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Oct 16th 2023:
Updated prices and transaction fees. Removed details of some card readers (MyPOS Go and Carbon, Castles Vega, Verifone 400c, Barclaycard Anywhere) and expanded details of our recommended card machines.
Oct 3rd 2022:
Updated the prices of the card readers
15th June 2022:
Removed £16 special offer for the SumUp Air card reader.
Replaced myPOS Mini and myPOS Smart N5 with myPOS Carbon and myPOS Combo.
When comparing card payment machines the main factors to consider are functionality, connectivity, integrations possible, device cost, transaction fees by card type and one-off charges.
The best card payment machine for your small business will depend on your business type, typical card turnover and how mobile you need the card reader to be.
Short on time, here’s a quick overview of the best card machines in different categories…
In the table below, we’ve shortlisted what we believe are the best countertop, portable and mobile card machines suited to small businesses in the UK.
Device Model & Cost excl VAT | Transaction Fees |
---|---|
Square Card Reader 2nd Generation£19 No monthly contract | In Person: 1.75% Remote (CNP): 2.5% View Latest Offer > |
Zettle Reader 2 £29 for first Reader 2 £59 each additional reader No monthly contract | In Person: 1.75% Remote (CNP): 2.5% View Latest Offer > |
SumUp Air £39 No monthly contract | In Person: 1.69% With business account: 1.49% Remote (CNP): 2.5% View Latest Offer > |
Ingenico Desk 5000 From £15 per month with Worldpay 12 month min contract | Offered by Worldpay, Barclaycard, Trust Payments, Elavon and AIB Compare rates > |
Ingenico Move 5000 From £15 per month with Worldpay 12 month min contract | Offered by Worldpay, Barclaycard and Elavon Compare rates > |
Ingenico Axium 8000 From £17.95 per month with Worldpay 18 month min contract | Offered by Worldpay, Barclaycard and Elavon Compare rates > |
PAX A920 £29 per month with Barclaycard on a 12 month min contract 18 month min contract | Offered by Barclaycard, Dojo (Paymentsense), Elavon and Takepyaments Compare rates > |
Clover Flex £16.99 per month with Tyl by Natwest 12 month min contract | The Clover Flex is offered by Tyl By Natwest, Lloyds Cardnet, AIB Merchant Services, Netpay Compare rates > |
Prices correct as of October 2023
Brand | Device Model & Cost excl VAT | Transaction Fees | |
---|---|---|---|
In Person: 1.75% Remote (CNP): 2.5% View Latest Offer > | |||
In Person: 1.75% Remote (CNP): 2.5% View Latest Offer > | |||
In Person: 1.69% With business account: 1.49% Remote (CNP): 2.5% View Latest Offer > | |||
Offered by Worldpay, Barclaycard, Trust Payments, Elavon and AIB Compare rates > | |||
Offered by Worldpay, Barclaycard and Elavon Compare rates > | |||
Offered by Worldpay, Barclaycard and Elavon Compare rates > | |||
Offered by Barclaycard, Dojo (Paymentsense), Elavon and Takepyaments Compare rates > | |||
Clover Flex £16.99 per month with Tyl by Natwest 12 month min contract | The Clover Flex is offered by Tyl By Natwest, Lloyds Cardnet, AIB Merchant Services, Netpay Compare rates > |
Minimum Contract Required | Transaction Fees | Cost (Excl VAT) | ||
---|---|---|---|---|
Card readers with no contract | In-Person: 1.1% – 1.75% Remote: 1.3% – 2.5% | £16 – £79 upfront per device | ||
Card machines with no contract and built in printer | In-Person: 1.1% – 1.75% Remote: 1.3% – 2.5% | £149 – £199 upfront per device | ||
Countertop card machines (Wired) | Variable | £15 – £25 per month | ||
Portable card machines (Wifi, Bluetooth) | Variable | £18 – £50 per month | ||
Mobile card machines (3G / 4G) | Variable | £18 – £50 per month |
Merchant Account | Transaction Fees | Cost (Excl VAT) | |
---|---|---|---|
Card readers 3G / 4G | No contract Aggregated Merchant Account | In-Person: 1.1% – 1.75% Remote: 1.3% – 2.5% | £16 – £79 upfront per device |
Card terminals with printer 3G / 4G | No contract Aggregated Merchant Account | In-Person: 1.1% – 1.75% Remote: 1.3% – 2.5% | £149 – £199 upfront per device |
Countertop terminals Ethernet / Phoneline | Monthly contract Dedicated Merchant Account | Variable | £15 – £25 per month |
Portable terminals Bluetooth / Wireless | Monthly contract Dedicated Merchant Account | Variable | £18 – £50 per month |
Mobile terminals 3G / 4G | Monthly contract Dedicated Merchant Account | Variable | £18 – £50 per month |
Prices correct as of October 2023
We looked at the following key factors when deciding what card machines to include in our list of the best card machines.
For fixed-price card terminals offered by payment facilitators we also factored in fees:
Advantages of no contract and fixed fees
Disadvantages of no contract and fixed fees
Company | Device | Cost Excl VAT | Transaction Fees |
---|---|---|---|
Zettle Reader 2 | £29 | ||
Zettle Terminal | £149 | ||
Square Reader | £19 | ||
Square Terminal | £149 | ||
Air | £29 | ||
Solo | £79 | ||
Solo & Printer | £139 | ||
MyPOS Go | £39 | ||
MyPOS Pro | £179 | ||
MyPOS Combo | £179 |
Company | Device | Cost Excl VAT | Transaction Fees |
---|---|---|---|
Zettle Reader 2 | £29 | ||
Zettle Terminal | £149 | ||
Square Reader | £29 | ||
Square Terminal | £149 | ||
Air | £29 | ||
Solo | £79 | ||
Solo & Printer | £139 | ||
MyPOS Go | £29 | ||
MyPOS Carbon | £179 | ||
MyPOS Pro | £179 |
Prices correct as of October 2023
Pros
Cons
Type | Square Card Reader Fees |
---|---|
Monthly fee | None |
Chip, contactless, and swipe | 1.75% |
Online store and payment links – UK cards | 1.4% + 25p |
Online store and payment links – Non-UK cards | 2.5% + 25p |
Keyed, invoice, virtual terminal | 2.5% |
Instant Transfers | 1% in addition to the card fee |
Refunds | Free |
Chargebacks | Free |
One of Square’s standout features is its transparent pricing. Businesses are charged a fixed rate of 1.75% per transaction. There are no monthly fees or contractual lock-ins.
This straightforward pricing model is often appealing to start-ups or small businesses wary of hidden fees or complex pricing structures (although in reality, most businesses may make significant savings through lower transaction fees by going with other payment providers)
Square supports a wide range of payment methods, including contactless cards, mobile wallets like Google Pay, Apple Pay, and Samsung Pay, as well as chip and PIN and chip and signature cards. It accepts major card brands such as Visa, Mastercard, Maestro, and American Express. Payments are typically deposited into the merchant’s bank account the next working day, with an option for immediate payouts for an added 1% fee.
If you take payments in person and process less than £25,000 in card payments per year then the square card reader would be a safe choice.
The square card reader is best suited to single-site cafes, restaurants, bars and service-based businesses. It will also be a good choice for sole traders and service businesses on the move where payments can be made without WiFi or an ethernet connection.
The square card reader is commonly seen as an alternative to the Zettle or SumUp card readers. They are similar in terms of price (hardware and transaction fees) as well as functionality. What differentiates Square is that they have a larger selection of other POS hardware (e.g. the Square Register kit, cash drawer, printer) and their restaurant and retail POS systems are more popular than similar offerings from SumUp.
Read our comprehensive Square Card Reader review here. You may also be interested in our comparison or the top 3: Square vs Zettle vs SumUp card readers.
Pros
Cons
Launched in 2012, SumUp has become one of Europe’s most successful FinTech companies by meeting the payment processing needs of smaller retailers and service businesses. The SumUp Air card reader is its entry-level POS model and is often spotted in independent shops and cafes across the UK.
SumUp app includes standard features such as quick-sale mode, tipping, cash recording, basic analytics, email/SMS receipts, and QR code payments. It also supports remote payments, including payment links and virtual gift cards.
SumUp offers 2 card readers, the SumUp Air (SumUp Plus in the US) and the SumUp Solo.
Cost Type | SumUp Fees | Details |
---|---|---|
SumUp Air (Device Cost) | £29 +VAT | One-time purchase cost for the device. |
SumUp Solo (Device Cost) | £79 +VAT | One-time purchase cost for the device. |
Transaction Fee (Standard) | 1.69% | Fee per transaction using the SumUp Air card reader. |
Transaction Fee (Business Account) | 1.49% | Reduced fee for transactions with the SumUp Business Account. |
Remote Transactions (Invoice/Link) | 2.50% | Fee for transactions processed through payment links or invoicing. |
Monthly Costs | £0 | No monthly fees or rental costs associated with the device. |
Virtual Terminal | 2.95% + 25p | Fee for card-not-present transactions processed without the card reader. |
Online Payments | 2.50% | Fee for transactions processed through the online store or payment links. |
The SumUp Air, priced at £39 (excluding VAT), connects via Bluetooth and supports magstripe, EMV/chip cards, and contactless NFC payments. It has an OLED display and a PIN pad, unlike the Square reader.
The SumUp Solo, priced at £79 (excluding VAT), is a standalone terminal similar to the Square Terminal. It’s battery-operated with a colour touchscreen and accepts EMV and NFC-based payments. Connectivity is through Wi-Fi or a built-in SIM card.
There is also the option to have SumUp Solo with a printer which is currently priced at £139 (excluding VAT). This external printer attachment also acts as a separate battery pack extending periods between charges.
The standard transaction fees are 1.69% for card reader & business account transactions. However, if you also sign up to aSumUp Business Account, the card reader transaction fee is reduced to 1.49% and payments are typically received in just one business day compared to 2-3 with a normal account.
For remote transactions, such as those processed through payment links or invoicing, there’s a 2.50% fee. If you’re using the Virtual Terminal for card-not-present transactions, the fee is 2.95% + 25p. Finally, for online payments processed through the online store or via a payment link, the fee is 2.50%.
The main USP of the SumUp card reader compared to its rivals is that it reduces transaction fees by 0.2% and processing times by 1-2 days for customers who also sign up to its business bank account.
However, we believe the Square Reader is a better choice. You can read out full SumUp Air review here.
Pros
Cons
Since PayPal bought out iZettle in 2018 (breaking competition rules) they have retired their Paypal Here card reader and focused on the recently rebranded Zettle range of card readers (previously iZettle).
Like other card readers from payment facilitators, its user interface is on its app that users install on their Apple or Android smartphone or tablet and connect via Bluetooth.
Using the Zettle Reader 2 is intuitive and straightforward although you will need to ensure you have registered for PayPal Business account before you can use it.
If you want more details, check out our Zettle review here or our comparison of the Square vs Zettle card readers.
The Zettle Reader 2, available in black or white, is priced starting from £29+VAT for the first machine and then £59+VAT for each additional one.
Zettle also includes shipping, bank transfers, refunds and protection against chargebacks up to £250 per month with no additional charges.
The card machines listed below are typically offered by merchant service providers that require a minimum term contract. The approval and onboarding process is more cumbersome than the fixed priced card reader suppliers above but they offer more functionality, a better user experience, extensive integration options and typically lower transaction fees.
If you are interested in comparing the transaction fees for card machine payments, fill in our short form and our payment experts will get you bespoke quotes.
The Ingenico Move 5000, and the Desk 5000 covered below, are available on a monthly contract with Worldpay, Trust Payments & Elavon.
The Move 5000 was launched in the UK in 2019 to replace the very popular iWL series. It has a number of improvements on Ingenico’s iWL range including a new Telium Tetra operating system and a faster processor.
Like its rivals, it can process all the most popular payment methods like traditional EMV Chip & PIN, magstripe, contactless payments, digital wallets, and QR-code transactions. The device features a relatively small 3.5-inch colour touchscreen and offers 4G, 3G, GPRS, Dual SIM, Bluetooth, and WiFi connectivity options.
Its multiple mobile connectivity options also make it a popular choice for businesses that don’t have fixed payment stations (e.g. restaurants with table service).
The Ingenico Desk 5000 is the countertop version of the Ingenico Move 5000. Both offer mobile connectivity via 4G, 3G, GPRS, Bluetooth and WiFi but the Desk 5000 can get online via an ethernet cable. It also does not have a Dual SIM like the Move 5000.
It can also have wired connections to other POS devices making it ideal for integrating with EPOS systems at the checkout point.
The Axium DX8000, also offered by Trust Payments, is positioned as a response to previous criticisms about Ingenico’s outdated designs and an attempt to compete with the stylish and feature-rich PAX A920.
The PAX A920 has seen significant growth and adoption in the UK market, while the Ingenico Axium DX8000 is still emerging, especially among larger multi-site retailers.
The PAX A920 has a sleek design with a large 5-inch HD touchscreen that removes the need for a physical PIN pad. It also has a rear camera for scanning QR codes and barcodes. It supports all major payment methods including chip and PIN, contactless, magnetic stripe, NFC, and QR code payments.
This Smart POS terminal operates on an Android system, allowing users to install and use other Android applications in addition to its standard features like reporting, sales tracking and customer loyalty functions that are included as standard.
The merchant service providers below all offer one or more of the highly rated card machines above on a monthly contract.
If you are interested in comparing the transaction fees for card machine payments, fill in our short form and our payment experts will get you bespoke quotes.
Worldpay offers three highly-rated card machines for UK businesses manufactured by Ingenico; the Axium DX8000, the Move 500 and the Desk 5000. The pros and cons below relate to all these Ingenico machines and Worldpay.
Pros
Cons
Worldpay charges a fixed fee each month for their card machines.
Both monthly plans will have variable transaction fees that are agreed on a bespoke basis for each business and some card types will have higher fees (e.g. AMEX).
Each plan also requires a minimum contract term of 18 months. If you wish to accept payments over the phone, there’s an added cost of £9.99 per month.
Transaction fees will vary but you can see a indicative guide to Worldpay transaction fees here.
Other suppliers of the Move 5000 include Elavon (£18 + VAT per month), Barclaycard (£15 + VAT per month on an 18-month contract) and Trustpayments.
How do Worldpay card machines compare to its rivals?
The table below shows how the two Worldpay card machines compare to the PAX A920, the Smart POS terminal offered by Dojo, Barclaycard and Takepayments.
Feature/Specification | Ingenico Move/5000 | Axium DX8000 | PAX A920 |
---|---|---|---|
Operating System | Telium TETRA | Android 10 | Android 7.1 |
Display | 3.5” backlit, HVGA (480×320 pixels) | 6-inch HD+ touchscreen | 5-inch HD touchscreen |
Connectivity | 4G and/or 3G with fallback, WiFi, Bluetooth | 4G, 3G, GPRS, Bluetooth, WiFi (2.4G and 5G) | 4G, 3G, WiFi, Bluetooth |
Payment Methods | EMV Chip & PIN, Contactless, Magstripe, Digital Wallets, QR-code | EMV Chip & PIN, Contactless, Magstripe, Digital Wallets, QR-code | EMV Chip & PIN, Contactless, Magstripe, NFC |
Battery Capacity | Up to 3100mAh Li-ion | Long-lasting Li-ion battery (specific capacity not mentioned) | 5250mAh rechargeable Li-ion |
Battery Life | Not specified (but given the capacity, it should last a full business day depending on usage) | Not specified (but designed for lengthy working days) | Not specified (but typically lasts a full business day) |
Security | PCI PTS 6.0 | PCI PTS v6 | PCI PTS 5.x |
Processor | Cortex A5 | ARM Quad-core Cortex A53 | Quad-core Cortex A53 |
Memory | 512 MB Flash, 512 MB RAM | Up to 32GB Flash and 3GB RAM | 1GB RAM, 8GB Flash |
Camera | None | Front and rear (Up to 2MP front, 8MP rear) | 5MP rear camera |
Additional Features | Integrated thermal printer, 1D/2D barcode scanner option, GPS tracking option | Integrated thermal printer, power-saving features, optimized performance | Integrated thermal printer, built-in GPS |
Please note that the exact battery life can vary based on usage patterns, settings, and other factors. It’s always recommended to refer to the official datasheets or product documentation for the most accurate information.
Barclaycard offer the a pay-as-you-go card reader, the Smartpay Anywhere, and also the Ingenico Move 5000 and PAX A920 on monthly contracts.
We don’t recommend Barlcaycard’s entry-level pocket-sized card reader, the Smartpay Anywhere card reader. This white-labeled card reader has had some issues with Bluetooth connectivity and the app is basic compared to its competitors (the app has not been updated since mid-2018). If you are looking for a card reader with no contract we’d recommend those offered by Square, SumUp or Zettle are better.
You may also be interested in our Barclaycard Merchant Services Review.
The pros and cons below relate to Barclaycard as a provider of card terminals and not the specific hardware.
You need a Barclays bank account to qualify for faster settlement times:Pros
Cons
Barclaycard offer the PAX A920 for £29 per month plus VAT on an 18-month contract. They also offer the Ingenico Move 5000 for 15 +VAT on a 12-month contract.
Card Reader | Monthly Rental Fee | Contract Length | Transaction Costs |
---|---|---|---|
Ingenico Move 5000 | £15 +VAT | 18 Months | Bespoke |
PAX A920 | £29 +VAT | 18 Months | Bespoke |
It is worth noting that Takepayments (an ISO of Barclaycard) also offers the Pro version, the PAX A920Pro, for £25 + VAT per month on an 18-month contract.
Worldpay stopped offering the PAX A920 in 2021 as they had security concerns and lost confidence in the manufacturer, PAX Global Technology based in China. At the time, it was reported that the FBI began investigating PAX after a major U.S. payment processor (thought to be Worldpay) believed the terminals were being used both as a repository for malicious files (a malware “dropper”) and “command-and-control” locations for collecting user information.
Tyl is the brand NatWest launched in 2019 in order to gain a larger foothold in the lucrative small business merchant service industry.
They aim to appeal to a range of business types and sizes by offering 2 transaction fee structures (fixed fees and custom) and 4 card machines plus a stand-alone payments app.
Card Machine | Description | Connectivity | Monthly fees Free for the first 3 months |
---|---|---|---|
PAX A50 | Pocket sized portable card reader | Wi-Fi + 4G + Bluetooth | £6.99 +VAT Purchase outright: £75 +VAT |
Clover Flex | Smart portable POS terminal | 4G + Wi-Fi | £16.99 +VAT |
Ingenico Move 3500 | Portable card machine | 3G or Wi-Fi | Wi-Fi: £19.99 +VAT 3G: £21.99 +VAT |
Ingenico Desk 3500 | Countertop card machine | Ethernet | £13.99 +VAT |
For a business taking less than £50,000 per year in card sales, Natwest charges 1.5% transaction fees (excl Amex cards).
Their ecommerce gateway is free for the first 12 months (normally £14.95+VAT per month) and their card machines have no fees for the first 3 months.
For businesses taking less than £50,000 per year in card sales, they will offer 5 bespoke card rates (the exact rates will depend on your business type, sales volume, average transaction size etc) and the same special offers on the card machine and payment gateway.
Dojo is a trading name of Paymentsense Ltd and was set up to focus on small businesses which predominantly carry out face-to-face transactions. They only offer the PAX A920.
Pros
Cons
Dojo’s pricing is tiered depending on the annual card turnover of the business. If your business takes more than £150,000 in card sales each year you will be offered bespoke transaction fees based on your business.
Below £150k in annual card turnover | Above £150k in annual card turnover | |
---|---|---|
Contract Duration | 6 months (then rolling per month) | Monthly rolling |
Monthly Terminal Fee | £20 pm | £15 pm |
Minimum Monthly Payment Charge | £24.95 | £24.95 |
Refund Fee | £0.50 | £0.50 |
Secure Transaction Fee | 5p | 5p |
Card Charges (Visa, Mastercard, Maestro etc) | 1.4% + 5p | Bespoke |
American Express | Variable% + 5p | Variable% + 5p |
Card not present | 1.9% + 5p | Bespoke |
Business Card Charges (Visa, Mastercard, Maestro etc) | 1.99% + 5p | Bespoke |
The Dojo Go doesn’t sit into a clear card reader category as it offers fixed and variable fees depending on annual card turnover. In terms of hardware, the PAX A920 device is superior to the relatively basic card readers offered by SumUp, Zettle and Square.
When you need a credit card machine (aka a card reader), you essentially have two choices:
1. Lease your credit card machine(s) from a merchant account provider.
You will need to sign a contract (typically for 12 months or more) and pay a monthly fee for each terminal. The transaction fees are not fixed and will be agreed in advance with your merchant account provider (they will depend on several factors).
2. Buy a mobile card reader from a payment facilitator.
You will not need a dedicated merchant account and the transaction fees are fixed and transparent.
The best route is typically determined by your business type, annual card turnover and typical transaction size. You can compare the typical fees you are likely to pay for buying or renting credit card machines here.
Payment Facilitators | Merchant Account Providers | |
---|---|---|
Examples | Square, SumUp, Zettle | Worldpay, Lloyds Cardnet, Elavon, Evo Payments |
Dedicated Merchant Account? | ||
Monthly Contract? | ||
Card Machine Manufacturer | Own brand | Normally 3rd party suppliers (e.g. Ingenico, Verifone, PAX) |
Card Machine Pricing | One upfront cost | Monthly hire for the length of the contract |
Transaction Fees | Fixed Relatively high (typically 1.6% – 1.75% for in person transaction) | |
Best for? | Small businesses with annual card transactions under £25K | Businesses with annual card turnover above £25K |
The costs of a card payment machine can be split up into the cost of the device itself and the fees paid by the payment processors (e.g. the transaction fees, chargeback fees etc).
The card reader will either be offered to purchase outright (with prices ranging from just £16 +VAT to £199 +VAT for pay-as-you-go card machines) or available on a monthly contract (with prices ranging from £6.99 +VAT per month to £49.99 +VAT).
Transaction fees will vary by card type, payment type and payment processor. As a guide, we’ve managed to secure transaction fees for in-person payments at just 0.29% for a debit card transaction with credit card rates below 1% but it will very much depend on your business, the merchant account provider and the card type being used (i.e some providers will charge 3%+ for business credit cards).
Businesses requiring a high-risk merchant account will have the highest transaction fees for in-person and remote payments.
You can get more information on fees in our guide to card machine costs.
The table below shows other POS terminals from Castles and Vega to consider and the payment processors offering them on a monthly contract. They are good PDQ machines but didn’t make it on to our recommended list.
Brand | Device Model & Cost Excl VAT | Transaction Fees | |
---|---|---|---|
Verifone V400c Countertop Ethernet or phone-line | Varies by provider. Offered by Adyen and Opayo (Elavon). Compare fees > | ||
Castles Vega 3000C Countertop Ethernet or USB | Varies by provider. Offered by Trusted Payments, Adyen, Netpay, Evo Payments. Compare fees > |
Portable card machine terminals connect via Wireless or Bluetooth. They are well suited to businesses that take payments from customers away from a till or across a number of locations. You will see restaurants and other hospitality venues using portable card machines inside and outside the venue, while a hotel may choose to take the portable route to facilitate payments anywhere on-site.
Mobile card machines work via a SIM card (GPRS/GSM). They’re ideal for businesses that need to get take payments on the go such as plumbers, taxi drivers and builders. Some hospitality businesses also prefer them to portable machines which may lose their WiFi or Bluetooth connection due to being too far from the base station or having obstructions blocking the signal.
Most portable card machines come with a SIM card option to also give them mobile functionality. They will switch between 4G, 3G, GPRS, Dual SIM, Bluetooth or WiFi automatically to ensure there is no drop-off in connectivity. All the models below have this option but this typically adds to the monthly fees.
If you sign up with a payment processor that provides card machines the models available will typically be made by Verifone, Ingenico, Pax Technology, Clover, Spire Payments, Datecs or Miura Systems.
They will either be classed a countertop, portable or mobile card machines (we are discounting EPOS systems as they fall into a different subset).
In most cases, it is best to obtain a card terminal through your merchant account provider rather than source one from a dedicated card machine supplier.
Before you decide on the merchant account provider to use you should decide on the type(s) of card terminal(s) you require. So in summary:
Card readers without a contract offered by payment facilitators are the cheapest in terms of hardware as they only incur a one-off upfront fee as low as £16+VAT.
However, for most businesses, the cheapest way to take card payments in person will be signing up for a monthly contract with a merchant service provider and leasing their countertop, portable or mobile credit card machines. Countertop machines will be cheapest of these types.
Only businesses with a relatively low annual card turnover (below about £25,000) and/or a low average transaction value will likely be better off with a no-contract mobile card reader like those offered by Square, Zettle or SumUp.
Whilst these are the cheapest card machines in terms of hardware, they charge expensive transaction fees (the most popular card readers range between 1.60% – £1.75% per face-to-face transaction and 2.5% for remote payments).
If your business takes over £2,000 per month in card transactions per month (or expects to) it normally makes commercial sense to sign up with a merchant services provider (i.e. Worldpay, Elavon etc) that can offer significantly lower transaction fees.
Fill in the form here and will find you the best one for your business.
A contract will need to be signed (typically with a minimum term of 12 months) but on balance, the benefits will make this the best option when you process more than £25K per year.
If you believe the ‘pay as you go’ mobile card readers are the way to go there are only a handful to consider.
Yes. Many card machines will connect seamlessly to your till or using cloud-based software. This allows you to integrate your card payments with your EPOS system ensuring all transactions are tracked and accounted for.
Yes. The machine can be used for cardholder-not-present (CNP) payments.
The steps for doing this will vary slightly depending on your terminal but they remain more or less the same.
CNP transactions are processed in essentially the same way as an online transactions. Since the cardholder is not physically present, the software on the physical terminal allows it to contact the acquiring bank and process the transaction remotely.
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