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Card Payment Machines for Small Businesses

Lower your card payment fees and get paid faster. 

We’ve partnered with a panel of trusted payment providers to allow our customers to trade anywhere, anytime. 

  • Supports multiple payment options including Google & Apple Pay
  • Access your money the next day*
  • UK-based support 7-days a week
See Prices
payment card machine.

Looking for the best card payment machine for your small business in the UK? Compare payment machines with great rates and easily accept cards, contactless and mobile payments wherever you trade. 

Whether you run a café, shop, market stall, or mobile business, you’ll get next-day access to your money, a simple setup, and a contract length to suit your business. 

With UK-based customer support available 7 days a week and a range of card machines to suit every business type, we have partnered with a panel of trusted card machine providers to ensure you're getting great rates and features. 

It has never been easier to take payments quickly, securely, and affordably.

 

Your new low-fee card machine is just a few clicks away. 

Why Switch Card Machine Providers?

We work with trusted card machine providers with competitive fees and great features, including TakePayments, Tap & Go and Tap2Pay. Here are some of the features offered across our panel of providers. 

  • Next-Day Payouts – keep your cash flow healthy with fast access to funds.

  • Flexible Contracts – From 12 months. 

  • UK-Based Support – speak to real people 7 days a week.

  • Multiple Payment Options – accept chip & PIN, contactless, Apple Pay, Google Pay, and more.

  • Simple Setup – get started in just a few steps, no complex installation.

  • Advanced Features (Plus & tPOS) – split payments, product tracking, digital receipts, stock management, secure refunds and reporting tools.

  • Trusted & Secure – all devices use the latest payment security technology.

We have providers that combine affordability, reliability, and support, making them an excellent choice for small businesses across retail, hospitality, and mobile trade.

How Much Do Card Machines Charge Per Transaction?

Card machine fees are the costs your business pays each time you accept a card payment. They typically fall into a few categories: transaction fees (a percentage of each sale, usually between 0.3% and 3% depending on card type and provider), monthly rental or subscription costs for the terminal itself, and sometimes a one-off setup fee. 

Rates can also vary depending on whether the card is present (in-person) or not present (online/phone), with card-present transactions generally cheaper due to lower fraud risk. When comparing providers, it's worth looking beyond the headline transaction rate to check for hidden costs like PCI compliance fees, early termination charges, or minimum monthly spend requirements, as these can add up and affect the true cost of accepting card payments.

Compare Card Payment Machines 
 

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Contract

12 Months

TakePayments Plus Card Machine

Feature-rich for growing small businesses.

  • Get your money next working day
  • Mobile card machines
  • 12 month contracts
  • Customer service 7-days a week
  • Accepts cards, contactless, Apple and Google pay
  • Cash payments
  • Add your products
  • Print or digital receipts

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Contract

Flexible Contracts

Tap & Go Card Payment Machine

Simple, reliable card machine that just works. 

  • Get your money next working day
  • Mobile card machines
  • Flexible contracts
  • Whatsapp customer support
  • Mobile SIM compatibility
  • Accepts cards, contactless, Apple and Google pay
  • Manage gift cards, loyalty cards and employee logins
  • Print or digital receipts

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Tpos Mobile 2X.Png 2
Contract

12 Months

TakePayments tPOS System 

Advanced retail & hospitality POS.

  • Next day money access*
  • UK-customer service
  • 12-month contract
  • Stock management portal
  • Accountancy app integration
  • Enhanced management portal
  • Card/ cash payments
  • Virtual booking system for hospitality
  • Track sales trends
  • Secure cloud backup

Switch and get free contract tracking, renewal alerts and more.

Here's what you can expect from day one:

  • No more scrambling when contracts end. We’re tracking everything.
  • Renewal rates flagged before they hit your bill. We’ll notify you.
  • Products and services from brands your business actually uses.
 

Over 80,000 businesses have already switched. You're in good company.

Online Payment Solutions 

Keep your business open via your website with an advanced online payment portal. With multiple options available from payment gateways, pay by link, or an on-the-go payment app for trade, there’s a payment solution for every type of business.

With £0 set-up fees and a dedicated UK-based customer service team, you can have powerful payment tech on your site or in your pocket to let your customers pay you easily. If you're wondering what goes into your payment process fees, read our guide. 

lady reviewing payment machines.

Key Features of Card Machines

Our global payment partners have a host of key features that make it an attractive choice for small businesses that need a card machine.

  • Next Day Access to Money*

    You will be able to access your money the next day, provided you have performed the card machine's banking function window before your bank's set time for settlements. An essential feature for many small businesses is to keep the cash flowing healthily. 

  • Short Contract

    TakePayments only issues a 12-month contract, so you will not be tied into long partnerships. It’s all about keeping your costs low and flexible.

  • Simple Setup

    Setup is only up to 4 steps on your new card machine. You’ll be asked if you would like to turn on cash payments, the option to add your products and sort them into categories, and if you would like to set up any features, such as gratuity tips (great for hospitality). 

  • 4G Mobile Payments 

    You’ll be able to take payments on the go with 4G mobile payments, so you can continue to operate should your broadband connection go down or you’re trading on the move.

  • Split Payments

    TakePayments Plus comes with many advanced features, and now your customers can split payments however they want. You will even be able to take part-cash/ card payments without any fuss.

  • Add Products

    If you’d like detailed insights into your bestselling products, you can assign individual products to your management platform to see what sells best and when to keep up with seasonal trends and stock management. 

  • Digital or Printed Receipts

    You’ll be able to give your customers the option to receive a physical paper receipt or a digital receipt delivered via text or email. 

  • Live Reporting

    You'll be able to view all your transactions live in the reporting portal to manage busier periods or trading and manage the cash flow of your business.

small business taking card payment.

Best Card Machine for Small Businesses

Next-day money access* Yes Yes Yes
UK customer service Yes Yes Yes.
Contract length 12 months 12 months 12 months
Contactless & mobile pay (Apple/Google Pay) Yes Yes Yes
Paper/ digital receipts Yes Paper only Yes
Split billing Yes No Yes
Product management portal Yes No Yes
Live reporting Yes No Yes
Stock management No No Yes
Cash + card payments Yes No Yes
Hospitality features Limited Limited Yes (booking system, sales trends)
Best for Growing businesses with advanced features Simple mobile payments

Retail & hospitality needing full POS

What Types of Payments Can I Accept?

Our provider card machines are flexible and can accept many types of card payments, including Visa Debit/ Credit, Mastercard, Maestro, American Express, Apple Pay, Samsung Pay, Android Pay, and Google Pay.

Card Payment Machine Reviews 

TakePayments has excellent reviews with a rating of 4.8 out of 5 on Trustpilot. Based on over 60,000 reviews, it makes them the best-rated card payment provider in the UK. 

Most of the praise highlights the customer service and response time. 

FAQs – Card Machines for Small Business

  • How much does a card machine cost?

    The cost of the card machine will depend on the model you choose and the amount of payments you’re expecting to take. Fees usually range between 0.3% and 3% per transaction, plus rental charges depending on the device.

  • Does the TakePayments card machine accept contactless? 

    Yes. All card machines from TakePayments are contactless enabled and can also accept chip and PIN, Apple Pay and Google Pay.

  • Are card payments secure?

    Yes. All TakePayments card machines are secured with the latest cyber security technology to ensure safe and secure transactions.

  • Can I take cash payments?

    Yes - on the Plus plan, you can take cash or even part-cash payments. Simply put, how much cash the customer has paid, and it will work out any change that is due automatically. 

  • Card Processing Fees ExplainedWhat fees does TakePayments charge?

    The fees are quoted based on your business requirements, but can be anywhere from 0.3 to 3%. The fees are usually calculated on your payment volume and card machine rental ranges based on the model.

*Access to money the next day is available if the card payment is performed before the acquirer's set time to receive payments the next banking day. 

Get instant benefits the moment you
switch with Love Business

The moment you switch with us, you will get access to your own myHUB account,
where you’ll get free contract tracking, early renewal alerts and more. All in one dashboard.

 

Over 80,000 businesses have already switched. You're in good company.