewed records

    Padgett Business Services

    Not available
    Not in reviewed records

    Financial performance (Item 19), by location group

    AAtm
    Locations counted not stated in the reviewed record — Modeled ACFN franchisee scenario operating one ATM at 1 surcharge transaction p…
    $7,125
    other Projected ACFN franchisee scenario: 1 ATM, 1 surcharge transaction per day per ATM; 10-year total: $7,125
    2024 FDD · Item 19 · PDF p. 45
    Locations counted not stated in the reviewed record — Modeled ACFN franchisee scenario operating one ATM at 2 surcharge transactions…
    1 ATMs
    other Projected ACFN franchisee scenario: 1 ATM, 2 surcharge transactions per day per ATM; ATMs in modeled network: 1
    2024 FDD · Item 19 · PDF p. 45
    Locations counted not stated in the reviewed record — Modeled ACFN franchisee scenario operating one ATM at 3 surcharge transactions…
    3 transactions/day/network
    other Projected ACFN franchisee scenario: 1 ATM, 3 surcharge transactions per day per ATM; Total surcharge transactions per day: 3
    2024 FDD · Item 19 · PDF p. 45
    +39 more groups in the full report
    PBPadgett Business Services
    Locations counted not stated in the reviewed record — Revenue $500,000+
    $12,773,686
    other Cumulative adjusted profit
    2026 FDD · Item 19 · PDF p. 33
    Locations counted not stated in the reviewed record — Franchisees with annual revenue $100,000–$299,999
    $17,080
    other Royalties
    2026 FDD · Item 19 · PDF p. 35
    Locations counted not stated in the reviewed record — Franchisees with annual revenue Below $100,000
    $45,258
    other Tax Preparation
    2026 FDD · Item 19 · PDF p. 35
    +23 more groups in the full report

    Item 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.

    Atm vs Padgett Business Services: common questions

    Which costs less to open, Atm or Padgett Business Services?
    Atm: $37,838 – $59,921 (2024 FDD · Item 7 · PDF p. 20); Padgett Business Services: $8,700 – $117,295 (2026 FDD · Item 7). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for Padgett Business Services. At least one range spans several business formats. Estimates are not quotes, and the FDD years may differ.
    Which has more locations, Atm or Padgett Business Services?
    Atm: 233 (2024 FDD · Item 20 · PDF p. 49); Padgett Business Services: 164 (2026 FDD · Item 20 · PDF p. 36). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
    Do Atm and Padgett Business Services disclose financial performance (Item 19)?
    Atm has reviewed Item 19 figures for 42 location groups; Padgett Business Services has reviewed Item 19 figures for 26 location groups. Different location groups are not directly comparable, and revenue is not profit.

    Answers restate the reviewed figures above. Not a ranking or recommendation.

    How Franopolis reviews FDD figures

    Keep researching

    A

    Full Atm report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

    PB

    Full Padgett Business Services report

    Every reviewed fee, Item 19 group, outlet table and territory disclosure

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    Plain-language meaning of each Item