Revolut card reader review
Revolut no longer sells its card reader: in-person payments now run on the Revolut Terminal (£169 + VAT) or the Lite Terminal (£129 + VAT). The rate is the draw, 0.8% + 2p on UK personal cards, and it is among the lowest published rates we track, as long as most of your customers pay with personal cards and you are happy banking with Revolut.
Verdict
Strong value for a small business that already uses, or would happily use, Revolut Business as its account. Less so if you need a separate high-street bank account anyway, because the plan fee then sits on top, and business or overseas cards cost 2.6% + 2p.
Shops, cafés and mobile trades on Revolut Business, mostly UK personal cards
You want a terminal you can rent monthly, or phone support
Checked 1 November 2026 on Revolut’s payment acceptance pricing, plans page and help centre. No rating: we review published terms, not our own use.
What happened to the Revolut Reader
Revolut no longer sells the Revolut Reader. Readers already bought still work, but a customer who never had one cannot connect one to their account. If you searched for a Revolut card reader, the product you can buy today is a terminal: a handheld device with its own screen and built-in point of sale software, bought once rather than rented.
Revolut card machine fees
Revolut publishes every in-person rate. These apply to the Revolut Terminal, Lite Terminal, POS and Tap to Pay on iPhone.
| Card type (in person) | Revolut fee |
|---|---|
| UK personal Visa and Mastercard | 0.8% + 2p |
| UK business Visa and Mastercard | 2.6% + 2p |
| All international cards | 2.6% + 2p |
| American Express, UK personal | 1.7% + 2p |
| Revolut Pay | 0.5% + 2p |
| Tap to Pay on iPhone | an additional 8p per payment |
| Revolut Terminal | £169 + VAT, one-off |
| Lite Terminal | £129 + VAT, one-off |
| Chargeback | £15 per chargeback, refunded if the dispute is ruled in your favour |
Source: revolut.com payment acceptance pricing, checked 1 November 2026. No set-up or maintenance fee; no fee for refunds.
You need a Revolut Business plan
The pricing page says the monthly fee is included with Revolut Business plans. That is true in the sense that there is no separate charge for the terminal, but you do need a plan:
- Basic: from £10/month
- Grow: from £30/month
- Scale: from £90/month
Prices are "from" figures on Revolut’s plans page; Enterprise is custom. If Revolut would be your main business account, count the plan as banking. If you keep a high-street account as well, count it as a card payment cost, as we do below.
Worked example: the £5,000 a month shop
Revolut adds 2p to every sale, so the sum needs a sale count. The house example takes £5,000 a month; we assume a £20 average sale, so 250 sales.
- All UK personal cards: £5,000 × 0.8% + 250 × 2p = £45.00, plus the Basic plan £10.00 = £55.00
- With one pound in five on business or overseas cards: £4,000.00 × 0.8% + £1,000.00 × 2.6% + £5.00 = £63.00, plus £10.00 = £73.00
- SumUp pay as you go (1.69%): £5,000 × 1.69% = £84.50
- Dojo (1.2% blended, Dojo Wired rented): £5,000 × 1.2% = £60.00, plus £15.00 for the Dojo Wired = £75.00
The average sale and card mix are our assumptions, not Revolut figures. Add the Lite Terminal once (£129 + VAT). Taking every sale by Tap to Pay instead saves the hardware but adds 250 × 8p = £20.00 a month.
Revolut stays cheapest of the three at this mix, but the margin over a rented Dojo terminal is small once business cards climb. A café selling £3 coffees would see the 2p per sale matter more than our £20 assumption suggests, so run it on your own sale count. Our free statement review will do it for you.
Pros and cons
Pros
- 0.8% + 2p on UK personal cards, published
- Terminals bought once, with no monthly rental
- 24-hour settlement into your account
- Refunds free; chargeback fee returned if you win
Cons
- 2.6% + 2p on business and overseas cards
- Revolut Business plan needed, from £10/month
- The cheap Reader has been discontinued
- Support is in-app rather than a phone line
Revolut alternatives
For a terminal you can rent and a single blended rate, see Dojo vs Revolut. For the other low-rate app, read the Lopay review. Revolut’s short profile is at /providers/revolut-business, and every headline rate sits in the card machine rates table.
Compare Revolut with a quote on your card mix
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Revolut card machine questions
Can I still buy a Revolut card reader?
No. Revolut no longer sells the Revolut Reader. Readers already bought still work, but a customer who never had one cannot connect one to their account. In person you now use the Revolut Terminal (£169 + VAT), the Lite Terminal (£129 + VAT) or Tap to Pay on your phone.
What does Revolut charge for card payments in person?
0.8% + 2p on UK personal Visa and Mastercard cards, 2.6% + 2p on UK business cards and 2.6% + 2p on all international cards. American Express personal cards are 1.7% + 2p. Tap to Pay on iPhone adds an additional 8p per payment.
Is there a monthly fee for the Revolut Terminal?
No separate terminal fee: the terminal is a one-time hardware cost (bought, not rented). But you need a Revolut Business plan, and the plans page starts at £10/month (Basic).
How fast does Revolut pay out?
24-hour settlement ("next-day access to your earnings"), subject to Revolut’s payment processing terms. The money lands in your Revolut Business account.
Is Revolut cheaper than SumUp?
At £5,000 a month with one pound in five on business or overseas cards, Revolut costs £73.00 including the Basic plan, against £84.50 on SumUp’s 1.69%. If you would pay for a business account anyway, the gap is wider.