Its a bidding process, you make your bid, you get exclusive ATM access. Last bid was a 5 year contract in 2017.

Page 91 shows the exact location of every ATM at SFO.
Page 118 shows the requirments as follows:


Required
Tenant shall install and operate, and maintain ATMs, and provide:
 Dispense United States currency in $20 bill increments from checking and savings accounts,
and dispense $20 in bill increment cash advances from credit accounts.
 Provide access to the following networks and credit cards: AFFN, American Express, Cirrus,
Discover/Novus, Maestro, MasterCard, NYCE, Plus, Pulse, Quest, and Star.
 Provide a written receipt of each transaction, or have one sent electronically via Tenant
cardholder’s email.
 Provide display function on user operation.
 Display transaction fee/surcharge information.
 Surcharge shall not exceed $2.50 for each non-bank member card holder transaction.
 Post a toll-free number for customer service inquiries.

Optional
Tenant, at its own option, on a nonexclusive basis, may:
 Allow bank member cardholder to inquire on balances of checking, savings and line of credit.
 Allow bank member cardholder to make electronic payments to credit accounts from
checking and savings accounts for bank member cardholders.
 Deposit U.S. currency to Tenant’s cardholders’ checking, savings and line of credit accounts
to full function ATM only. Tenant must show proof that it is a Federal Deposit Insurance Corporation (FDIC)-insured national or state chartered bank and must remain FDIC-insured to provide the deposit service.
 Provide automated teller assistance unit.
 Dispense gift cards issued or approved by the Airport.


Page 130 shows historic trends ATM usage for each terminal.

http://mission.sfgov.org/oca_bid_att...ts/FA48060.pdf


Also, off topic, but vaguely interesting, according to the lease agreement you can not run an outlet or resale business at SFO, nor have a going out of business sale.