While retailers welcome increasing consumer spending, our love of card and mobile payments are costing them money—according to the British Retail Consortium, retailers spent £1.26bn in card processing fees in 2023.
If you’re running a business and you’re looking for a new payment solution, cost will be an important consideration. You’ll need the right card machine to be able to process payments quickly, reliably and cheaply.
In this guide, we’ll cover functionality, security, and cost to help you choose the right card payment option for your business.
Square Reader (2nd Generation)
SumUp Solo Card Reader
Tide Card Reader
What is a Card Payment Machine?
A lot of times the terms are used interchangeably, but essentially a card payment machine is usually a handheld terminal like the kind you find in a supermarket on which you tap or insert your card and put in your PIN to pay for goods. Card payment machines can be wireless and portable or wired on your countertop. Some even print receipts.
A card reader is a smaller, more portable gadget with a screen and PIN pad, a small area on which to tap your card for contactless payments, and a slot where you can insert your card. You’ll see these used by smaller businesses like coffee shops or food trucks.
In this article, we’ll look at different types of card readers and card payment machines to identify ones that might be suitable for both large and small businesses.
Which Card Payment Machine Should you use?
You’ll need to think about the upfront cost of the device itself and, more importantly, the transaction fees the terminal provider charges each time you use the card reader.
Cheapest Card Reader – Square is the cheapest card reader on the market at just £19+ VAT. It’s a great affordable card machine for an entry-level business turning over £5k or less. Transaction fees are 1.75% per in-person payment. Buy a card reader direct from Square.
Cheapest Transaction Fees – Currently, the Revolut Reader charges 0.8% + 2p for in-person payments, which is the lowest fixed transaction fee we’ve encountered. It can only get cheaper if you are a high-volume merchant on a fixed contract. The card reader itself costs £49 + VAT. Get a Revolut Reader here.
What’s the Best Card Payment Machine? – Our Verdict
After carefully reviewing and testing the top credit card payment machines for small businesses in 2025, I feel the best entry-level portable card machine is the Square Reader.
The contactless Square Reader stands out for its incredibly low hardware cost, starting at just £19, combined with a competitive 1.75% transaction fee. It has an easy setup without long-term contracts and comes packed with features such as inventory management and customer profiles that can scale alongside a growing business. (Visit Square here)
If you want a good card reader that goes with an award-winning business bank account, I recommend the Tide Card Reader. For £59 + VAT, you’ll get a streamlined payment solution that has its own connectivity (it doesn’t need to connect to a phone). Normally, it charges a 1.5% transaction fee, with no monthly contracts. However, if you sign up before 30th April 2025 and use code TCR200, this is reduced to 0.79% + 3p for domestic cards for the next 3 months. You’ll also receive a £200 cash reward when you process £2000 in payments with your Tide Reader. Read our full Tide account review here.
For the cheapest transaction fees, the Revolut Reader remains unmatched, with rates as low as 0.8% + 2p per in-person transaction in the UK. This can drive major savings, especially for high-volume businesses, but it is a very simple solution.
For medium businesses, I recommend the Takepaymentsplus as the best option. While pricing is customised, Takepayments stands out for its tailored POS plans and reporting tools. Takepayments’ customer service is also excellent. It’s a great choice for an all-round POS system: Visit Takepayments
For a more advanced payment system, Lightspeed POS is my top pick. Although pricier, it offers strong inventory management, order tracking, and CRM integrations tailored for retailers, restaurants, and more niche sectors: Lightspeed has a product specifically for golf courses. The software can scale from single- to multi-location enterprises. Read my full review of Lightspeed Point of Sale.
Compare the Best Card Payment Machine Providers for Small Business
While this table attempts to offer a broad comparison of card machine providers, it’s difficult to simplify such a huge marketplace in a few rows.
I’ve tried to display here the purchase price for the cheaper portable credit card machines and the fee charged for each transaction.
I’ve also included our overall star rating, which gives you a quick indication of how I rate these brands.
See costs and fees from our top card payment machines at a glance
| Card Machine | Purchase Price | Transaction Fees | Monthly Fees | Star Rating | Learn More |
|---|---|---|---|---|---|
| Square Reader | £19 + VAT | From 1.75% | £0 | ★★★★★ | Visit Square |
| Tide Reader | £59 + VAT | 1.5% | £0 | ★★★★★ | Visit Tide |
| SumUp | £79 + VAT | Fron 0.99% | £0 or £19 | ★★★★★ | Visit SumUp |
| Revolut Reader | £49 + VAT | From 0.8% + 2p | £0 | ★★★☆☆ | Visit Revolut |
| Lightspeed | On Request | Varies | From £75 | ★★★★★ | Visit Lightspeed |
| Ingenico | On Request | On Request | On Request | ★★★☆☆ | Visit Ingenico |
| Zettle | From £29 + VAT | 1.75% | £0 | ★★★★☆ | Visit Zettle |
| Verifone | On Request | Varies | On Request | ★★★☆☆ | Visit Verifone |
| Takepayments | On Request | Varies | On Request | ★★★★★ | Visit Takepayments |
| Worldpay | Rented | From 1.5% | From £15 | ★★★☆☆ | Visit Worldpay |
| Tyl (by Natwest) | £9.99 + VAT | From 1.39% + 5p | £0 | ★★★☆☆ | Visit Tyl |
| Dojo Go | From £179 | From 1.2% | £0 | ★★★☆☆ | Visit Dojo Go |
| Smartpay Anywhere (by Barclaycard) | £29 + VAT | From 1.6% | £0 | ★★★☆☆ | Visit Smartpay |
Compare the 13 Best Card Machines for Small Business
Square Reader: Best Business Card Reader with No Contract
Card Machine Type: Mobile
Best For: Scalability
Hardware Cost: From £19 + VAT
Transaction Fee: 1.75% per in-person payment
Customer Support: 9 am-5 pm Mon-Fri
Visit Brand: Visit Square
The Square Reader (2nd Gen) is a simple, budget-friendly way to accept payments on the go. At just £19 + VAT, it’s ideal for market stalls, food trucks, or pop-up shops. It supports chip and PIN, contactless, Apple Pay, and Google Pay, and there are no monthly fees.
A key highlight is its wireless connectivity, which ensures seamless pairing with your device and allows you to accept offline payments for up to 24 hours. It also offers 20% longer battery life compared to the previous model, making it perfect for mobile businesses on the move.
The 1.75% transaction fee is competitive but may not be the best fit for high-volume businesses. Custom rates are available for those processing over £200K annually.
The main drawbacks include the need for a smartphone or tablet and the lack of standalone functionality.
Square Card Reader Key Features
- Accepts chip and PIN, contactless, Apple Pay & Google Pay
- 1.75% transaction fee for in-person payments
- No monthly fees or contracts
- Wireless connectivity – stays paired with your device
- Offline payments for up to 24 hours
- 20% longer battery life than the 1st generation
- Works with Square POS software for free
- Compatible with iOS and Android devices
Square Reader Pros and Cons
Pros ✅
- Affordable at £19 + VAT
- No monthly fees, just a flat 1.75% transaction rate
- Compact and lightweight – fits in a pocket
- Works offline for up to 24 hours
- Pairs automatically with your device
- Free POS software with reporting tools
Cons ❌
- Requires a smartphone or tablet to work
- Not suitable for businesses needing a standalone terminal
- Flat 1.75% fee can be pricey for high-volume businesses
Square Reader Pricing
| Service/Product | Pricing |
|---|---|
| In-Person Transaction Fee | 1.75% |
| Clearpay Transaction Fee | 6% + 30p |
| Manually Keyed-In Fee | 2.5% |
| Hardware | £19 + VAT |
Tide Reader: Best 4G Card Reader with Business Account
Card Machine Type: Mobile (4G)
Best For: Versatility & Bank Account
Hardware Cost: £59 + VAT
Transaction Fee: 1.5% for all transactions
Customer Support: Email support with a 48-hour response
Exclusive Offer: Get £200 Cash Reward when processing £2,000 using your reader & reduced domestic transaction fees of 0.79% + 3p for the next 3 months – Code: TCR200. Ends 30/04/2025
Visit Brand: Visit Tide
The Tide Card Reader is an affordable, contract-free option for businesses needing a simple, mobile payment solution. At just £59 + VAT (promotional price), it supports payments via Visa, Mastercard, Amex, Apple Pay, and Google Pay, with no monthly fees—just a 1.5% transaction fee.
A standout feature is the built-in 4G with unlimited data, so you can process payments anywhere, even without Wi-Fi. Plus, payments are cleared within 1-3 working days, helping maintain smooth cash flow.
However, the Tide Card Reader is only available to Tide business account holders, and it does not have a built-in receipt printer—only digital receipts are provided. Consider the Tide Card Reader Plus if you need a physical receipt printer. Overall, it’s a solid choice for businesses that need a reliable, low-cost card reader with built-in connectivity.
Purchase your Tide Reader before 30th April 2025 to enjoy reduced domestic transaction fees of 0.79% + 3p for 3 months. You’ll also earn a £200 Cash Reward when you process £2,00 in payments using your Tide Reader, making it a cost-effective solution.
Tide Reader Features
- No monthly fees – Pay only the 1.5% transaction fee
- Built-in 4G with unlimited data – Works anywhere
- Compact and lightweight – Perfect for mobile businesses
- Fast payments – Funds clear in 1–3 business days
- No contracts – One-time device purchase
- PCI-compliant and tamper-proof design
Tide Reader Pros and Cons
Pros ✅
- No monthly fees, just 1.5% per transaction
- Free 4G connectivity for life (worth £5/month)
- Works anywhere with 4G or Wi-Fi
- Supports chip & PIN, contactless, and digital wallets
- £200 cash reward when you process £2,000 in payment if purchased before 30/04/2025, using code TCR200
Cons ❌
- Only available to Tide business account holders
- No built-in receipt printer (digital receipts only)
- Payments take up to 3 days to clear
Tide Pricing
| Service/Product | Pricing |
|---|---|
| Hardware Cost | £59 + VAT |
| In-Person Transaction Fee | 1.5% per transaction |
| Manually Keyed-In Fee | 1.5% per transaction |
SumUp Solo Card Machine
Card Machine Type: Mobile
Best For: Customer Service
Hardware Cost: £79
Transaction Fee: From 0.99%
Customer Support: Business hours
Visit Brand: Visit SumUp
The SumUp Solo is a pocket-sized, standalone card reader perfect for mobile businesses. It comes with a built-in SIM card offering unlimited data, meaning no need for a smartphone or tablet—just charge it up, and you’re ready to accept payments. With its intuitive touchscreen and pay-as-you-go pricing, SumUp makes it easy to manage payments with a flat 1.69% transaction fee and no monthly charges.
For fast cash flow, next-day payouts are made directly to a free SumUp Business Account, which includes a complimentary Mastercard for spending. It also offers features like smart tipping, sales reporting, and automatic updates to keep things running smoothly.
If you need printed receipts, the Solo can pair with an optional printer (£139) and double as a charging dock. However, it doesn’t have a keypad for manual entry, so it’s not ideal for phone payments.
Overall, the SumUp Solo is a sleek, all-in-one payment solution for businesses on the go.
SumUp Solo Card Reader Features
- Standalone device – No need for a separate phone or app
- Touchscreen interface – Easy-to-use navigation
- Built-in SIM card & Wi-Fi – Unlimited data for seamless payments
- Fast payouts – Next-day payments, even on weekends
- Smart tipping & reporting – Efficient transaction management
- Optional printer add-on – Print receipts and extend battery life
SumUp Solo Card Reader Pros and Cons
Pros ✅
- Compact, fully mobile, perfect for businesses on the move
- No monthly fees, just a simple 1.69% transaction fee
- Next-day payouts to a free SumUp Business Account
- Built-in SIM with unlimited data (or Wi-Fi connectivity)
- Smart features like tipping and sales reporting
Cons ❌
- No keypad for manual card entry
- Printer add-on costs extra (£139 for both devices)
- Not suitable for businesses needing multiple user logins
SumUp Pricing
| Service/Product | Pay-as-you-go | SumUp One Membership |
|---|---|---|
| Monthly Cost | £0 | £19 |
| In-Person Transaction Fee | 1.69% per transaction | 0.99% for domestic consumer cards. 1.99% for international and commercial cards, including Amex |
| Hardware | £79.00 + VAT or £139 + VAT for the Printer Bundle | £79.00 + VAT or £139 + VAT for the Printer Bundle |
Revolut Reader: Best Card Machine for Cheapest Transaction Fees
Card Machine Type: Mobile
Best For: Cheap transaction fees, multi-currency support
Hardware Cost: £49 + VAT
Transaction Fee: From 0.8% + 2p
Customer Support: 24/7
Signup: Visit Revolut
The Revolut Reader is a compact, wireless card machine that offers ultra-low transaction fees, starting at 0.8% + £0.02 for domestic consumer cards. With no monthly subscription, you only pay per transaction, making it an affordable option for small businesses, market traders, and mobile service providers. It processes payments in under three seconds, and funds settle into your Revolut Business account within 24 hours (including weekends and bank holidays).
It supports chip & PIN and contactless payments, including Apple Pay, Google Pay, and Samsung Pay. While it only integrates with the Revolut POS iPad app, more integrations are expected soon. The Revolut Reader is ideal for businesses needing fast payments and low fees, but it lacks phone-based support and has limited POS integrations.
It’s a great no-fuss card reader with quick payouts and low fees, but it’s not suited for those requiring more complex integrations or phone support.
Revolut Card Machine Features
- Ultra-low fees – From 0.8% + £0.02 per transaction
- Super-fast payments – Processed in under 3 seconds
- 24-hour payouts – Even on weekends and bank holidays
- No subscription fees – One-time cost of £49
- Long battery life – Lasts all day on a single charge
- Mobile payments – Accepts Apple Pay, Google Pay, and Samsung Pay
- Tipping feature – Easily add gratuity options
Revolut Reader Pros and Cons
Pros ✅
- Ultra-low transaction fees – Cheaper than most competitors
- Fast payouts – Next-day payouts, including weekends
- No subscription fees – Pay per transaction
- Portable – Lightweight and compact
- Long battery life – Works all day without charging
Cons ❌
- Limited integrations – Works only with Revolut POS (for now)
- No built-in printer – Digital receipts only
- No phone support – Customer service is online-only
Revolut Reader Pricing
| Pricing Component | Fee Details |
|---|---|
| Hardware Cost | £49 + VAT |
| In-Person Payments | From 0.8% + 2p |
| Chargebacks | £15 per case |
| Tap to Pay from UK Consumer Cards | Additional 8p |
Lightspeed POS: Best Business Card Machines for Well-Established Retail, Restaurant, Golf
Card Machine Type: Portable
Best For: Established businesses
Hardware Cost: Varies on set up
Transaction Fee: Custom pricing
Customer Support: 24/7
Signup: Visit Lightspeed
Lightspeed POS is a comprehensive payment and business management system for businesses that need more than a simple card reader. It integrates payments with tools for inventory management, customer engagement, and reporting—perfect for retail, hospitality, and golf businesses. Retailers get real-time stock tracking and omnichannel selling, while restaurants benefit from table-side payments, order management, and built-in tipping. Golf businesses gain specialised tools for tee-time bookings, pro shop sales, and restaurant management.
Lightspeed’s integrated payments system eliminates the need for third-party processors, syncing transactions in real-time for smoother checkouts. It also prioritises security with PCI compliance and end-to-end encryption.While the system offers scalability and high performance, it’s best suited for larger businesses and might be too complex or costly for smaller operations.
Lightspeed Business Card Machine Features
- Integrated POS & payments – One platform for transactions and business management
- Industry-specific tools – Tailored features for retail, hospitality, and golf
- Advanced reporting – Real-time sales insights and performance analytics
- Secure transactions – PCI-compliant with fraud protection
- Customisable – Scalable for businesses of all sizes
Lightspeed Card Reader Pros and Cons
Pros ✅
- Comprehensive POS system – Combines payments, reporting, and management
- Industry-specific features – Retail, hospitality, and golf tools included
- Real-time reporting – Insights to track sales and performance
- Secure transactions – PCI-compliant and fraud protection built-in
- 24/7 support – Dedicated account managers for assistance
Cons ❌
- Higher cost – More expensive than basic card readers
- Requires commitment – Tied to the Lightspeed ecosystem
- Not suited for smaller businesses – Advanced features unnecessary for startups
Lightspeed Business Card Machines Pricing
| Plan Name | Retail | Restaurant | Golf |
|---|---|---|---|
| Monthly Cost | £75 for Basic plans, £149 for Core plans or £189 for Plus plans. | £109 for Essential plans, £339 for Premium plans. Custom Enterprise plans available. | Custom plans available |
| Transaction Fee | Custom rates based on transaction volume and nature of business. | Custom rates based on transaction volume and nature of business. | Custom rates based on transaction volume and nature of business. |
| Hardware | Bespoke packages | Bespoke packages | Bespoke packages |
| Chargebacks | £15 per case | £15 per case | £15 per case |
Ingenico Moby/9500: Best Business Card Machine for Security
Card Machine Type: Mobile
Best For: Security
Hardware Cost: Varies on reseller
Transaction Fee: Varies on reseller
Customer Support: Depends on reseller
Visit Brand: Visit Ingenico
The Ingenico Moby/9500 is a portable, professional-grade mobile card reader ideal for businesses that require flexibility and security. It supports EMV chip and PIN, contactless (NFC), and magstripe payments, making it suitable for a wide range of payment methods. One standout feature is the PIN-on-glass system, which allows customers to enter their PIN directly on the touchscreen securely.
With Bluetooth and USB connectivity, the Moby/9500 pairs easily with iOS, Android, and Windows devices, offering seamless integration with smartphones and tablets. Its compact design and long-lasting battery (1020 mAh) make it an excellent choice for mobile businesses, and it’s built to withstand high-traffic environments with a sanitiser-proof touchscreen.Security is a key feature, with PCI PTS v6 certification ensuring robust encryption and fraud protection. While pricing and support depend on the reseller, the Moby/9500 remains a top choice for businesses seeking a versatile, secure mobile payment solution.
Ingenico Moby/9500 Card Machine Features
- Multi-payment support – Accepts EMV chip & PIN, magstripe, and NFC/contactless
- PIN-on-glass – Secure touchscreen PIN entry
- Compact design – Weighs only 122g and fits in your pocket
- Bluetooth & USB connectivity – Works with iOS, Android, and Windows devices
- Long battery life – 1020 mAh rechargeable battery
- High security – PCI PTS v6 certified with encryption standards
- Versatile – Compatible with stands, cases, and integration modules
Ingenico Moby/9500 Pros and Cons
Pros ✅
- Accepts a variety of payment methods, including PIN-on-glass
- Lightweight and portable, ideal for mobile businesses
- Secure with PCI-compliant encryption
- Broad compatibility with iOS, Android, and Windows devices
- Long battery life with magnetic charging
Cons ❌
- Pricing varies depending on the reseller
- No built-in receipt printer
- Customer support depends on the reseller
Ingenico Moby/9500 Pricing
| Element | Pricng |
|---|---|
| Monthly Cost | Pricing |
| Transaction Fee | Varies by reseller |
| Hardware | Varies by reseller |
Zettle Card Reader 2: Best Card Machine for Beginner Sellers
Card Machine Type: Mobile
Best Suited For: Beginners, pop-up shops, mobile vendors, taxi firms
Hardware Cost: From £29 + VAT
Transaction Fee: 1.75%
Customer Support: 9 am-5 pm Mon-Fri
Signup: Visit Zettle
The Zettle Card Reader 2 offers an affordable and efficient solution for small businesses, pop-up shops, and mobile traders. It pairs effortlessly with smartphones and tablets via Bluetooth, allowing companies to accept payments on the go. Setup is quick, and transactions are processed in seconds—contactless payments take around 5 seconds, and chip and PIN under 10 seconds.
The standout feature is its flat 1.75% transaction fee, which applies to all card types, including American Express. With no monthly or rental fees, it’s perfect for businesses with moderate transaction volumes. The reader has an 8-hour battery life, or 100 transactions per charge, and includes a USB charging cable. A charging dock (£39) is available for a fixed setup if needed.It supports all major card networks and mobile wallets, such as Apple Pay and Google Pay. Funds go directly into a PayPal Business account and are typically available within minutes—ideal for businesses already using PayPal but not for those who prefer direct bank deposits.
Zettle Card Machine Features
- Multi-payment support – Contactless, chip & PIN, and mobile wallets (Apple Pay, Google Pay, Samsung Pay)
- Bluetooth pairing – Works with iOS and Android devices
- No monthly fees – Only pay 1.75% per transaction
- Fast processing – Contactless in ~5 seconds, chip & PIN in <10 seconds
- 8-hour battery life – 100 transactions per charge
- Secure and PCI DSS compliant – Encrypted payments
- Instant payouts – Funds available in PayPal Business account
- Optional charging dock – £39 for fixed setups
Zettle Reader 2 Pros and Cons
Pros ✅
- Low upfront cost (£29 for first reader)
- Pay-as-you-go pricing, no fixed fees
- Fast payment processing
- Portable and easy to use
- Integrates with Zettle POS and other systems
- Instant PayPal payouts
Cons ❌
- Funds go to PayPal, not direct bank deposits
- Charging dock sold separately (£39)
- No built-in receipt printer
- Transaction fees can add up for high volumes
Zettle Pricing
| Fee Type | Cost |
|---|---|
| Zettle Reader 2 only (first reader) | £29 + VAT for first reader then £59 + VAT for additional readers |
| Zettle Reader 2 & Dock 2 | £68 + VAT for first reader, then £98 + VAT for additional duo or £59 + VAT for a Reader only. |
| Additional Zettle Readers | £59 each |
| Dock (charging stand) | £39 |
| In-person transaction fee | 1.75% |
Verifone Victa: Best Card Machines for Rapid Payment Processing
Card Machine Type: Mobile
Best For: Fast Payment Processing
Hardware Cost: Available on request
Transaction Fee: Varies
Customer Support: 8 am-8 pm Mon-Sat
Visit Brand: Visit Verifone
The Verifone Victa Reader is a compact, high-security mobile card reader ideal for businesses seeking fast, flexible payment processing. It accepts contactless, chip and PIN, and swipe payments and seamlessly connects to iOS and Android devices via Bluetooth Low Energy. Whether customers use debit/credit cards, Apple Pay, Google Pay, or wearables, the Victa ensures a smooth checkout experience.
With a focus on security, PCI PTS 6.x compliant, EMVCo-approved, and MPoC-certified, meeting the latest mobile payment security standards. It also offers Qi wireless charging for convenience, and the built-in buzzer provides transaction confirmations, offering clarity for staff and customers.
Additionally, e-receipt technology helps reduce paper waste, while its IP53 rating ensures durability with dust and water resistance. While the device’s pricing is not publicly available, businesses can check with Verifone or their payment provider for costs and fees.
Verifone Card Machine Features
- Multi-payment support – Contactless, chip & PIN, and swipe
- Bluetooth Low Energy – Works with iOS and Android devices
- High security – PCI PTS 6.x, EMVCo, MPoC certified
- Wireless charging – Qi-compatible, plus USB Type-C
- E-receipt – Faster, eco-friendly transactions
- Durable design – IP53 rated for dust and water resistance
- Built-in buzzer – Transaction confirmation sound
Verifone Victa Reader Pros and Cons
Pros ✅
- Accepts all major payment types, including mobile wallets
- High-level security (PCI PTS 6.x, MPoC, EMVCo)
- Wireless and USB charging options
- Eco-friendly with e-receipts
- Compact and mobile-friendly design
Cons ❌
- Pricing and fees vary by provider
- No built-in screen or keypad for PIN entry
- Requires smartphone or tablet for payment processing
Verifone Card Machines Pricing
Details for the Verifone Victa Reader aren’t publicly available. Costs vary depending on the payment provider, so contacting them directly for a quote is best
Takepaymentsplus: Best Card Machine for Medium Business
Card Machine Type: Portable
Best For: Bespoke Plans
Hardware Cost: Available on request
Transaction Fee: Varies
Customer Support: Business hours
Visit Brand: Visit Takepayments
The takepaymentsplus card terminal is a modern, touchscreen device designed to help small businesses manage cash and card payments efficiently. In addition to basic transactions, it supports split payments, handles product categorisation, and allows customisable gratuity options for faster checkouts. The terminal also offers live transaction reporting on the device via the online Management Portal, giving businesses valuable sales insights.
Setting up is simple—follow four easy steps, and you’re ready to go. For businesses that need quick access to cash, the next-day settlement feature ensures funds reach your account swiftly. Multi-user support and remote management options (such as updating product pricing or adding staff logins) make this terminal adaptable to various business needs.
While pricing is quote-based and depends on business type and transaction volume, Takepayments provides a dedicated onboarding team to help get you started.
Takepayments Card Machine Features
- Accepts card and cash payments with automatic change calculation
- Split payments for part card, part cash transactions
- Customisable product library with easy category management
- Gratuity options (preset or custom) for faster tipping
- Live transaction reporting on the device or via the Management Portal
- Next-day settlement for fast access to funds
- Multi-user support with staff logins and permission settings
- UK-based customer support and dedicated onboarding team
Takepaymentsplus Pros and Cons
Pros ✅
- Accepts both cash and card payments – useful for businesses handling cash
- Transaction tracking with online reporting
- Product management and category creation on the terminal
- Fast setup – just follow four simple steps
- Next-day settlement for improved cash flow
- Customisable gratuity options
Cons ❌
- Pricing is quote-based, so upfront costs may vary
- Requires a separate contract with an acquiring bank
- Wi-Fi/mobile coverage needed for remote reporting
Takepayments Card Machine Pricing
Takepayments operates on a quote-based pricing model. Costs will depend on your business type, transaction volume, and acquiring bank agreement, so it’s best to contact Takepayments directly for a personalised quote.
Worldpay DX8000: Best Card Machine for Customer Service
Card Machine Type: Mobile
Best For: Customer Service
Hardware Cost: £15–£22.50 per month (rental)
Transaction Fee: From 1.50% (Visa & Mastercard), variable for other cards
Customer Support: 24/7
Visit Brand: Visit Worldpay
The Worldpay DX8000 is a portable, touchscreen card terminal ideal for businesses that need to process indoor and outdoor payments. With dual-band Wi-Fi connectivity, it ensures stable transactions in any setting—from cafés with outdoor seating to mobile market stalls. It supports contactless, chip-and-pIN, and swipe payments and works with major card networks like Visa, Mastercard, and Amex and mobile wallets like Apple Pay and Google Pay.
This terminal stands out with its receipt printing feature, making it perfect for businesses that need paper proof of payment. The large touchscreen and Android-style interface make it easy to use, while the next-day settlement smooths cash flow. The Simplicity Tariff offers a fixed monthly rental (from £15) and low transaction fees (1.50% for Visa & Mastercard). Businesses processing over £75K annually can opt for a Custom Tariff with flexible pricing based on volume.
The terminal also comes with next-day replacement if anything goes wrong, minimising downtime. However, premium fees apply for some card types, and businesses with lower transaction volumes may find more affordable options.
Worldpay Card Machine Features
- Portable with dual-band Wi-Fi for reliable connectivity
- Large touchscreen for easy navigation
- Accepts contactless, chip & PIN, and swipe payments
- Receipt printing from the device
- Supports Visa, Mastercard, Amex, and mobile wallets (Apple Pay, Google Pay)
- Next-day terminal replacement, if needed
- Access to Worldpay Dashboard for real-time reporting
- Next-day settlement for quicker access to funds
Worldpay DX800 Pros and Cons
Pros ✅
- Reliable dual-band Wi-Fi for indoor and outdoor use
- User-friendly touchscreen with an intuitive Android-style interface
- Receipt printing for businesses that need paper records
- No joining fee and next-day terminal replacement
- Fixed monthly rental with the Simplicity Tariff
- Next-day settlement for smooth cash flow
Cons ❌
- Premium transaction fees for some card types
- 18-month rental contract may not suit all businesses
- £15 minimum monthly service charge for custom pricing
Worldpay Card Machine Pricing
| Plan | Monthly Cost | Transaction Fee (Visa & Mastercard) | Setup Fee |
|---|---|---|---|
| Simplicity Tariff | £15–£22.50 | 1.50% | No joining fee, no minimum service charge |
| Custom | £22.50 | Variable (based on turnover) | £15 minimum monthly service charge, 4.5p authorisation fee |
Tyl (by Natwest) PAX A50 Card Machine
Card Machine Type: Mobile
Best For: Fast Payment Processing
Hardware Cost: £9.99 + VAT per month
Transaction Fee: From 1.39% + 5p
Customer Support: 8 am-6 pm Mon-Fri
Visit Brand: Visit Tyl
The Tyl by NatWest PAX A50 is a compact, pocket-sized card reader designed for businesses that need mobility. With its sleek design and multi-connectivity options (Wi-Fi, 3G/4G, Bluetooth), it’s perfect for companies on the move, whether you’re at a market stall, café, or delivering services. This lightweight device supports Visa, Mastercard, Amex, Apple Pay, and Google Pay, handling all major payment types.
The PAX A50 stands out with digital receipts emailed to customers, making it an eco-friendly choice. The machine’s 8-hour battery life ensures it can keep up with a full day’s trading. Pricing is clear and transparent: £9.99 + VAT per month, with the first six months free for new customers processing over £100k annually. Transaction fees start at 1.39% + 5p for UK/EU personal cards and 1.99% + 5p for business or international transactions.Ideal for small businesses looking for a light, easy-to-use card reader, the PAX A50 provides an upfront pricing structure with no hidden fees. However, it’s only available to new Tyl customers, and the lack of printed receipts may not suit all businesses.
Tyl Card Machine Features
- Compact & lightweight (163g), similar to a smartphone
- Works via Wi-Fi, 3G/4G, and Bluetooth
- Supports contactless, chip & PIN, and digital wallets
- No need for extra apps – standalone device
- Paperless receipts emailed to customers
- Tyl Portal access for real-time sales and settlements
- 8-hour battery life for all-day use
Tyl (by NatWest) PAX A50 Pros and Cons
Pros ✅
- Super portable – ideal for businesses on the move
- Easy to use – intuitive touchscreen with no app required
- No hidden fees – clear, upfront pricing
- Eco-friendly – digital receipts reduce paper waste
- 6-month free hire for high-turnover businesses
Cons ❌
- New customers only – not available for existing Tyl users
- No printed receipts – digital-only may not suit all businesses
- Early cancellation fees – 12-month minimum contract
Tyl PAX A50 Pricing
| Charge | Cost |
|---|---|
| Hardware Cost | £9.99 + VAT per month (first 6 months free for high-turnover businesses) |
| Transaction Fee (UK/EU Personal Cards) | 1.39% + 5p per transaction for businesses with an annual card turnover of up to £50K. Custom rates are available for larger volumes. |
| Transaction Fee (Business/International Cards) | 1.99% + 5p per transaction for businesses with an annual card turnover of up to £50K. Custom rates are available for larger volumes. |
| PCI Compliance Fee | Only if additional security is required |
Dojo Go Card Machine
Card Machine Type: Mobile
Best For: Flexibility
Hardware Cost: From £179 upfront or £15/month
Transaction Fee: From 1.2% (fixed) or bespoke rates based on turnover
Customer Support: Business hours
Visit Brand: Visit Dojo
The Dojo Go card reader is built for speed, reliability, and flexibility, making it ideal for businesses that need fast payments and next-day payouts. It processes transactions 50% faster than the industry average, reducing customer wait time and speeding up checkout. With a 10-hour battery life, it’s also portable enough for mobile businesses or busy venues, and mobile connectivity means you’re never tied to Wi-Fi.
The next-day payouts are a standout feature—they are available even on weekends and holidays with no extra fees. Plus, Dojo offers 99.99% uptime and point-to-point encryption for secure payments. Pricing is flexible, with a fixed rate of 1.2% or bespoke pricing based on your turnover. You can also choose between a 12-month contract with a price guarantee or a rolling 30-day contract.Dojo Go integrates with over 600 EPOS systems, and if you prefer mobile payments, the Tap to Pay on iPhone feature allows you to process payments without any extra hardware.
Dojo Go Card Reader Features
- Super-fast transactions – 50% faster than the industry average
- Next-day payouts – Even on weekends and bank holidays
- Portable & lightweight – 10-hour battery life, mobile connectivity
- Accepts all major cards and mobile payments – Visa, Mastercard, Amex, Google Pay, Apple Pay
- 24/7 UK-based support – Quick response times
- PCI compliance – Managed through the app
Dojo Go Card Reader Pros & Cons
Pros ✅
- Lightning-fast transactions – Keeps queues short
- Free next-day payouts – Quick access to your funds
- No Wi-Fi? No problem – Mobile connectivity keeps you going
- Exit fees covered – Up to £3,000 if switching from another provider
- Flexible pricing & contracts – Monthly or fixed 12-month plans
- Tap to Pay on iPhone – No extra hardware needed
Cons ❌
- Not the cheapest hardware – From £179 or £15/month
- Monthly contract option – Only available to businesses with £100k+ turnover
- Bespoke pricing – Requires a quote for exact rates
Dojo Go Pricing
| Charge | Cost |
|---|---|
| Hardware | From £179 (outright) or £15 monthly |
| Transaction Fee | From 1.2% (fixed) or bespoke rates |
Barclaycard Smartpay Anywhere Card Machine
Card Machine Type: Mobile
Best For: Brand Familiarity
Hardware Cost: £29 + VAT
Transaction Fee: 1.6% (pay-as-you-go) or personalised pricing for high-volume businesses
Customer Support: 8am-6pm Mon-Fri
Visit Brand: Visit Smartpay Anywhere
Smartpay Anywhere is a simple, cost-effective card reader ideal for businesses that need a contract-free solution with no ongoing fees. For just £29 + VAT, you get a compact, easy-to-use reader that connects to your smartphone or tablet via the Smartpay Anywhere app. Pay-as-you-go pricing means you only pay the 1.6% transaction fee when you process a payment, which makes it perfect for seasonal traders, market stalls, and mobile businesses.
The reader offers next-day payouts (if processed before 7 pm), keeping cash flow healthy. The app doesn’t just handle payments but also allows you to track sales, send receipts, apply discounts, and manage admin. Plus, you get a free FreshBooks account, making bookkeeping and tax returns a breeze.
An online dashboard provides real-time reporting, and the reader works with all major cards and digital wallets, including Apple Pay and Amex. Support is available 24/7 from a UK-based team.
Personalised pricing is available for growing businesses, making this a flexible solution as their business expands. Smartpay Anywhere is an excellent entry-level option for low-cost, commitment-free card payments.
Smartpay Anywhere Reader Features
- One-off cost – £29 + VAT, no ongoing fees
- 1.6% pay-as-you-go transaction fee – Only pay when you trade
- Accepts all major cards & digital wallets – Including Apple Pay and Amex
- Next-day payouts – Free for transactions processed before 7 pm
- Track sales & manage admin – Through the Smartpay Anywhere app
- Free FreshBooks account – For easier bookkeeping
- 24/7 UK-based support – Help whenever you need it
Smartpay Anywhere Pros and Cons
Pros ✅
- Low-cost entry – £29 + VAT, no ongoing fees
- Pay-as-you-go pricing – No contracts or fixed costs
- Fast payouts – Get your money the next day
- Free accounting integration – FreshBooks access included
- 24/7 customer support – Always available when you need help
- Works with iOS & Android – Easy mobile connectivity
Cons ❌
- 1.6% fee – May not be competitive for high-volume businesses
- No built-in connectivity – Requires a smartphone or tablet
- Settlement terms vary – Transactions must be processed before 7 pm for next-day payouts
Smartpay Anywhere Pricing
| Charge | Cost |
|---|---|
| Hardware | £29 + VAT |
| Transaction Fee | 1.6% (pay-as-you-go) or personalised rates |
Reduced costs: The regulations are designed to make card reader services more competitive, which could lead to lower costs for businesses.
More flexibility: The shorter contract lengths and reduced early termination fees give businesses more flexibility to switch to a different provider if they find a better deal.
Improved customer service: The regulations require providers to be more responsive to customer inquiries and to resolve any issues quickly and efficiently.
Best Card Machines for Charities
When choosing a card machine for a charity, it is important to be aware of the sector-specific limitations imposed by some providers. Not all card machine companies allow for donations, which can exclude non-profits, community groups, and individual fundraisers from their list of acceptable clients.
However, there are a few providers that offer more flexibility for charitable organisations. For example, SumUp is happy to work with non-profits. Square accommodates charities by allowing them to sign up under the ‘Partnership’ option, which enables them to link a bank account to receive donations. Zettle also supports charitable donations, but limits them to transactions where the cardholder is present.
Best Card Machine for Market Stall
In a bustling market environment, quick and efficient transactions are crucial. Here are some of the top card reader contenders for market traders, and what they offer:
- Zettle is a popular choice for market traders thanks to its versatility and competitive pricing. It is compatible with a wide range of payment methods, including chip and PIN, contactless, and Apple Pay. Zettle also offers a range of features that are designed to make it easy for market traders to accept payments, such as a mobile app.
- SumUp is known for its low fixed card rate, which can help traders to maximise their profits. SumUp also offers a range of useful features including a mobile app.
- Square is a good option for market traders looking for a budget-friendly option. It offers a free card reader and a mobile app that makes it easy to accept payments. There are also features to help market traders grow their businesses, such as the ability to accept online payments and the ability to create loyalty programs.
Best Card Machine for Festivals
Festivals are a great place to sell your wares, but they can also be a logistical nightmare – you might be in a field with no Wi-Fi connection. A slow or unreliable card reader can mean lost sales, so it’s important to choose the right one.
SumUp Solo is a great option for festivals. It’s a small, portable card reader that’s easy to set up and use. It can connect to Wi-Fi or unlimited mobile data with the built-in SIM card.)
SumUp Air is also very affordable. The one-time purchase price is £79 + VAT, there’s no monthly fee and a competitive transaction fee.
Here are some of the features that make SumUp Air a great choice for festivals:
- Ability to manage multiple employee accounts: Ideal for large festivals with multiple vendors
- Connectivity: Can be powered by a built-in SIM card.
- Competitive transaction fees: Rates start at just 0.99% for SumUp One members.
- Accepts contactless payments: No need to insert cards
- Built-in product catalogue software: Easily keep track of your inventory
- Optional printer & charging dock: Keep your reader charged up on the go with the optional printer that doubles up as a battery pack.
Best Card Machine for Pubs
When you’re running a busy pub, you need to be able to take payments quickly and efficiently. A slow or unreliable card machine can mean lost sales, so it’s important to choose the right one.
SumUp Solo is a great option for pubs. It’s a small, portable card reader that’s easy to set up and use. It promises up to eight hours of battery life, and comes with its own charging station.
SumUp Solo is also affordable. The one-time purchase price is £79 (or choose the model that can also print receipts for £139). Transaction fees are competitive and there’s no monthly fee.
Here are some of the features that make SumUp Solo a great choice for pubs:
- Easy to set up and use: Even if you’re not tech-savvy, you can get up and running quickly
- Low transaction fees: Rates start at just 0.99% for SumUp One members, or 1.69% on the Pay-As-You-Go plan.
- No long-term contracts: Cancel your subscription at any time
- Accepts contactless payments: No need insert cards
- Durable and reliable: Can withstand the rigours of a busy pub environment
How Does a Card Machine Work?
Card machines enable secure electronic fund transfers from customers to businesses. These devices act as a digital bridge, facilitating transactions in seconds.
There are three key stages to the process:
- Authorisation: When a customer presents their card, the machine reads the information and sends it to a payment processor. The processor checks with the customer’s bank to ensure sufficient funds or credit.
- Confirmation: Upon approval, the machine confirms the transaction, often with a message or receipt. At this point, funds are reserved but not transferred.
- Settlement: Usually at day’s end, authorised transactions are batch-processed, moving funds from the customer’s bank to the business account.
Modern card machines incorporate robust security features like encryption and tokenisation to protect sensitive data. They accept various payment methods, including chip and PIN, contactless, and mobile payments.
To function, these devices require a stable internet connection via Ethernet, Wi-Fi, or mobile data.
Features to Consider When Choosing a Card Machine
| Feature | Description |
|---|---|
| Payment methods supported | The different types of payments that the card machine can accept, such as magnetic stripe, chip and PIN, and contactless payments. |
| Speed of processing | The time it takes for the card machine to process a payment. |
| Connectivity options | The types of internet connections that the card machine can use, such as Ethernet, Wi-Fi, or mobile data. |
| User interface | The ease of use of the card machine’s interface for both employees and customers. |
| Portability | Whether the card machine is portable and can be moved easily. |
| Integration capabilities | The ability to integrate the card machine with other business systems, such as inventory management or accounting software. |
| Hardware durability | The ability of the card machine to withstand physical wear and tear. |
| Scalability | The ability of the card machine to grow with the business, such as by handling a larger volume of transactions or supporting additional payment methods. |
| Reporting and analytics | The ability of the card machine to provide reports on sales trends, payment types, and customer behavior. |
How Much Do Business Card Machines Cost?
The costs can be broadly divided into two categories: upfront hardware costs and ongoing transaction fees.
Upfront Hardware Costs
The initial investment in a card machine varies considerably between brands and models. Some offer competitive pricing, with costs starting as low as £19 + VAT (Square Reader), while others require custom quotes based on your specific needs (e.g. Ingenico and Verifone models). It’s vital to balance the upfront cost with the features and long-term viability of the machine.
Ongoing Transaction Fees
You’ll incur transaction fees with every card payment processed. These fees range from fixed percentages (e.g. 1.75% with Zettle Reader 2) to variable rates depending on the type of transaction (e.g. Revolut Reader). It’s essential to understand the complete fee structure, including any additional costs for premium services or high-volume transactions.
Bundled Pricing
Some vendors offer bundled pricing that includes the hardware and a set number of transactions for a monthly or yearly fee. While this can simplify budgeting, ensure that the package aligns with your average transaction volume to avoid overpaying. Make sure you can change your package easily if the needs of your business change.
Contractual Obligations
Some providers may offer lower transaction fees in exchange for long-term contractual commitments. However, be cautious of long-term contracts that may come with early termination fees. Some providers offer more flexible terms, allowing you to change or cancel your plan without incurring additional costs.
Additional Costs
Keep an eye out for other potential costs, such as setup fees, monthly maintenance fees, or charges for international card payments, chargebacks or premium customer support. These can add up over time and should be factored into your overall budget.
Card Machine Transaction Fees
Transaction fees are levied by the payment processor for each transaction processed through the card machine. These fees can significantly affect your business’s profitability so it’s important to find a provider offering a competitive fee structure that also aligns with how your business will use the card reader.
Fixed Percentage Fees
Some card machines charge a fixed percentage fee per transaction. For example, the Zettle Reader 2 charges a consistent rate of 1.75% for all transactions. This straightforward model offers predictability but may not always provide the best value for high-volume businesses.
Tiered or Sliding Scale Fees
Certain providers implement a tiered or sliding-scale fee structure, where the transaction fee decreases as the volume of transactions increases. This model could be advantageous for businesses that experience significant transaction volumes or are growing fast.
Variable Fees Some machines, like the Revolut Reader, have a variable fee structure that depends on the type of transaction. In-person transactions may have a different rate compared to online transactions, requiring a comprehensive understanding of your business’s transaction profile
How Secure are Business Card Machines?
With cyber fraud at an all-time high, you’ll want to ensure your card machine delivers state-of-the-art security, as follows:
| Security feature | Description |
|---|---|
| End-to-end encryption | The process of encrypting data at the point of entry and decrypting it only at the point of exit, ensuring that the data is protected throughout its journey. |
| PCI compliance | The adherence to the Payment Card Industry Data Security Standard (PCI DSS), a set of security standards designed to protect cardholder data. |
| Tokenisation | The process of replacing sensitive card data with a unique identifier or token, which can then be used to process payments without exposing the underlying card data. |
| Secure customer authentication | The use of multiple factors to authenticate a customer during a payment transaction, such as a PIN, fingerprint, or facial recognition. |
| Software updates | The regular release of new software versions to address security vulnerabilities and improve the overall security of the card machine. |
| Physical security | The use of physical security measures to protect the card machine from unauthorised access, such as tamper-evident seals and remote disabling. |
| Vendor reputation | The reputation of the card machine provider in the market, which can be an indicator of the quality of the security features offered. |
Tips for Choosing the Right Business Card Machine
When choosing a card machine for your business, there are many factors to consider, such as the features, costs, transaction fees, security, and customer support. Here are some tips to help you make the best decision:
- Assess your business needs. What type of business do you run? What is your average transaction volume? What payment methods do you need to accept? Once you understand your needs, you can start narrowing down your options.
- Consider the total cost of ownership. The upfront cost of a card machine is just one factor to consider. You also need to factor in the transaction fees, monthly fees, and any other potential costs.
- Choose a machine that can grow with your business. As your business grows, you may need to upgrade your card machine. Make sure to choose one that can handle your future needs.
- Test and demo the machine. Before you buy a card machine, try it out in person. This will give you a chance to see how it works and make sure it’s a good fit for your business.
- Read reviews from other businesses. Online reviews from companies like yours can highlight advantages or snags to particular card readers that you may not have considered.
- Check the warranty and service agreement. Make sure you understand the terms of the warranty and service agreement before you buy a card machine. This will protect you in case something goes wrong.
- Be wary of long-term contracts. Some card machine providers offer long-term contracts with high cancellation fees. Avoid these contracts if you can in case the needs of your business change over time.
- Consider the vendor’s reputation. Choose a card machine provider with a good reputation and a history of providing good customer service.
Our Methodology for Testing Business Card Readers
The Business Expert team aims to go above and beyond in reviewing and comparing business products to make your life easier.
Our technical assessment began with the ease of setup and user interface, measuring the time required for installation and gauging software intuitiveness. We then performed a series of transactions to test speed and reliability across different payment methods and network conditions.
Security compliance with PCI DSS (the Payment Card Industry Data Security Standard) was verified, and we engaged with customer support teams to assess their responsiveness and expertise. Finally, we consulted with business owners and industry experts for insights into long-term performance and scalability.
Business Card Payment Machine FAQs
Do I need a business bank account to use a card machine?
Yes, most providers require you to have a business bank account, but there are some – for example SumUp – which allow sole traders to apply with their personal bank account.
Can I switch card machine providers easily?
The ease of switching providers depends on the terms of your contract, including any lock-in periods or termination fees. Always read the contract carefully and consider the flexibility it offers before making a commitment.
How do I set up my business card reader?
The setup process varies depending on the manufacturer and model of your card reader. Generally, you’ll need to connect the device to your network and follow the on-screen prompts. Some providers offer setup support as part of their customer service package.
Can my business card reader accept contactless payments and digital wallets?
Most modern card readers support contactless payments and digital wallets like Apple Pay and Google Pay.
Are there monthly or annual fees associated with using a business card reader?
Some card reader providers charge ongoing fees for software or additional services. Be sure to check all potential costs before you sign up.
Can I process payments offline with my business card reader?
Certain card readers offer an offline mode, storing transactions to be processed once a connection is restored. Verify this feature if your business operates in locations with unreliable internet connectivity.
How quickly can I access funds processed through my business card reader?
The speed at which funds are transferred to your account can vary depending on your payment processor. Some offer instant or same-day payouts, which may influence your choice of business card reader.
Can multiple employees operate the same business card reader?
Yes, most business card readers allow multiple users and can even track transactions by individual employees. This feature is particularly useful for businesses that require detailed transaction reporting.
Is additional software required to operate a business card reader?
Some business card readers function as standalone units, while others may require integration with point of sale (POS) systems or other business software. Confirm with your provider whether additional software is necessary for your business card reader.
Can I issue refunds directly through my business card reader?
Most business card readers support refunds. However, your ability to issue refunds may depend on your payment processor’s policies, so be sure to confirm this functionality when selecting a machine.
Is there a transaction amount limit on my business card reader?
Transaction limits can vary between different providers and may be influenced by the type of business you operate, so look into any limits set by the provider you’re interested in.
