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  • Accept card payments – lowest rates from 0.27%
  • Keep your card processing fees to a minimum
  • Direct access to the UK’s leading card processing banks
  • We ensure your rates always remain competitive
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Card Machines

Card machines (also known as PDQ machines or card terminals) allow businesses to accept debit, credit, and contactless payments securely. Whether you run a shop, restaurant, market stall, or mobile service, choosing the right card machine can streamline transactions and improve customer experience.

Types of Card Machines

1. Countertop Terminals

  • Fixed wired or wireless terminals ideal for retail stores, pubs, and restaurants

  • Connect via broadband, WiFi, or SIM card

  • Often include advanced features like tipping options and inventory integration

2. Portable & Mobile Terminals

  • Wireless devices with battery power (4G/Bluetooth)

  • Perfect for table service, delivery businesses, and pop-up shops

  • Lightweight with touchscreen or compact keypad designs

3. Mobile Card Readers

  • Compact, smartphone-connected devices (e.g., SumUp, Zettle)

  • Affordable, no long-term contracts

  • Best for small businesses, sole traders, and market vendors

4. Smart POS Systems

  • All-in-one solutions with payment processing + business tools

  • Include features like staff management, loyalty programs, and analytics

Key Features to Consider

✔ Payment Types Accepted – Chip & PIN, contactless (up to £300), mobile wallets (Apple/Google Pay), and sometimes even QR codes
✔ Connectivity – 4G, WiFi, or Ethernet for reliable transactions
✔ Speed & Performance – Fast processing to reduce queue times
✔ Security – PCI DSS compliant with end-to-end encryption
✔ Integration – Works with your existing POS, EPOS, or accounting software

Costs of Card Machines

  • Purchase or Lease – Buy outright (£100-£500) or rent monthly (£10-£30)

  • Transaction Fees – Typically 1.5%-2.75% per transaction (lower for debit cards)

  • No Contract vs. Long-Term Deals – Some providers offer pay-as-you-go, while others require 12-48 month commitments

Best Card Machine Providers in the UK

  • Worldpay – Reliable, feature-rich terminals for all business types

  • Barclaycard – Competitive rates with next-day funding

  • SumUp / Zettle – Low-cost mobile readers for small businesses

  • Square – All-in-one POS with integrated payments

  • Dojo – Fast, next-day settlements and no long-term contracts

Which Card Machine is Right for You?

  • Retail / Hospitality → Countertop or smart POS systems

  • Delivery / Mobile Services → Portable 4G terminals

  • Market Traders / Small Businesses → Mobile card readers

Future Trends in Card Machines

  • More contactless & mobile payments – Over 90% of UK card transactions are now contactless

  • Advanced POS integrations – Inventory, loyalty, and staff management in one system

  • Sustainability – Solar-powered and recyclable terminals