In an era where cashless transactions dominate the business landscape, selecting the right card machine is crucial for small businesses aiming to streamline payment processes.
This comprehensive review delves into 15 prominent card machines available in the UK market, offering an in-depth analysis of their features, costs, transaction fees, setup, and suitability for various business sizes.
From industry giants to innovative newcomers, each card machine brings its unique set of advantages and considerations. Whether you're a startup seeking affordability, a growing business in need of advanced features, or an established enterprise requiring bespoke solutions, this review aims to be your go-to resource for navigating the diverse landscape of card machines.
Discover the intricacies of Square, Zettle, SumUp, Worldpay, Revolut, MyPOS, Dojo, Barclaycard, TakePayments, Elavon, Handepay, Paymentsense, Verifone, Ingenico, and DoJo Go. By providing a detailed breakdown of their pros, cons, and key features, this review aims to empower business owners to make informed decisions tailored to their unique needs.
As the financial technology market evolves, understanding the intricacies of these card machines becomes paramount. Join us on this journey of exploration and evaluation, where we aim to unravel the complexities, unveil the nuances, and assist you in finding the best-suited card machine for your business, fostering seamless and efficient transactions in the modern business landscape.
Each card machine has its unique strengths and may cater to different scenarios.
Here's a general summary to guide help your decision:
The "best" card machine depends on factors like transaction volume, desired features, budget constraints, and business size. It's recommended to carefully review each option, consider specific business needs, and potentially reach out to the providers for additional information or tailored solutions.
Below we have reviewed each card machine reader to help you choose the best card machine for your business.
About the Card Machine:
Square is a prominent payment processing solution for small businesses, providing a range of card machines designed to streamline transactions. The card readers are compact, user-friendly, and tailored to meet the requirements of various businesses.
Features:
Models:
Model | Description |
---|---|
Square Reader for Magstripe | Basic card reader for magstripe cards. |
Square Reader for Contactless and Chip | Supports contactless and chip card payments. |
Square Terminal | An all-in-one payment device with a built-in display and receipt printer. |
Square Stand | A stand that turns an iPad into a complete point-of-sale system. |
Costs:
Model | Price (GBP) |
---|---|
Square Reader for Magstripe | £19 |
Square Reader for Contactless and Chip | £59 |
Square Terminal | £199 |
Square Stand | £169 |
Transaction Fees:
Transaction Type | Fee |
---|---|
In-person (swiped, dipped, or tapped) | 1.75% per transaction + 10p |
Keyed-in (manually entered) | 2.5% per transaction + 10p |
Setup & Monthly Fees:
Fee | Amount |
---|---|
Setup Fee | None |
Monthly Fee | None |
Pros & Cons:
Pros | Cons |
---|---|
Easy to set up and use | Transaction fees may be higher for certain businesses |
Versatile range of models | Limited advanced features compared to some competitors |
No monthly fees | Limited offline mode functionality |
Best Suited For:
Square card machines are well-suited for small businesses, pop-up shops, and businesses with low to moderate transaction volumes in the UK. The variety of models makes it adaptable to various industries.
Summary:
Square offers a user-friendly and cost-effective solution for small businesses in the UK looking to accept card payments. The range of card machines caters to different needs, and with no monthly fees, it provides a straightforward payment processing option. While transaction fees may vary for specific businesses, Square remains a popular choice for many UK entrepreneurs.
Please note that specific details such as fees may vary, and it's recommended to check Square's official UK website for the most up-to-date information.
About the Card Machine:
SumUp is a popular payment processing solution that offers a range of card readers to cater to the needs of small businesses. The SumUp Card Reader is designed to provide a simple and efficient way for businesses to accept card payments.
Features:
Models:
Model | Description |
---|---|
SumUp Air | Compact card reader for contactless and chip payments. |
SumUp 3G/WiFi Card Reader | Standalone reader with built-in 3G and WiFi connectivity. |
SumUp Plus | Card reader with a built-in display for added user interaction. |
Costs:
Model | Price (GBP) |
---|---|
SumUp Air | £29 (excluding VAT) |
SumUp 3G/WiFi Card Reader | £99 (excluding VAT) |
SumUp Plus | £99 (excluding VAT) |
Transaction Fees:
Transaction Type | Fee |
---|---|
In-person (swiped, dipped, or tapped) | 1.69% per transaction |
Keyed-in (manually entered) | 2.95% per transaction |
Setup & Monthly Fees:
Fee | Amount |
---|---|
Setup Fee | None |
Monthly Fee | None |
Pros & Cons:
Pros | Cons |
---|---|
Competitive transaction fees | Limited offline mode functionality |
No monthly fees | Additional charges for international cards |
User-friendly mobile app | Limited advanced features compared to some competitors |
Best Suited For:
SumUp card readers are suitable for a wide range of small businesses in the UK, including mobile businesses, market traders, and small retail stores. The variety of models allows businesses to choose based on their specific needs.
Summary:
SumUp provides an affordable and user-friendly solution for small businesses in the UK looking to accept card payments. With competitive transaction fees, no monthly fees, and a variety of card reader models, SumUp is a popular choice for businesses with moderate transaction volumes. While it may lack some advanced features, it offers a straightforward and cost-effective payment processing solution.
Please note that specific details such as fees may vary, and it's recommended to check SumUp's official website for the most up-to-date information.
About the Card Machine:
Worldpay, now owned by FIS, is one of the largest payment processors in the UK, offering a range of card machines to accommodate various business needs. The Worldpay Mobile card reader is designed for businesses with moderate to high monthly card transaction volumes.
Features:
Costs:
Plan | Cost (GBP) |
---|---|
Fixed Monthly Plan | At least £49.99 per month (includes transactions up to a set limit). |
Custom Plan | At least £17.95 per terminal rental per month, plus transaction fees (varies based on volume). Additional £9.99 per month for accepting payments by phone. |
Transaction Fees:
Transaction Type | Fee Structure |
---|---|
Varies based on volume and plan. |
Setup, Monthly Fees & Contract:
Add-ons & Accessories:
None listed on the website, but Worldpay Mobile is compatible with many EPOS (Electronic Point of Sale) solutions.
Pros & Cons:
Pros | Cons |
---|---|
24/7 Customer Support | Non-transparent pricing |
Bespoke rates for larger businesses | Requires an 18-month contract |
Lower rates with higher transaction volume | Can only rent the card terminal |
Integration with other payment methods | Not suitable for very small businesses |
Exclusive rewards for merchants | Extra charge for accepting AMEX cards |
Highly rated on Trustpilot (4.6 out of 5) |
Best Suited For:
The Worldpay Mobile card reader, along with other Worldpay card terminals, is designed for businesses with at least £10,000 per month in card transactions. It is well-suited for larger small businesses that can benefit from bespoke rates and exclusive rewards.
Summary:
Worldpay Mobile offers a robust card processing solution for businesses with moderate to high transaction volumes. While the pricing may not be transparent, it can provide lower rates with increased transaction volume, making it a viable option for certain types of larger small businesses. The 24/7 customer support, integration capabilities, and exclusive rewards add to its appeal, though businesses should carefully consider the 18-month contract commitment.
Please note that specific details such as fees and features may be subject to change, and it's recommended to check the official Worldpay website or contact Worldpay's customer support for the most up-to-date information.
About the Card Machine:
The Tide Card Reader is a payment solution provided by Tide, a UK-based business banking service. The card reader is designed to complement Tide business accounts and facilitate seamless card transactions for small businesses.
Features:
Models:
Tide currently offers one primary card reader designed for a variety of business needs.
Model | Description |
---|---|
Tide Card Reader | All-in-one card reader supporting contactless and chip card payments. |
Costs:
Model | Price (GBP) |
---|---|
Tide Card Reader | Free for eligible Tide business account holders. |
Transaction Fees:
Transaction Type | Fee |
---|---|
In-person (swiped, dipped, or tapped) | 1% per transaction |
Keyed-in (manually entered) | 2% per transaction |
Setup & Monthly Fees:
Fee | Amount |
---|---|
Setup Fee | Free for eligible Tide business account holders. |
Monthly Fee | None |
Pros & Cons:
Pros | Cons |
---|---|
Free for Tide account holders | Limited features compared to some competitors |
Low transaction fees | Available only for Tide business account holders |
Integration with Tide accounts | Limited offline mode functionality |
Best Suited For:
The Tide Card Reader is best suited for small businesses in the UK that already use or plan to use Tide business accounts. It is ideal for businesses with low to moderate transaction volumes seeking a straightforward and integrated payment solution.
Summary:
The Tide Card Reader offers a cost-effective and integrated solution for small businesses in the UK. As a complementary service for Tide business account holders, it provides a convenient way to accept card payments with low transaction fees. While it may lack some advanced features, it serves as a practical choice for businesses looking for simplicity and integration with their banking services.
Please note that specific details such as fees and eligibility may vary, and it's recommended to check Tide's official website for the most up-to-date information.
About the Card Machine:
The Zettle card reader has rapidly gained popularity among UK small businesses as a leading mobile credit card machine. Owned by PayPal, it offers a range of features designed to facilitate quick and efficient card transactions.
Features:
Costs:
Model | Price (GBP) |
---|---|
Tide Card Reader | All-in-one card reader supporting contactless and chip card payments. |
Transaction Fees:
Transaction Type | Fee Structure |
---|---|
Card Payments (including AmEx) | Flat 1.75% per transaction |
Invoice Transactions | 2.5% |
Payment Link Transactions | 2.5% |
PayPal QR Code Transactions | 1.75% |
E-commerce | 2.5% |
Setup & Monthly Fees:
Fee | Amount |
---|---|
Set-up Fees | None (beyond buying the card reader) |
Monthly Fees | None (for regular GO account) |
Contract:
Add-ons:
Pros & Cons:
Pros | Cons |
---|---|
No monthly cost or contract | Minimum amount per transaction is £1 |
Competitive pricing | Other companies offer lower transaction fees |
Flat fee for all cards including AmEx | Requires specific phone models (iPhone with iOS 12 or higher, or Android phone with 5 or higher, Android 8 or higher recommended) |
Easily integrates with PayPal | Trustpilot rating of 2.4 out of 5 |
Summary:
The Zettle credit card machine stands out for its simplicity, transparency, and ease of use. With no monthly costs or contractual obligations, it appeals to new businesses and those uncertain about their usage levels. While not offering the lowest transaction fees, the flat fee for all cards, including AmEx, provides clarity. The integration with PayPal adds convenience for businesses already using the platform. Zettle's mobile credit card machine is a solid option for small businesses looking to initiate card payments with a straightforward and cost-effective solution.
For more details and to get started, visit the Zettle by PayPal website.
About the Card Machine:
Dojo Go is a recent entrant to the UK card machine market, owned by Paymentsense, one of the UK's largest payment processors. The Dojo Go card reader is designed to provide businesses with a comprehensive and integrated solution for card payments.
Features:
Model:
Dojo Go currently offers one model with the described features.
Model | Description |
---|---|
Dojo Go | Mobile card machine with integrated features. |
Costs & Monthly Fees:
Fee | Amount |
---|---|
Card Reader Cost | £20 per month (with free next working day delivery) |
Transaction Fees | 1.4% + 5p for businesses with under £150k turnover per year; Bespoke pricing for over £150k turnover per year. |
Contract | Monthly rolling for businesses earning over £150,000 per year; 6-month contract for businesses earning under £150,000 per year, then monthly rolling. |
Add-ons & Accessories:
Details about specific add-ons and accessories are not provided.
Pros & Cons:
Pros | Cons |
---|---|
Bespoke rates for businesses with high turnover | Terminal rental fee of £20 per month |
Low transaction fees | Only one model available |
Built-in printer for convenience | 6-month contract for businesses under £150,000 per year) |
Next-day transfers | Limited information on add-ons and accessories |
7-day UK tech support (8am – 11pm) |
Best Suited For:
Dojo Go is suitable for larger small businesses, especially those processing more than £150,000 in card transactions per year. It aims to provide cost-effective solutions with bespoke rates for businesses with higher turnover.
Summary:
Dojo Go offers an interesting choice for businesses in the UK, particularly those with higher card transaction volumes. With bespoke rates for larger businesses and low transaction fees for smaller businesses, it provides a flexible solution. The built-in features, such as a thermal printer and a 10-hour battery life, enhance convenience. However, potential users should consider the terminal rental fee and contract terms based on their business size and needs.
Please note that specific details such as fees and features may be subject to change, and it's recommended to check the official Dojo website or contact Dojo's customer support for the most up-to-date information.
About the Card Machine:
MyPOS is a relatively new entrant to the UK card machine market, offering a much wider range of readers than some competitors. It provides a variety of features, aiming to cater to different business needs.
Features:
Costs:
Model | Price (GBP) |
---|---|
MyPOS GO 2 Reader | £39 + VAT (£29 + VAT until 29/02/2024) |
MyPOS Go Combo | £179 + VAT |
MyPOS Pro | £229 + VAT |
Transaction Fees:
Transaction Type | Fee Structure |
---|---|
In-person (UK Consumer Cards) | 1.10% + £0.07 |
In-person (Other Consumer & Commercial Cards) | 2.85% + £0.07 |
Manually Entered (UK Consumer Cards) | 1.30% + £0.15 |
Manually Entered (Other Consumer & Commercial Cards) | 2.90% + £0.15 |
Card-Not-Present (Domestic & EEA Consumer Cards) | 1.30% + £0.15 |
Card-Not-Present (Other Consumer & Commercial Cards) | 2.90% + £0.15 |
MO/TO Payments | POS payment fee + 1.00% |
Setup & Monthly Fees:
Fee | Amount |
---|---|
Monthly Costs | None |
Contract:
Contract Details | Description |
---|---|
Long-Term Contract | No long-term contract |
Minimum Turnover | No minimum turnover requirement |
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
No contract or monthly fees | More complex fee structure |
Rates as low as 1.10% + £0.07 | No built-in printer on MyPOS Go |
Diverse range of machines | More expensive than Square Reader |
Customizable with unique accessories |
Best Suited For:
Summary:
MyPOS offers a diverse range of card machines with business-friendly features, no monthly fees, and a variety of transaction options. The absence of long-term contracts and customizable accessories make it suitable for businesses prioritizing flexibility and versatility. While the fee structure may seem more complex, the competitive transaction fee and range of features contribute to MyPOS's appeal in the mobile card reader market.
About the Card Machine:
The Revolut Reader, introduced by Revolut, is a relatively new addition to the market. Revolut is well-known for its business bank accounts, and the Revolut Reader complements its financial services by providing a straightforward solution for accepting card payments.
Features:
Cost & Monthly Fees:
Transaction Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Low transaction fees | Only available with a Revolut Business bank account |
Next-day access to funds | Limited model and features |
30-day money back guarantee | High rates for International & Commercial Cards |
Seamless integration with Nobly POS | Limited addons and accessories |
Best Suited For:
The Revolut Reader is well-suited for businesses looking for a low-cost option to start accepting card payments. It is especially attractive for those already using Revolut's business banking services.
Summary:
The Revolut Reader provides an affordable solution for businesses seeking simplicity and competitive transaction fees. With a focus on straightforward pricing and next-day access to funds, it caters to businesses with basic payment processing needs. However, it may not be the best fit for businesses requiring advanced features or those processing a significant number of international or commercial cards.
As the Revolut Reader is closely tied to having a Revolut Business bank account, businesses considering this option should evaluate the overall benefits of the banking services along with the card reader.
Please note that specific details such as fees and features may be subject to change, and it's recommended to check the official Revolut website or contact Revolut's customer support for the most up-to-date information.
About the Card Machine:
The Barclaycard Anywhere card reader, offered by Barclaycard, a part of Barclays Bank, presents a reliable choice with a focus on competitive transaction fees. While it may lack some add-ons, it stands out for its simplicity and cost-effectiveness.
Features:
Costs:
Model | Price (GBP) |
---|---|
Barclaycard Anywhere | £29 + VAT (Promotions may apply, check their website) |
Transaction Fees:
Setup & Monthly Fees:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Among the cheapest card machines on market | Does not accept AMEX cards |
Low fixed transaction fees | No built-in printer or other add-ons |
Summary:
The Barclaycard Anywhere card reader is a cost-effective solution, particularly suitable for businesses prioritizing simplicity and competitive transaction fees. With its focus on core functionalities, it provides a no-frills option for those who don't require additional features offered by competitors like Zettle, Square, or SumUP. While lacking certain add-ons, its affordability and low fixed transaction fees make it an attractive choice for businesses seeking a straightforward and budget-friendly card machine.
For more information or to get started, visit the Barclaycard Anywhere website.
About the Card Machine:
TakePayments, a provider offering various payment solutions for small businesses, includes a Mobile card machine in their repertoire. This solution is designed to cater to businesses seeking a traditional card terminal with the flexibility of mobile transactions.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Next day settlement | Non-transparent pricing |
Dedicated joining team | Contract required |
Rated 4.8 out of 5 on Trustpilot | Monthly fees |
Offers bespoke rates |
Summary:
TakePayments Mobile presents itself as a more traditional card terminal option, catering to businesses with a significant transaction volume. While it comes with monthly fees and a contractual commitment, it offers bespoke rates and next-day settlement, contributing to its appeal for businesses with specific processing needs. The solution is rated highly on Trustpilot, indicating positive user experiences. However, potential users should be aware of non-transparent pricing and the contractual obligations associated with TakePayments Mobile.
For more details or to explore their offerings, visit the TakePayments website.
About the Card Machine:
Elavon, a prominent payment solutions provider, offers a Mobile card machine as part of its services. Aimed at small businesses, this mobile solution provides flexibility and convenience in card transactions.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Wireless and contactless options | Lack of detailed cost and fee information |
Secure transactions | Limited information on contract and setup fees |
Fast and efficient processing | Lack of specified contract terms |
Lightweight and portable design | Lack of details about add-ons and accessories |
Summary:
Elavon's Mobile card machine is positioned as a solution for small businesses seeking flexibility and convenience in their card transactions. The wireless and contactless features enhance its appeal for businesses on the move. However, the lack of specific details regarding costs, transaction fees, setup fees, and contract terms makes it challenging to provide a comprehensive evaluation. Prospective users are encouraged to contact Elavon directly to obtain precise information tailored to their business needs.
For more information and to explore the offerings, visit the Elavon website.
About the Card Machine:
Handepay, a payment solutions provider, offers a Mobile card machine designed for small businesses. Geared towards providing convenience and efficiency, this mobile solution caters to businesses seeking flexibility in card transactions.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Wireless and contactless options | Lack of detailed cost and fee information |
Portable design for on-the-go use | Limited information on contract and setup fees |
Prioritizes secure transactions | Lack of details about add-ons and accessories |
Efficient processing |
Summary:
Handepay's Mobile card machine positions itself as a solution for small businesses aiming for flexibility and efficiency in card transactions. While featuring wireless and contactless options, the lack of specific details regarding costs, transaction fees, setup fees, and contract terms limits a comprehensive evaluation. Prospective users are encouraged to directly contact Handepay for precise information tailored to their business requirements.
About the Card Machine:
Paymentsense, a leading payment processor in the UK, offers a Mobile card machine as part of its range of solutions for small businesses. The Paymentsense Mobile card machine is designed to provide businesses with a convenient and integrated tool for processing card payments.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Wireless and contactless options | Lack of detailed cost and fee information |
Portable design for on-the-go use | Limited information on contract and setup fees |
User-friendly interface | Lack of specified contract terms |
Efficient processing | |
Integrated payments for efficiency |
Summary:
Paymentsense's Mobile card machine is positioned as a solution for small businesses seeking flexibility and efficiency in card transactions. While featuring wireless and contactless options, the lack of specific details regarding costs, transaction fees, setup fees, and contract terms limits a comprehensive evaluation. Prospective users are encouraged to directly contact Paymentsense for precise information tailored to their business requirements.
About the Card Machine:
Verifone, a well-established player in the payment solutions industry, offers a Mobile card machine designed for businesses in the UK. Geared towards providing reliable and efficient card transactions, the Verifone Mobile card machine aims to meet the needs of small and medium-sized enterprises.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Wireless and contactless options | Lack of detailed cost and fee information |
Portable design for on-the-go use | Limited information on contract and setup fees |
User-friendly interface | Lack of specified contract terms |
Prioritizes secure transactions | Lack of details about add-ons and accessories |
Efficient processing | |
Advanced payment capabilities |
Summary:
Verifone's Mobile card machine is positioned as a solution for small and medium-sized businesses seeking reliable and advanced payment capabilities. While featuring wireless and contactless options, the lack of specific details regarding costs, transaction fees, setup fees, and contract terms limits a comprehensive evaluation. Prospective users are encouraged to directly contact Verifone for precise information tailored to their business requirements.
For more information and to explore the offerings, visit the Verifone website.
About the Card Machine:
Ingenico, a globally recognized name in payment solutions, offers a Mobile card machine designed for businesses in the UK. The Ingenico Mobile card machine aims to provide small and medium-sized enterprises with a reliable and efficient tool for card transactions.
Features:
Cost:
Transaction Fees:
Setup & Monthly Fees:
Contract:
Add-ons & Accessories:
Pros & Cons:
Pros | Cons |
---|---|
Wireless and contactless options | Lack of detailed cost and fee information |
Portable design for on-the-go use | Limited information on contract and setup fees |
User-friendly interface | Lack of specified contract terms |
Prioritizes secure transactions | Lack of details about add-ons and accessories |
Efficient processing | |
Advanced payment capabilities |
Summary:
Ingenico's Mobile card machine is positioned as a solution for small and medium-sized businesses seeking reliable and advanced payment capabilities. While featuring wireless and contactless options, the lack of specific details regarding costs, transaction fees, setup fees, and contract terms limits a comprehensive evaluation. Prospective users are encouraged to directly contact Ingenico for precise information tailored to their business requirements.
For more information and to explore the offerings, visit the Ingenico website.
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Specific costs and fees are not provided for some services. It's advisable to check the official websites or contact the respective providers for the most up-to-date and detailed information. Additionally, individual business needs and preferences should guide the selection of a card machine.