Compare Card Machine Providers
Select up to 3 providers to compare side-by-side. Published rates checked on each provider's own site between 25 August 2026 and 1 November 2026; bespoke providers quote per business.
Selected: 0/3
Best Value
1.2% all-in under £100k/yr
Debit Card Rate
Monthly Fee:Minimum monthly payment not published
Contract:Minimum term per application; no closure fee in month one
Settlement:Next day
Best for: High volume businesses
SumUp
1.69% flat (in person)
Debit Card Rate
Monthly Fee:£0
Contract:None
Settlement:Next day
Best for: Small businesses & sole traders
Square
1.75% flat (in person)
Debit Card Rate
Monthly Fee:£0
Contract:None
Settlement:Next day
Best for: Businesses needing full POS
1.75% flat (in person)
Debit Card Rate
Monthly Fee:£0
Contract:None
Settlement:Typically within minutes, into a PayPal Business account
Best for: PayPal users & online sellers
Bespoke rates
Debit Card Rate
Monthly Fee:£15 minimum monthly service charge; other fees Not published
Contract:Not published; check contract
Settlement:Next day
Best for: Enterprise & multi-location
Clover
Bespoke rates (sold via partners)
Debit Card Rate
Monthly Fee:Software plans £0 to £59.95 a month per device
Contract:18 months minimum on software and devices
Settlement:Within four business days
Best for: Full-service POS needs
takepayments
Bespoke rates
Debit Card Rate
Monthly Fee:Not published
Contract:12-month contract advertised
Settlement:Next day
Best for: Flexible contracts
Bespoke rates
Debit Card Rate
Monthly Fee:£16 to £29 + VAT service fee per reader
Contract:Countertop and Portable readers: 18 months. Smartpay Touch: 12 months. Smartpay Anywhere: no contract
Settlement:Next day
Best for: Established businesses
From 0.8% + 2p in person (consumer cards)
Debit Card Rate
Monthly Fee:Included with Revolut Business plans
Contract:Not published; hardware bought outright
Settlement:Within 24 hours
Best for: Multi-currency businesses
1.75% up to £40,000 a year; 0.99% £40,000 to £200,000 a year
Debit Card Rate
Monthly Fee:£5 one-off card reader cost, or £15 to £18 a month terminal fee
Contract:12 month contract
Settlement:Set in your application
Best for: Mid-sized businesses
Not published (quoted per business)
Debit Card Rate
Monthly Fee:Not published; machines advertised from £14.99/month
Contract:No lock-ins advertised
Settlement:Next day, incl. weekends (Teya account)
Best for: Growing businesses
Not Sure Which to Choose?
Our expert team will analyse your transaction volume, business type, and needs to recommend the perfect provider. Free, no-obligation service.
0.29%
Lowest Rate Available
(lowest Dojo quote we have seen, volume dependent)
20-30%
Typical Saving by Switching
(varies with your card volume)
48hrs
Average Setup Time
(most providers)