Beste card machines & payment terminals for UK business. Compare payment processing providers.

Takepayments image


Payment processor

Simple set up

Interactive touchscreen

Turn on cash payments

Take part cash/part card sales

POS solution

% 1.00

per transaction

Square payment terminal


Payment processor + manufacturer

All-in-one payment

Chip and PIN cards

Contactless cards

Mobile devices

Designed to work (even offline)

% 1.75

per transaction

sumup payment terminal


Payment processor + manufacturer

Printing performance


Major payment acceptance



% 1.69

per transaction


Payment processor + manufacturer

All-in-one touchscreen POS and payment terminal

Sell more on-the-go

Connect in more places

Make sales more efficient

% 1.75

per transaction

Clover paytment terminal


Payment processor + manufacturer

Charges in an hour

Lasts up to 8 hours

Built in receipt printer and barcode scanner

5-inch hi-res antimicrobial touchscreen

Built-in fingerprint reader security

% 1.8

per transaction

Global payments terminal image

Global Payments

Payment processor

Accept chip & PIN, or contactless payments

Print or email receipts quickly and easily

Connect to ethernet, WiFi and 4G

Mobile pay

POS solutions

% 1.5

per transaction

Dojo terminal image


Payment processor

Take payments in seconds

Always stay connected

Get paid, tomorrow

Round the clock support

% 1.4

per transaction

barclaycard terminal


Payment processor

All-in-one point of sale solution

Simplify your business admin

Boost sales

% 1.4

per transaction

MyPOS image


Payment processor + Manufacturer

Enjoy the flexibility of running your business on the go

Ultra-fast receipt printer to get you through orders quicker

Rely on a powerful battery that supports all-day active use

Android 10 and a quad-core processor for a smooth experience all along

% 1.10

per transaction

Revolut reader image

Revolut reader

Payment processor + Manufacturer

Low fees and transparent pricing

Access funds the next day

Accept payments, fast

Sharpen your sales process with a catalogue

% 0.8

per transaction

Ingenico image


Card machine manufacturer

Performance optimized at affordable price

Payment anywhere and anytime

All methods of payment accepted

Fast integrated printer

Worldline image


Card machine manufacturer

Boost performance and make sales easy

Accept local and international schemes

Large set of value-added services directly available on terminals

Facilitate self-checkout with eye-catching contactless area

Card & payment terminal reader processing costs from POS systems

lightspeed logo

Lightspeed Payments

Innovate faster

Stay on top of business performance

Gain valuable insights

Boost customer satisfaction

Keep staff happy

Simplify workflows

% 1.2

Per debit card transaction

epos now logo

Epos Now Payments

Point of sale for Restaurant & Retail

Flat rate for all payments

All cards

% 1.7

Flat rate for all cards

Payment terminal and card reader cost comparison


Card payment provider – Standalone – UK Card reader cost Payment terminal cost Payment Fees cost
Sumup £39.00 £139.00 1.69% per transaction
Zettle £29.00 £149.00 1.75% per transaction
Square £19.00 £149.00 1.75% per transaction
Gobal Payments rental rental 1.50% per transaction
Takepayments rental rental 1.00% per transaction
Dojo £0.00 £0.00 1.4% + £0.05 per transaction
Clover £49.00 £599.00 1.8% per transaction
Barclaycard rental rental 1.6% per transaction
MyPOS 39 179 1.10% + £0.07 per transaction
Revolut reader na na 0.8% + £0.02 per transaction

How do Card Machines work in the UK?

Card machines in the UK, also known as point-of-sale (POS) terminals or card payment terminals, are devices used to process debit and credit card transactions. These machines play a crucial role in facilitating electronic payments for goods and services. Here’s how card machines typically work in the UK:

  1. Card Insertion or Swipe: The customer inserts their chip-enabled debit or credit card into the card reader slot or swipes the magnetic stripe (if available). Many newer card machines in the UK support contactless payments, where the customer can simply tap their card or mobile device on the terminal to make a payment.
  2. Connection: The card machine connects to the payment network using various methods, including wired Ethernet connections, Wi-Fi, or cellular data (GPRS/3G/4G). This connection is essential for processing the transaction and communicating with the payment processor.
  3. Data Encryption: Once the card is inserted or tapped, the card machine encrypts the cardholder’s data and sends it securely to the payment processor. Encryption ensures that sensitive information like card numbers and personal identification numbers (PINs) are protected from unauthorized access.
  4. Transaction Verification: The payment processor sends the transaction details to the cardholder’s bank (issuing bank) for verification. The issuing bank confirms whether the customer has sufficient funds in their account to cover the transaction or whether the card is valid for the purchase.
  5. Authorization: If the cardholder’s bank approves the transaction, an authorization code is generated and sent back to the card machine through the payment network. This code indicates that the payment has been approved.
  6. Customer Interaction: Depending on the type of card machine, the customer may be prompted to enter their PIN for added security. For contactless payments, the transaction may not require a PIN for small amounts.
  7. Receipt Options: After the transaction is authorized, the card machine typically offers options for generating a receipt. This could be a printed receipt, an emailed receipt, or no receipt at all, based on the customer’s preference.
  8. Transaction Completion: Once the receipt is generated or the customer’s preference is recorded, the card machine finalizes the transaction. It may display a confirmation message on the screen, indicating that the payment has been successfully processed.
  9. Settlement: At the end of the day or a specified time period, the merchant initiates a settlement process. This involves transmitting all the authorized transactions to the payment processor, which then transfers the funds from the customer’s accounts to the merchant’s account.
  10. Funds Transfer: The settled funds are transferred from the cardholder’s bank to the merchant’s bank account. This typically takes a couple of business days to complete.

It’s important to note that card machines in the UK need to adhere to various regulations and security standards, such as the Payment Card Industry Data Security Standard (PCI DSS), to ensure the protection of customer data and payment information.