Compare Card Machine Providers & Cut Your Fees
Independent UK comparisons for terminals and processing rates — find better fees in minutes.
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Simple process from application to setup in 3 easy steps
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Our experts analyze rates, terms, and hardware options from 80% of UK acquirers.
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Types of Card Machines for UK Businesses
Choose the right payment terminal for your business needs
Mobile Card Machines
Portable terminals that connect via 4G/5G mobile data. Perfect for businesses on the move or those without fixed premises.
Best For:
- • Delivery drivers & couriers
- • Market traders & pop-up shops
- • Mobile services (plumbers, cleaners)
- • Outdoor events & festivals
Key Features:
- • Built-in SIM card (no wifi needed)
- • Battery powered (8-12 hours)
- • Accepts chip & PIN, contactless, Apple/Google Pay
- • Receipt printer included
Countertop Terminals
Fixed terminals for checkouts and tills. Connect via broadband or phone line for fast, reliable transactions at point of sale.
Best For:
- • Retail shops & stores
- • Restaurants & cafes
- • Salons & spas
- • Any fixed checkout location
Key Features:
- • Ethernet or phone line connection
- • Fastest transaction speeds
- • Large screen for easy reading
- • Can integrate with EPOS systems
Portable Wi-Fi Terminals
Wireless terminals that connect to your business Wi-Fi. Move freely around your premises while staying connected.
Best For:
- • Restaurants (table service)
- • Hotels & hospitality
- • Large retail spaces
- • Warehouses with Wi-Fi
Key Features:
- • Connects to your Wi-Fi network
- • Battery powered for portability
- • Lower ongoing costs than mobile
- • Fast transactions when in range
Key Features to Compare When Choosing a Card Machine Provider
💰 Transaction Fees
The percentage charged per transaction. Typically 0.4%-2% for debit cards, 0.7%-2.5% for credit cards. Look for:
- • Blended vs interchange++ pricing
- • Different rates for debit/credit/business cards
- • Authorization fees (per transaction)
- • Minimum monthly service charges (MMSC)
📱 Connectivity Options
How the terminal connects affects reliability and cost:
- • 4G/5G: Works anywhere, no wifi needed (higher fees)
- • Wi-Fi: Uses your internet, lower ongoing costs
- • Ethernet: Fastest, most reliable for fixed locations
- • Bluetooth: Pairs with phone/tablet apps
📄 Contract Terms
Understanding your commitment is crucial:
- • Contract length (12-36 months typical)
- • Early termination fees (£250-£500)
- • Auto-renewal terms
- • Notice period for cancellation
- • PCI DSS compliance requirements
🛠️ Support & Hardware
Ongoing support matters for smooth operations:
- • 24/7 customer support availability
- • Hardware warranty (1-3 years)
- • Replacement turnaround time
- • Training & setup assistance
- • Dashboard & reporting tools
Not sure which type suits your business? Our comparison service helps you find the perfect match. Need working capital for new equipment? Check our merchant cash advance funding options.
Get Free Card Machine QuotesWhat To Consider When Choosing
Key factors to compare when selecting a card machine provider
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Launch CalculatorFeatured Card Machine Providers
We work with the UK's leading payment processors to find you the best rates and service for your business.
Worldpay
Enterprise-grade payment processing with advanced features and support.
Dojo
The UK most customer-centric payment provider - 150,000+ businesses, 4.6 Trustpilot, NPS 70.
Barclaycard Payments
Trusted banking heritage with comprehensive business payment solutions.
Zettle by PayPal
PayPal-powered payments with seamless integration and no monthly fees.
Elavon
Global payment processor with tailored solutions for all business sizes.
Lloyds Cardnet
Trusted payment processing from Lloyds Banking Group.
Revolut Business
Modern business banking with integrated payment processing.
Tyl by NatWest
Simple card payments from NatWest with transparent pricing.
Teya (formerly Saltpay)
European payment provider with competitive UK rates.
Trust Payments
Omnichannel payment solutions for growing businesses.
Worldline
European leader in payment services with global reach.
Adyen
End-to-end payment platform for ambitious businesses.
Compare Top Card Machine Providers
Get instant quotes from leading UK providers in 24 hours. Compare rates, features, and find the best match for your business.
| Provider | Best For |
|---|---|
| Worldpay | High-volume businesses |
| Dojo | UK restaurants & cafes (all sizes) |
| Barclaycard Payments | Established businesses |
| Zettle by PayPal | PayPal users |
| Elavon | Medium to large businesses |
Need Business Funding?
Get £5K-£500K based on your card sales. Fast decisions, flexible repayments. Options with & without personal guarantee available.
How Much Can You Borrow?
Get an instant estimate based on your card sales. No credit checks, no obligations.
Your monthly card sales:
£17,500
Your Funding Range
Estimated Repayment
* This is an estimate only. Actual funding amount depends on your business profile and lender approval. Representative example: £20,000 advance with 1.4 factor rate = £28,000 total repayment. 15% of card sales = ~9 month term.
Frequently Asked Questions
Everything you need to know about card machines
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