There’s a much wider choice of card machines today than just a few years ago. While before, you had to do with a chunky chip and PIN machine stationed at a counter, small businesses can now take advantage of mobile card readers that work just as well.

In this shortlist, we look at contactless payment machines suitable for businesses with card transactions of less than £40k per month.

Three of the options are more traditional card machines for a till, table-side payments or mobile use. They are rented on a monthly basis with contractual lock-in, but then you get fees tailored for your business.

The others are mobile card readers that work with or without an app. These are no-contract, affordable and without complicated fees – making it much easier for new or small businesses to start accepting cards. They have no monthly fees, just a fixed rate per transaction after purchasing the card machine.

A card machine, also called PDQ machine, is an electronic payment terminal that accepts debit cards, credit cards and mobile wallets through chip and PIN, contactless (NFC) or swipe (magnetic stripe).

Card payment machines come in different types and sizes.

The cheapest ones are card readers that connect with an app on a smartphone or tablet – they are reliant on the mobile device’s internet connectivity.

Traditional card machines with push-buttons come in countertop, portable and mobile variations and work without additional software.

Smart POS terminals with a touchscreen have more features, making them suitable as portable checkouts.

Card payment machines for small businesses:

Company Card
machine*
Costs Sign-up Key facts

Square


Square

£19–£149 (purchase) No monthly fee
No lock-in

Transaction fee
1.75%
Short online form, quick acceptance:

Best free POS and payment tools for all sales channels

SumUp


SumUp

£39–£129 (purchase) No monthly fee
No lock-in

Transaction fee
1.69%
Short online form, quick acceptance:

Cheapest standalone terminals and low fixed rate

Takepayments


Takepayments

£7.50+/mo (rental) 1- or 12-month contract
£0-£150 setup fee

Transaction fees
0.3%-2.5% + flat fee
Get quote, personalised onboarding:

Suited for £2k+/mo card turnover, tailored package, friendly service

Dojo


Dojo

£15-£20/mo (rental) 1- or 6-month contract
Monthly min. charge applies

Transaction fees
1.4%-1.8% + 5p
Get quote, start within a week:

Better for > £10k+/mo card turnover, short contracts, great terminal

Worldpay


Worldpay

£17.95+/mo (rental) 18-month contract
Mix of costs

Tailored transaction fees
Tailored quote, personalised onboarding:

Better fees for £250k+ annual sales, 24/7 support

myPOS


myPOS

£39–£209 (purchase) No monthly fee
No lock-in

1.1%-2.85% + 7p transaction fees
Online registration with verification steps:

Flexible, works across borders, with online account

Zettle


Zettle

£29–£199 (purchase) No monthly fee
No lock-in

Transaction fee
1.75%

Short online form, quick acceptance:

Ergonomic terminals, easy and simple app

Barclaycard


Barclaycard

£10+/mo (rental) 12-18 months’ contract
£150 setup fee

Tailored transaction fees
Get quote, online sign-up:

Better for existing Barclays customers with high turnover

*Prices exclude VAT.

We personally test the card machines with specific rating criteria in mind.

The most important criteria for card machines is whether it does its job well: accept card payments in person. We also give higher scores for a wide range of accepted payment methods, long battery life and features beyond the bare essentials. We assess:

  • The quality and features of the card machine
  • Whether pricing is fair and affordable and payout times are short
  • Whether the sign-up is easy and costs transparent
  • Value-added services, e.g. if online payments are part of the package
  • The quality and availability of customer support and the company’s user reviews
  • Contract length and cancellation process

Square – excellent free point of sale tools

Square
Our rating:
(4.3/5)

>> Our review

Pros:

  • Smallest reader, best free POS app

  • Many payment tools and integrations

  • No contract, no monthly fees

  • Easy sign-up, very user-friendly

Cons:

  • Only weekday support

  • Customer support can be slow

Square sells two card machines from its website: app-based Square Reader and freestanding Square Terminal with a touchscreen and receipt printer.

You only need to pay for the card machine upfront, then pay a fixed 1.75% per transaction. Refunds are free to process, should your customers request it.

Square Reader Square Terminal
Square Reader Square Terminal front
Card machine Card reader connected to phone/tablet app Standalone touchscreen terminal (WiFi)
Price (purchase) £19 + VAT £149 + VAT
Offer
Transaction fee 1.75%
Contract No lock-in, no monthly fee
Payouts 1-2 working days in bank account, instantly for 1% fee
Square Reader Square Terminal
Square Reader Square Terminal front
Card machine Card reader connected to phone/tablet app Standalone touchscreen terminal (WiFi)
Price (purchase) £19 + VAT £149 + VAT
Offer
Transaction fee 1.75%
Contract No lock-in, no monthly fee
Payouts 1-2 working days in bank account, instantly for 1% fee

Square Reader is the smallest, most light-weight card machine on this list, but it does need a Bluetooth connection to the free Point of Sale app on your phone or tablet. It is literally a square-shaped, plastic card machine that’s white all over, but the technology makes it just as reliable as push-button PIN pad machines.

When a transaction is entered in the iOS/Android app, your mobile device communicates with the card reader to accept the tap or chip card. Lacking a keypad, PIN codes are entered on your mobile screen in the POS app, which we didn’t have any trouble with.

The app makes it simple to add items from your product library to the shopping cart or enter a custom amount at checkout, before choosing a payment method.

Credit: Mobile Transaction

Square Terminal and Square Reader next to coin

Frankly, Square Point of Sale has the most POS features out of all the free card machine apps. Specialised till apps for retail, restaurants and professional services are also offered by Square, including add-on subscriptions for customer loyalty, email marketing and team management.

If you prefer a standalone credit card machine, Square Terminal connects directly with a WiFi network. It has a touchscreen with Square Point of Sale features built in – perfect as a portable checkout on your premises.

You can also send e-invoices, accept phone payments and enter card details in the app for 2.5% per transaction. Transactions through Square’s online store, payment links and QR codes cost 1.4% + 25p for UK-/Europe-issued cards and 2.5% + 25p for international cards.

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

Square accepts contactless cards and mobile wallets, chip and PIN, and chip and signature cards. This includes Visa, V Pay, Mastercard, Maestro and American Express as well as Google Pay, Apple Pay and Samsung Pay. You can also add Clearpay (buy now, pay later solution) as an option both in store and online.

Payments are usually deposited in your bank account the day after each transaction. Immediate payouts are also possible for an added 1% fee per transaction.

To get started, you complete an online sign-up form, then order the chosen card machine. It takes a few days to get your bank account verified, but you can start taking payments before that.

SumUp – great value for money

SumUp
Our rating:
(4.3/5)

>> Our review

Pros:

  • Choice of 3 card payment machines

  • With business account and card

  • No contract, no monthly fees

  • Free multichannel payment tools

Cons:

  • Shipping and support can be slow

  • Few integrations available

SumUp sells three card machines: the SumUp Air card reader that connects to a phone app, small and independent SumUp Solo and standalone SumUp 3G and Printer that prints receipts too.

SumUp has the lowest fixed card rate and there is no setup fee or shipping charge. You just pay for your choice of card machine, then a fixed 1.69% fee for chip and contactless payments.

SumUp Air SumUp Solo SumUp 3G & Printer
SumUp Air card reader SumUp Solo SumUp 3G Printer Cradle
Card machine Card reader connected to phone/tablet app Standalone touchscreen terminal (WiFi, 4G) Standalone terminal with receipt printer (WiFi, 3G)
Price (purchase) £39 + VAT £79 + VAT £129 + VAT
Website
Transaction fee 1.69%
Contract No lock-in, no monthly fee
Payouts Next day in SumUp Business Account, 2-3 working days in bank account
SumUp
Air
SumUp
Solo
SumUp 3G
& Printer
SumUp Air card reader SumUp Solo SumUp 3G Printer Cradle
Card machine Card reader connected to phone/tablet app Standalone touchscreen terminal (WiFi, 4G) Standalone terminal with receipt printer (WiFi, 3G)
Price (purchase) £39 + VAT £79 + VAT £129 + VAT
Website
Transaction fee 1.69%
Contract No lock-in, no monthly fee
Payouts Next day in SumUp Business Account, 2-3 working days in bank account

SumUp 3G and Printer is the cheapest standalone card machine with receipt printer in the UK. We liked the feeling of its simplified keys for PINs (makes it easy to use), and contactless cards can be tapped over the display in a few seconds.

Its printing cradle doubles as a charging stand that’s ideal for countertops. Otherwise, you can use SumUp 3G – with or without the receipt printer attached – anywhere with a WiFi, 3G or GPRS connection, since it has a SIM card built in free of charge.

There is also the new standalone SumUp Solo that, like SumUp 3G, comes with a SIM card and works with WiFi and mobile connections. Solo fits in your pocket and features a touchscreen with basic software built in to accept chip and contactless cards.

Credit: Mobile Transaction

SumUp 3G card machine

But perhaps the most popular option is the cheap card reader called SumUp Air. It works with a user-friendly app that has a wide range of features including a product library and cash acceptance.

The app also gives access to payment links, email invoices and a basic online store creator at no monthly cost, just a 2.5% transaction fee. SumUp Virtual Terminal is available for eligible merchants for 2.95% + 25p per transaction.

SumUp accepts mobile wallets and most card brands.

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressDiners ClubUnion PayDiscoverContactlessApple PayGoogle Pay

It takes up to 3 days for payments to reach your bank account, minus the transaction fee. You can also receive payouts in the complimentary SumUp Business Account the following day, even on weekends, and spend it with the free Mastercard.

It’s quick to sign up on SumUp’s website, after which you can order a card machine. Shipping takes up to a week, which is a bit longer than the other options on this list.

Takepayments – short, competitive contracts

Pros:

  • Cheap, monthly plan available

  • Versatile card machine selection

  • Tailored fees for small businesses

  • Friendly, efficient onboarding

Cons:

  • Pricing not transparent, quote required

  • 12-month contract on some plans

Takepayments is a popular merchant service provider in the UK, its main selling point being the monthly rolling or relatively short 12-month contracts. Regardless of your choice of plan, Takepayments is most beneficial with a monthly card turnover of at least £2,000.

If you are going to have contractual commitment, but can’t be sure of how your business fares beyond the next year, then Takepayments is one of the few that offers card machine rental with less than 18 months’ lock-in.

Takepayments – general The Easy Deal
Ingenico Move 3500 PAX A920
Card machine Countertop (Ingenico iCT250), portable (Ingenico iWL250), mobile (Ingenico Move/3500 or PAX A920) Mobile touchscreen terminal (PAX A920)
Cost (rental) From £10 + VAT/mo £7.50 + VAT/mo
Contract 12 months
No setup fee
Monthly min. charge from £10
Early termination fee applies
Monthly contract
£150 + VAT setup fee
No monthly min. charge
Cancel with 30-day notice
Offer
Transaction fees 0.3%-2.5% + flat fee
30p refund fee
£9 per chargeback
Payouts Next day in bank account (free)
Takepayments
– general
The Easy Deal
Ingenico Move 3500 PAX A920
Card machine Countertop (Ingenico iCT250), portable (Ingenico iWL250), mobile (Ingenico Move/3500 or PAX A920) Mobile touchscreen terminal (PAX A920)
Cost (rental) From £10 + VAT/mo £7.50 + VAT/mo
Contract 12 months
No setup fee
Monthly min. charge from £10
Early termination fee applies
Monthly contract
£150 + VAT setup fee
No monthly min. charge
Cancel with 30-day notice
Offer
Transaction fees 0.3%-2.5% + flat fee
30p refund fee
£9 per chargeback
Payouts Next day in bank account (free)

The rental cost of the mobile, portable and countertop Ingenico or Verifone card machines starts at £10 + VAT on a year’s contract.

Alternatively, the smart POS terminal PAX A920 with a large touchscreen can be used as a mobile checkout, also with a year’s lock-in. It costs £25 + VAT per month (Takepaymentsplus) with a complete, but simple, till app on the device, allowing you to add a product library and monitor sales by staff members.

For £7.50 + VAT monthly (Easy Deal) and a £150 + VAT one-off charge, you only get basic payment software on the terminal so you can accept cards. This doesn’t have a minimum monthly service charge, includes PCI compliance, and only has a contract of 30 days that is cancellable any time with a month’s notice.

Credit: Mobile Transaction

We tested the PAX terminal with the Epos Now software offered by Takepayments, which turned it into a more sophisticated table-service terminal.

Transaction fees depend on your average transaction value, turnover and cards accepted, ranging between 0.3%-2.5% + flat fee. The quoted rates are better if your business usually accept high transaction values. You also pay fees for refunds and chargebacks.

On the annual plans, you get the following extra fees.

Firstly, an early cancellation fee equivalent to buying out the contract applies if you do not give an exit notice of two months – otherwise, it auto-renews. If you make less than an agreed amount during a month, there’s also a monthly minimum service charge. Monthly or annual fees for PCI-DSS compliance apply.

Accepted cards

VisaVisa ElectronMastercardMaestroAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

Takepayments actually signs you up for two contracts – one for themselves and one for Barclaycard Business who provides your merchant account for card processing. Next-day settlement with Barclaycard is free.

For an additional cost, remote payments can be added, such as pay by link, telephone payments, QR codes for table-service, and an online payment gateway for ecommerce. For more extensive POS features, you can opt for a tPOS package with a touchscreen register and EPOS software tailored to your industry.

Signing up requires talking to a Takepayments sales rep, most likely in connection with a physical visit to your premises. After onboarding, you have access to customer support over the phone every day within working hours.

Dojo – simple, short-contract package

Dojo
Our rating:
(4/5)

>> Our review

Pros:

  • Versatile, mobile touchscreen terminal

  • Next-day payouts

  • Can buy out your existing contract

Cons:

  • Quote and monthly fees required

  • 6-month contract if low turnover

  • Better fees require £150k+/yr turnover

Dojo is a relatively new product powered by Paymentsense. For merchants making under £150k annually in card payments, the Dojo Go subscription has a 6-month contract and no setup fee. After the 6 months are up, it becomes a monthly, rolling contract.

Those with a card turnover above £150k annually can get a monthly contract from the start.

If you are locked into another card machine contract, Dojo can pay up to £3,000 of the exit fees to your old payment provider.

Dojo Go
Card machine Mobile, standalone touchscreen terminal (PAX A920)
Cost (rental) Below £12.5k/mo card turnover: £20 + VAT/mo
Over £12.5k/mo card turnover: £15 + VAT/mo
Transaction fees 1.4%-1.8% + 5p or custom
50p refund fee
£28 + VAT per chargeback
Contract Monthly or 6 months
No setup fee
£24.95 monthly min. charge
Early termination fee applies
Payouts Next day in bank account (free)
Offer
Dojo Go
Card machine Mobile, standalone touchscreen terminal (PAX A920)
Cost (rental) Below £12.5k/mo card turnover: £20 + VAT/mo
Over £12.5k/mo card turnover: £15 + VAT/mo
Transaction fees 1.4%-1.8% + 5p or custom
50p refund fee
£28 + VAT per chargeback
Contract 6 months (1 month for some merchants)
No setup fee
£24.95 monthly min. charge
Early termination fee applies
Payouts Next day in bank account (free)
Offer

There’s a monthly rental fee of £15 or £20 + VAT (depending on card turnover) for Dojo Go, plus transaction charges and a few other costs.

The plan is best suited for businesses with a consistent sales volume, because you’ll have to pay a minimum of £24.95 per month towards transactions (“monthly minimum service charge”).

Credit: Mobile Transaction

Transaction fees depend on the brand and type of card accepted. Consumer debit and credit cards from Visa, Mastercard and Maestro cost 1.4% + 5p per transaction. Business, premium and corporate cards cost 1.8% + 5p per transaction. Amex has their own (typically higher) fees that are custom to your business.

Above an annual card turnover of £150k, Dojo customises your rates which may fall between 0.3%-2% plus a fixed authorisation fee.

You get next-day payouts with Dojo for free, which is faster than most payment providers can guarantee.

Accepted cards

VisaMastercardMaestroDiscoverDiners ClubAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

The card machine is a PAX A920 model with a large touchscreen and user-friendly interface. It comes with a built-in SIM card for mobile connectivity but works with WiFi. Add to that the long 10-hour battery life and you have a mobile card machine that’s ideal for use anywhere on the road, for table service and many other scenarios. It also integrates with most major POS systems, if you’re not using it on its own.

We found it tedious that you can’t add a description to transactions, though. It’s therefore not suitable for inventory tracking or checking what was sold, but a Dojo app does allow you to check sales figures remotely. Ecommerce integration and payment links are also available for slightly higher transaction fees.

Overall, Dojo is a great option for staffed businesses that consistently make several thousands of pounds a month and need a quality card machine for most situations. If onboarding goes smoothly, you should be up and running with Dojo Go within a week.

Worldpay card machines – best on custom fee plan

Worldpay
Our rating:
(3.9/5)

>> Our review

Pros:

  • High-quality card machines

  • 24/7 customer support

  • Good range of accepted cards

Cons:

  • Pricing not transparent, quote required

  • 18-month contract

  • Fees not great for sales below £20k/mo

A major credit card processor in the UK, Worldpay continues to be a popular choice for traditional card machines. You can choose to rent a countertop, mobile or portable card machine with a contract of 18 months.

Worldpay can offer a fixed transaction rate (Simplicity plan) for businesses with an annual turnover below £100k in card payments. There is a Custom plan, but this is geared towards businesses with a monthly turnover of at least £20,000.

Worldpay
Card machines Countertop (Ingenico Desk 5000), portable or mobile (Axium DX8000)
Cost (rental) £17.95-£23 + VAT/month
Transaction fees Custom or fixed rates
Contract 18 months
No setup fee
Monthly min. charge depends on plan
Early termination fee applies
Payouts 1-3 working days to bank account (free)
Offer
Worldpay
Card machines Countertop (Ingenico Desk 5000), portable or mobile (Axium DX8000)
Cost (rental) £17.95-£23 + VAT/month
Transaction fees Custom or fixed rates
Contract 18 months
No setup fee
Monthly min. charge depends on plan
Early termination fee applies
Payouts 1-3 working days to bank account (free)
Offer

Additional fees may apply, like a monthly minimum service charge if you don’t make enough money one month. The Custom fee plan is overall better value than Simplicity, but it’s not available for lower-earning businesses.

To receive a quote on fees, you just need to sign up online and await a callback from a Worldpay consultant. Card machine packages are unique to your business, so it’s not a one-size-fits-all arrangement.

Credit: Mobile Transaction

Worldpay card machines

Card machine rental starts at £17.95 + VAT for a standard model, and then you have transaction charges and merchant account fees on top. While Zettle by PayPal, SumUp and Square use their own merchant account for card processing, Worldpay gives you a unique merchant account that is better for payments stability.

Beware that Worldpay may not be transparent about all fees, so make sure you get them to explain all the costs and responsibilities involved. For instance, PCI-DSS compliance is required for a cost of £5 + VAT monthly on the Custom plan.

Accepted cards

VisaMastercardMaestroJCBDiners ClubDiscoverUnion PayAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

The contactless card machines are high-quality models by Ingenico. There’s a stationary chip and PIN machine for the countertop (Desk 5000), but the portable and mobile smart POS terminal with a touchscreen (Axium DX8000) is ideal for most merchants. Having tested both, we felt the Axium DX8000 model feels more premium and versatile with its software options, but the physical PIN pad of Desk 5000 may be preferred at the till.

Worldpay accepts Visa, Mastercard, Maestro, Diners Club, Discover, UnionPay, JCB, Apple Pay, Google Pay and Samsung Pay, and optionally American Express with a separate agreement. Settlement takes up to three working days.

Email invoicing, an online payment gateway (for ecommerce), virtual terminal for phone payments and payment links are available from Worldpay at an additional cost.

A great thing about Worldpay is the free phone support 24 hours a day, 7 days a week.

myPOS card machines – with flexible business account

myPOS
Our rating:
(3.8/5)

>> Our review

Pros:

  • With online business account

  • Many add-on features available

  • Works across European borders

Cons:

  • Bank account payouts cost extra

  • Inactivity fee and other hidden fees

  • Sign-up not immediate

myPOS is a European payment company that sells card machines with a whole range of extras. This includes an online business account with accompanying prepaid Visa card, online payments and the ability to use the card machine across Europe.

There’s no lock-in contract or ordinarily a monthly fee. That said, a couple of inactivity fees amounting to £15 monthly kick in after 10 months of no transactions, so you do have to cancel the account by then to avoid those charges.