Gone are the days when small businesses had to enter into long contracts to accept card payments. In the UK, there is now a good selection of contract-free, inexpensive card readers enabling you to take cards through a connected mobile app.
How card readers work:
These devices do not typically have monthly fees, lock-in or complicated fees. Instead, you just purchase the card reader upfront and pay a fixed rate per transaction.
This is very attractive for merchants who cannot commit to fixed monthly costs, and perfect for new businesses looking to get started quickly.
Another thing to consider is the accompanying app which may act as your main point of sale (POS) system. Some card readers for phones only work with a basic payment app, while others go beyond that with a product library, staff accounts, payment links and more.
The best card reader therefore depends not only on the build quality, but also the app, costs and potential to expand with other tools.
Compare card readers in the UK:
|Card reader||Purchase price*||Rate||Advantage||Website|
|SumUp Air||£39||1.69%||Accessible business tools|
|Square Reader||£19||1.75%||Many payment features|
|Revolut Reader||£49||0.8%-2.6% + 2p||Low domestic rate|
|Zettle Reader||£29–£59||1.75%||Ergonomic card reader|
|Shopify Card Reader||£49||1.5%-1.7%||Shopify integration|
|Elavon MobileMerchant||£29||1.75%-2.5%||24/7 customer support|
|Barclaycard Anywhere||£29||1.6%||Low fixed rate for all cards|
*Prices exclude VAT.
||£39||1.69%||Accessible business tools|
||£19||1.75%||Many payment features|
||£49||0.8% – 2.6% + 2p||Low domestic rate|
||£29–£59||1.75%||Ergonomic card reader|
|Shopify Card Reader
||£49||1.5% – 1.7%||Shopify integration|
||£29||1.75% – 2.5%||24/7 customer support|
||£29||1.6%||Low fixed rate for all cards|
*Prices exclude VAT.
SumUp Air is another popular card reader for iPad, iPhone and Android tablets and smartphones. The card reader has a smooth glass surface over its PIN pad, which we found easy to wipe clean. It accepts contactless and chip payments from most card brands and mobile wallets.
Photo: Emily Sorensen (ES), Mobile Transaction
The card reader costs £39 + VAT and has no monthly fees or contractual commitment. All you pay is a fixed 1.69% per transaction for any type of card. There is also a stand for SumUp Air, which is in a bundle with the reader for £44 + VAT.
The Air card reader works with SumUp App, a simple POS system with a product library, user accounts, sales overview, payout reports and online payment options.
SumUp users can send email invoices or payment links, set up a basic online store from the app, display or print QR codes for payments and accept telephone payments through the in-app virtual terminal. You can also sell e-gift cards that can be accepted through the app.
What’s more, the free SumUp Card (Prepaid Mastercard) that’s linked to your very own online Business Account provides access to transactions the day after, weekends inclusive. Alternatively, payouts can land in your bank account within 1-3 working days.
For a more complex till, the Air reader can be used with the SumUp Point of Sale software for full-fledged retail or hospitality functions. You can’t currently integrate with accounting software, but SumUp does integrate with Wix, PrestaShop and WooCommerce through plugins.
Customer support is available on weekdays between 8am and 7pm and weekends between 7am and 5pm. Signing up is easy through a web form, after which you can order the card reader.
Square Reader is an inconspicuous, square-shaped card reader without a PIN pad. Compatible with iPhone, iPad and Android devices, it takes chip (with PIN entry on your mobile device) and contactless payments. It’s the smallest and lightest terminal on this list, but its app, Square Point of Sale, is the most comprehensive of them all.
Photo: ES, Mobile Transaction
Square Reader only costs £19 + VAT, and the pay-as-you-go transaction rate is 1.75% for all card payments. There are no monthly fees or contract lock-in to worry about. You can get a charging dock for the reader for £25 + VAT too, and connect the hardware with receipt printers, kitchen printers, a cash drawer and barcode scanner.
The free Point of Sale app has enough features to serve most small businesses. Its inventory library tracks stock levels, and the till menu shows various product options and the ability to mark transactions for eat-in, eat-out, delivery or pickup.
You can schedule staff shifts, track breaks, export payroll data and analyse employee sales, while an additional app called Square Team lets staff log their own hours (more employee features cost £20/month per location).
There are also customer lists, sales reports, order management, invoicing and more to access through the app. Electronic gift cards can be sold and accepted, payment links created, QR codes generated for contactless selling, and any payment method accepted through the checkout including Clearpay (Buy Now Pay Later option).
Square’s web Dashboard has a free virtual terminal for telephone payments, an online store builder, detailed sales reports and options to subscribe to POS systems for retail, restaurants and a scheduling system. Square also integrates with many external software tools for e.g. accounting, online ordering and ecommerce.
Payouts reach your bank account in 1-2 working days, but there’s an instant transfer option (not available to all) for an extra fee of 1%.
Square’s customer support is available on weekdays between 9am and 5pm. You sign up online through a simple form, order the card reader and wait 3-5 working days for the delivery of Square Reader.
Revolut Reader is a new contactless and chip card reader that Revolut Business account holders can purchase, if they have an approved Merchant Account which is separate from the current account. Transactions clear in the online account connected with a Visa debit card within 24 hours, which is super-fast.
Fees are low for domestic, consumer Visa and Mastercard transactions (0.8% + £0.02) while high for all other cards (2.6% + £0.02). The terminal itself costs £49 + VAT excluding a compulsory £5 shipping charge. You can choose to use a free Revolut Business account or upgrade to a subscription with more business (not POS) tools.
To get started, you first need to sign up for a Freelancer or Company account (free plan available), then apply for a Revolut Merchant Account allowing you to accept card payments online and through the card reader.
Photo: ES, Mobile Transaction
We do not recommend buying the card reader before your Merchant Account has been completely approved. We did the mistake of ordering it after the immediate, automatic approval of it, only to have the account on hold in the following days while Revolut requested additional information to process.
After receiving the keypad-less card reader – which looks functional and akin to a retro pocket gaming device in its plastic casing – we had some technical issues with it, but it was eventually resolved and we received a free replacement.
We tried the chat support available to all Revolut Business account users, but the support agents were rarely able to help. It took several days or weeks to fix any of our issues. That being said, the app is regularly updated and bugs fixed, which can’t be said of certain competitors.
Overall, Revolut Reader could be a nice extra for those who need simple in-person payments in addition to payment links and a business account. New features are gradually added, for example a product catalogue allowing you to itemise bills.
The hospitality POS system from Nobly also integrates with Revolut Reader, requiring a monthly or annual subscription.
The most popular card reader in the UK has been iZettle Reader (now Zettle Reader without the “i”) for some years. It was one of the first to introduce an inexpensive, contract-free reader without monthly costs.
The first card reader machine costs £29 + VAT upfront (following ones are £59 + VAT each) and then you pay 1.75% per transaction regardless of the type of card used.
Photo: Emmanuel Charpentier, Mobile Transaction
When testing it, we found the latest version (Zettle Reader 2) ergonomic, small, lightweight and sturdy. It comes in white or black and can connect with a till drawer, barcode scanner and receipt printer. The optional charging stand (Zettle Dock) keeps it in place on a countertop.
Zettle Reader works with a free POS app called Zettle Go on most tablets and smartphones. It has a product library, transactions overview, basic sales reports, invoicing and the ability to accept cards, cash, payment links and gift cards. QR codes can be generated at checkout for customers with a PayPal app to scan it.
The card reader works with other POS systems like Lightspeed, Revel and Tabology, and integrates with Xero and QuickBooks for accounting and ecommerce platforms like Shopify, BigCommerce and PrestaShop.
However, Zettle’s own app has hardly been developed further since PayPal took over Zettle. The lack of investment in the product means we can’t recommend the card reader as a solution that will definitely continue for years, unless you’re happy with it for your current situation.
Out of all card readers for iPhone, iPad and Android, Zettle accepts the most card brands via chip and PIN and contactless tap. Transactions are automatically cleared in your bank account within 1-2 working days.
Zettle only provides customer support on weekdays between 9am-5pm via telephone, email and chat. To sign up, all you need is fill in the short registration form online and order the card reader.
Most known for its ecommerce software, Shopify also has a card reader to go with a POS app. It is called WisePad 3 Reader, costs £49 + VAT and works with the Shopify Payments system, which is only activated while you’re on a Shopify ecommerce subscription.
The card reader works with a POS app on your iPhone, iPad, Android smartphone or Android tablet.
Photo: Mobile Transaction
You’ll have to sign up for one of the following online store plans to use the POS and payments system: ‘Basic Shopify’ for £25 monthly and a 1.7% transaction fee, ‘Shopify’ for £65 monthly and a 1.6% transaction fee, and ‘Advanced Shopify’ for £344 monthly and a 1.5% fee for all card reader transactions. The subscriptions are cheaper with an annual contract.
Because of the ongoing monthly cost, the card reader is only really worth it if you’re also using Shopify for an online store.
The Shopify POS app is by default free (Shopify POS Lite), but you can upgrade to Shopify POS Pro for $89 (charged in USD) monthly per location in addition to the ecommerce subscription. This higher plan has many more features designed to unify online and in-store sales for a better customer service experience, for instance with a smooth Click & Collect system.
The free POS plan has a good selection of features for e.g. product and order management, customer profiles, staff accounts and integration with hardware such as receipt printers, cash drawers and barcode scanners. POS Lite is recommended for on-the-go sales, whereas POS Pro is better for a full setup in a retail shop.
Transactions are settled in your bank account within 6 working days, which is the slowest in this comparison. All subscriptions include 24/7 customer support and online help guides.
A big acquiring bank, Elavon, has a card reader called MobileMerchant (purchased for £29 + VAT).
As with others, it has no monthly fee or contractual commitment, just a transaction fee that depends on the card accepted: 1.75% for Visa and Mastercard, 1.9% for American Express and 2.5% for Diners Club, Discover and JCB cards.
The card reader has a PIN pad, looks like a calculator and accepts contactless payments and chip and PIN cards. Elavon MobileMerchant does not connect with a cash drawer, barcode scanner or receipt printer, so it is purely for mobile transactions.
To accept a payment through the MobileMerchant app, you need to enter the transaction amount with an item description. It’s possible to add a tip, discount and VAT, accept cash and send an e-receipt, but there are no other checkout options. There’s no product library or other advanced features in the app.
The app is rarely developed and actually had a 3-year break between updates (not to add features, only to fix issues), so Elavon clearly does not prioritise this service. A healthy card reader app should be updated regularly to fix bugs and keep up with iOS and Android software, so it is unsurprising to see that users complain of technical issues preventing them from using the card reader.
Elavon merchants can access a free virtual terminal in the web dashboard, where you can accept over-the-phone payments for a higher transaction cost. You can also benefit from fast settlement – one working day – but this is not guaranteed.
Customer support is provided 24/7 for merchants, which is a luxury for a pay-as-you-go credit card reader. Signing up is more tedious, though: you complete an online form (takes around 15 minutes) and have to submit various documents for verification. Once onboard, you can order the card reader.
Barclaycard Business offers a card reader called Barclaycard Anywhere without contract lock-in or monthly fees, just an upfront cost of £29 + VAT.
The model (Miura M010) is not bad, but it is an old card reader with a very basic accompanying app for iOS and Android devices.
The card reader doesn’t work with receipt printers, cash drawers or barcode scanners, but it does take swipe cards on top of contactless and chip cards. The ‘Barclaycard’ logo on the terminal may put some customers at ease, since it is a trusted brand.
You’d think a banking giant like Barclays would only have amazing products, but the app can only accept manually entered transaction amounts with a written description. You can’t itemise receipts with different products. Other features include refunds, sending a digital receipt and viewing transactions (all apps on this list can do those things).
There is no product library or other useful features for merchants. What’s more, the app was last updated 4 years ago, which means it is very likely buggy. In fact, user ratings are poor in Google Play and App Store, frequently mentioning bugs and connectivity issues.
However, you can’t fault the low transaction fee of 1.6% for any Visa, Mastercard or JCB card. This is the lowest fixed rate available for an app-based reader, except for the high subscription tiers with Shopify’s card reader (where the fee is 1.6% or 1.5%) and Revolut for domestic cards.
That said, refunds cost 75p to process, whereas other card readers typically don’t charge for refunds done straight after a transaction.
Payouts may take between 2 working days and a week.
To get started, you need to fill in an online application form, which should take about 15 minutes. Your chance of approval “depends on financial circumstance and borrowing history”, which is stricter than other card reader sign-ups.
Card reader apps compared
Without doubt, Square comes away with the best and widest range of point of sale (POS) features in its choice of free apps. Where others lack these features, Square gives you free inventory tracking, split bills, many different payment methods and team management tools.
SumUp comes in second with its online payment tools and complimentary business account accessed in the card reader app. The POS features in SumUp App are, however, extremely basic and only for simple stores that don’t need stock control or integrations with external software.
Revolut still only has few POS features like a basic product library, since it focuses more on business account features, not in-person payments. But we’ve found that new features are added quicker than other solutions, so the app is progressively maturing.
The Zettle Go app is easy to use, though even simpler than SumUp App with its fewer features overall. Online payment tools are very basic, although Zettle has slightly more checkout features than SumUp and integrates with accounting and ecommerce.
The Shopify POS app is excellent for product features when managing retail inventory across sales channels. It has good customer relationship management tools, promotional features and a customisable display.
The apps from Barclaycard and Elavon are more basic and less reliable than Zettle, SumUp, Square, Shopify and Revolut who regularly update and improve their apps. In addition, Elavon and Barclaycard do not integrate with external software for accounting and ecommerce, nor do they offer payment links.
Elavon is slightly better than Barclays for its complimentary virtual terminal, online reports and more recent update. The Barclaycard Anywhere app was last updated 4 years ago, which means a host of bugs and compatibility issues.
Compare card reader pricing
Prices and fees of app-based card readers tend to be similar given the healthy market competition. That said, they represent different values because of the varying quality you get for the price.
The cheapest card readers tend to be Square Reader, SumUp Air and Zettle Reader, on offer at various times. After purchase, you own them.
Unlike the other two options, Zettle Reader is most expensive from the second reader purchased (£59 + VAT) while the others remain at a low price (£39 for SumUp Air and £19 for Square Reader).
Barclaycard Anywhere advertises a low “one-off device rental fee”, so you don’t actually own the card reader despite the lack of a monthly fee. The card readers from Shopify, Elavon and Revolut are yours to keep after purchase.
|Card reader||Price*||Monthly fee*||Transaction fee|
|Revolut||£49||From £0||0.8% or 2.6% + 0.02%|
|Revolut||£49||From £0||0.8% or 2.6% + 0.02%|
Only Shopify requires a monthly fee, as you must subscribe to a paid ecommerce plan with ecommerce features. This includes a basic retail POS app, with an option to upgrade to the full range of POS features for $89 USD + VAT monthly.
Revolut also has a range of business account subscriptions, but they don’t give you extra features for the point of sale. If using Revolut Reader with Nobly POS, a subscription applies to that. Square and SumUp have their own advanced EPOS systems you can upgrade to at various price points.
Zettle and Square share the highest fixed rate for all cards, only marginally higher than SumUp’s. Barclaycard’s 1.6% is the lowest rate that applies to all cards. You can get a similarly low rate with Shopify, but only in conjunction with a pricey online store plan.
Elavon distinguishes between Visa and Mastercard transactions (1.75%) and other card brands (1.9% or 2.5%) which could be expensive for businesses with tourists or business clients with corporate or premium cards.
Revolut has the lowest rate dedicated to UK-issued Visa and Mastercard transactions, but the highest rate of all options for other cards, plus a small fixed fee.
Other credit card readers
A few services have gone out of business: WorldPay Zinc, Worldpay Reader, Payatrader and Intuit Pay. PayPal Here has also been discontinued and replaced with Zettle Reader (PayPal owns Zettle).
The European neobank Viva Wallet offers a Mini Card Reader that works with its app, and this is available for UK merchants.
Then there’s a Stripe card reader for existing platform users. Card machines by Stripe can be more complicated, as they need to be programmed and link with your online payment system.
You sometimes see other app-based card readers in the UK, but without the tech funding to update the software and adapt the product quickly, these products do not get good reviews. In the end, the fittest survive – which is good news for small businesses.