The card machines have a lock-in of one year, whereas online payments have a monthly, rolling subscription.
The card terminals come with a monthly rental cost ranging between £13.99-£21.99 excluding VAT. If you choose Clover Flex with a SIM card (for 3G connectivity), an extra charge applies every day you are using it, so it is recommended you only activate the SIM card when it’s needed. It is unclear whether the portable Ingenico terminal has an extra cost for the 3G version, apart from the higher rental price.
Transaction fees are tailored around your type of business and card turnover and depend on the type of card accepted. Domestic Visa and Mastercard are typically cheapest whereas Amex payments have a higher fee per transaction.
Other charges will most likely apply for refunds, chargebacks, early termination of a contract (if applicable) and more.
Because the Clover system is used, there may be additional charges for several of the apps you want to use. In fact, Clover typically has a monthly fee even for its basic functions, which you should also ask Tyl about.