{"id":439188,"date":"2022-03-11T11:57:07","date_gmt":"2022-03-11T11:57:07","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=439188"},"modified":"2026-04-02T14:38:48","modified_gmt":"2026-04-02T13:38:48","slug":"card-readers","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/card-readers","title":{"rendered":"Compare card payment machines"},"content":{"rendered":"<p>As card payments are the most popular way for consumers to make transactions, it has become crucial for businesses to choose a card payment machine that best suits their needs.<\/p><p>With a vast range of different sizes, shapes and features available, there are specific machines designed for various types of businesses. In this guide, we\u2019ll help you select the best card machine for your business.<\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are card payment machines?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Card payment machines, sometimes referred to as card readers, are devices that allow you to accept credit and debit card payments via chip and PIN or contactless methods. They might also be able to accept payments using a smartphone or mobile device.<\/p><p>With society moving toward a cashless environment, card payment machines have become an indispensable tool for businesses. And as their popularity rises, there are an increasing number of card machines for businesses to choose from. Different card readers come with various features, fees, and upfront costs, so it\u2019s essential to compare options carefully to find the right one for your business.<\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">What are the different types of card payment machines?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>There are 3 main types of card payment machines \u2013 countertop, portable and mobile. Depending on the size of your business, whether you\u2019re a small pop-up shop or a larger restaurant chain, there are different types of card machines designed for your needs.<\/p><p><strong>Countertop card payment machines<\/strong> are for use at till points in stores and are best suited for businesses with fixed payment points, such as small retailers. They are not portable, but they usually have good connectivity. They can accept both chip and PIN and contactless card payments as well as payments through Apple Pay, Google Pay and Samsung Pay.<\/p><p><strong>Portable card payment machines<\/strong> are designed for businesses with multiple points of sale and enable you to take the card reader directly to the customer. This can make them ideal for restaurants and cafes. Portable card readers use Wi-Fi technology to process payments, and both chip and PIN and contactless transactions can be carried out.<\/p><p><strong>Mobile card readers<\/strong> are small, battery-powered devices and use GPRS technology to process payments so that you can take card payments wherever you happen to be. They come with a built-in SIM card and can process both chip and PIN and contactless transactions. Because of their ease of use and portability, they are ideal for pop-up stores, tradespeople and markets. <\/p><\/div><\/div><\/div><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">How do card readers work?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Card readers work by extracting information from a customer\u2019s debit or credit card, either when the card is inserted into the machine or tapped against the terminal (for contactless payments). This information is transmitted to the payment processor and information is collected from the customer\u2019s bank. If there are sufficient funds in the account, the transaction will be approved. <\/p><p>The customer\u2019s bank then puts a hold on those funds and the transaction is marked as pending. Over the next few days, the funds are moved across to the merchant\u2019s bank account, processed and deposited into the account.<\/p><\/div><\/div><\/div><p><img decoding=\"async\" class=\"luna-image aligncenter\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/card-transactions632x380.png\" alt=\"Image of bank card along a stat: 91% of card transactions in 2022 were contactless, according to a Barclays study\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/card-transactions632x380.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/card-transactions632x380.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/card-transactions632x380.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/05\/card-transactions632x380.png?fit=632 632w\" sizes=\"(max-width: 632px) 100vw, 632px\" loading=\"lazy\"><\/p><div itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\">Why should my business get a card reader?<\/h3><div itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>According to UK Finance, contactless payments accounted for 38% of all transactions in the UK in 2023, marking a significant increase from 19% in 2019. This highlights the growing importance of businesses being equipped to accept card payments to avoid missing out on sales.<\/p><\/div><\/div><\/div><\/div><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"TRPNHvYLmHA\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/TRPNHvYLmHA\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/TRPNHvYLmHA\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/TRPNHvYLmHA\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:53<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-TRPNHvYLmHA\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>UK card readers<\/h3><p>Below is a list of some of the best UK card reader providers available: <\/p><h4>Revolut<\/h4><p>As with most card readers, the Revolut point of sale terminal accepts instant and secure transactions whether they\u2019re made using debit cards, credit cards or contactless payment methods. According to Revolut, the Revolut Reader can take payments in \u201cunder 5 seconds\u201d and with it\u2019s competively low transaction fees, what\u2019s there not to like? Well if your customers favour American Express, you might want to consider a different machine, as the Revolut Reader does not currently support payments from Amex cards.<\/p><h4>Tide<\/h4><p>Small business specialist Tide offers a standard and a premium card reader. In both cases pricing is per-transaction \u2013 there\u2019s no monthly fee or ongoing contract to worry about. Amex support is unavailable as yet. Keep an eye out for the super-appealing welcome offers Tide periodically offers on its products for small businesses.<\/p><h4>Barclaycard<\/h4><p>The Barclaycard Anywhere card reader enables you to take credit, debit and digital payments in-store or on the move. It comes with a pay-as-you-go contract and a one-off rental fee of \u00a329 plus VAT. It has a transaction fee of .<\/p><p>You\u2019ll be able to manage payments in real-time with the Barclaycard Anywhere app on your mobile device, and you can then connect your card reader via Bluetooth. The app allows users to export data to make accounting easier, check sales, issue e-receipts and give refunds from your online dashboard, as well as add multiple users on a single account. <\/p><p>The Barclaycard Flex card reader has a monthly rental fee of \u00a315 plus VAT and comes with an 18 months contract. Start-ups and small businesses that take lower volume or low-value transactions will be charged a 1.6% fee for each transaction. Bigger businesses that take high volume or high-value transactions will have a variable monthly cost per transaction and a personalised pricing plan.<\/p><h4>SumUp<\/h4><p>SumUp has 3 different types of card reader. They come at different costs but all have a transaction fee of \u00a31.69.<\/p><p>SumUp Air and SumUp Air and Cradle are the most compact, and the cheapest options at \u00a325 and \u00a344, respectively. Both work together with the free SumUp app and both connect via Bluetooth to your smartphone or tablet. SumUp Air can be a good option for businesses in-store and on-the-go for deliveries. <\/p><p>SumUp Solo is a standalone device with a touchscreen interface and comes at a cost of \u00a379. It works with Wi-Fi and also has free unlimited mobile data with a built-in SIM card. In addition, it comes with a charging station to keep your card reader constantly charged. <\/p><p>Finally, SumUp 3G and Printer costs \u00a3129 and works without a smartphone. It comes with a built-in SIM card and free unlimited mobile data and Wi-Fi connectivity. It can also print receipts and the printer functions as a charging base.  <\/p><h4>Square<\/h4><p>Square\u2019s card reader accepts chip and PIN cards, contactless cards, Apple Pay and Google Pay, and it connects wirelessly. Its compact nature makes it easy for transactions on-the-go, and the app enables you to enter sales quickly and have access to real-time inventory and reporting. Square Terminal is a larger device that enables you to take payments and print receipts. It is also portable and includes a powerful battery, allowing you to take payments anywhere in your store or restaurant.<\/p><h4>Zettle<\/h4><p>The Zettle Card Reader 2 is a straightforward device that costs just \u00a349, plus VAT. There is also a \u00a31.75 transaction fee. When paired with one of Zettle\u2019s point of sale apps, the reader accepts all credit cards and contactless payments and can be set up quickly. You\u2019ll also be able to send digital receipts, send online invoices and issue full or partial refunds. It also enables you to track staff productivity.<\/p><p>The Zettle Terminal is a larger device than the Zettle Card Reader 2 and allows you to add a receipt printer and docking station if needed, making it a good choice for stores and restaurants with a professional workstation. It comes at a cost of \u00a3149 plus VAT and has a \u00a31.75 transaction fee.<\/p><h4>takepayments<\/h4><p>There are a number of different card readers to choose from with takepayments. All of them come with 12-month contracts and no set-up fees, but prices are personalised depending on your requirements. <\/p><ul class=\"has-margin-bottom\"><li>The touchscreen card machine has, as the name suggests, a touchscreen for ease of use and enables you to add up to 6 users. <\/li><li>The countertop card machine is ideal for those who need to take payments behind a till or reception point. It plugs directly into your broadband or phone line.<\/li><li>The portable card machine uses wireless Bluetooth technology so that you can take payments at the table. It\u2019s small and light and has a long-lasting battery. <\/li><li>The mobile card machine uses 3G to connect to a GPRS signal via a SIM card so that you can accept card payments anytime, anywhere. It\u2019s light and portable and has an integrated printer.<\/li><\/ul><p>There\u2019s also takepaymentsplus, which costs \u00a325 a month and allows you to access real-time reporting and accountancy-ready sales reports. It also gives you up-to-date reporting on the stock you sell. <\/p><h4>Dojo<\/h4><p>Dojo offers two types of card reader \u2013 the Dojo Go, which is a standalone, on-the-go device and the Dojo One, which is an integrated, countertop terminal. Both card machines cost between \u00a315 and \u00a320 per month, depending on your business\u2019s annual card turnover, and have a variable transaction cost of 1.3% +3p to 2.3% +3p depending on card type and payment method.<\/p><h3>Top 4 best mobile card readers for UK small businesses May 2026<\/h3><p>The best mobile card reader for your small business will ultimately depend on how much you can afford to spend on a card reader and whether you\u2019re happy to be tied into a contract. We\u2019ve outlined some of our top choices for small businesses below:<\/p><h4>Best for flexible connectivity<\/h4><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Barclaycard Payments Flex Mobile<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n  \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Barclaycard Payments Flex Mobile\" src=\"https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/621639f2f1a9f.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<a class=\"luna-button luna-button--primary luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/card-readers\/barclaycard\" role=\"button\">Read review<\/a>\r\n<\/div>\r\n  \r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">\u00a315<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Monthly fees<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">18 months<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Contract<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">700 sales<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Battery life<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">No<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Cashback<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nThis multi-purpose device accepts all payment types and has flexible connectivity so that you can keep trading wherever you are. It can switch between Bluetooth, GPRS, WiFi and mobile data networks. The card reader can accept up to 700 sales a day on a full charge and comes with a monthly rental fee of \u00a310, plus VAT. There's also a 1.6% transaction fee for small businesses that take lower volume transactions - this cost is variable for bigger businesses.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>Low monthly fee<\/li>\r\n\r\n<li>Flexible connectivity<\/li>\r\n\r\n<li>Accepts up to 700 sales a day<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Variable transaction fee<\/li>\r\n\r\n<li>18 month contract<\/li>\r\n\r\n<li>Battery life <\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-07cf5989-c400-4d5c-8893-dc6fe4d8d81e\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Initial cost<\/th>\r\n<td>\u00a30<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Monthly fees<\/th>\r\n<td>\u00a315<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n\r\n\r\n<tr>\r\n<th>Contract<\/th>\r\n<td>18 months<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Networks<\/th>\r\n<td>Amex<br>Visa<br>Mastercard<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Connectivity<\/th>\r\n<td>SIM card<br>Bluetooth<br>WiFi<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Payment method<\/th>\r\n<td>Contactless<br>Chip and Pin<br>Magnetic swipe<br><\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n  \r\n<\/div>\r\n<\/div>\r\n<\/article><h4>Best for battery life<\/h4><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Dojo Go (Fix plan)<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n  \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Dojo Go (Fix plan)\" src=\"https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/628b7d117a04f.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<a class=\"luna-button luna-button--primary luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/card-readers\/dojo\" role=\"button\">Read review<\/a>\r\n<\/div>\r\n  \r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">1%<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Transaction fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">\u00a339.99<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Monthly fees<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">1 month minimum<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Contract<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">10 hours<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Battery life<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-bc37f969-fdf2-46f7-9dff-669bf3102e07\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-bc37f969-fdf2-46f7-9dff-669bf3102e07\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-bc37f969-fdf2-46f7-9dff-669bf3102e07\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-bc37f969-fdf2-46f7-9dff-669bf3102e07\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nThis sleek device offers mobile 4G connectivity and has a 10-hour battery life, making it ideal for small businesses with on-the-go transactions. Minimum contract terms start from 1 month. You\u2019ll pay a terminal fee of \u00a320 a month if you make less than \u00a3150,000 in annual card turnover, or \u00a315 a month if you make more than \u00a3150,000 in annual card turnover. Transaction fees also vary.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-bc37f969-fdf2-46f7-9dff-669bf3102e07\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>Long-lasting battery<\/li>\r\n\r\n<li>4G connectivity<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>\u00a320 monthly fee<\/li>\r\n\r\n<li>Transaction fees vary<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-bc37f969-fdf2-46f7-9dff-669bf3102e07\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Initial cost<\/th>\r\n<td>\u00a30<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Monthly fees<\/th>\r\n<td>\u00a339.99<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Transaction fee<\/th>\r\n<td>1%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Contract<\/th>\r\n<td>1 month minimum<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Networks<\/th>\r\n<td>Amex<br>Visa<br>Mastercard<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Connectivity<\/th>\r\n<td>SIM card<br>WiFi<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Payment method<\/th>\r\n<td>Contactless<br>Chip and Pin<br>Magnetic swipe<br><\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n  \r\n<\/div>\r\n<\/div>\r\n<\/article><h4>Best for no monthly fees<\/h4><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Zettle Card Reader 2<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n  \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Zettle Card Reader 2\" src=\"https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6229fb40e8798.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<a class=\"luna-button luna-button--primary luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/card-readers\/zettle\" role=\"button\">Read review<\/a>\r\n<\/div>\r\n  \r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">1.75%<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Transaction fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">\u00a349<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Initial cost<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">No contract<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Contract<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">100 sales<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Battery life<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nThis mobile card reader takes quick card and contactless payments for in-store and on-the-go sales. There\u2019s no monthly fee, just an upfront payment of \u00a329, plus VAT, and a 1.75% transaction fee. You\u2019ll need to pair it to your mobile device and it works with a range of point-of-sale apps and you can scale it as your business grows.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No contract<\/li>\r\n\r\n<li>Pairs with mobile device<\/li>\r\n\r\n<li>Fixed transaction fee<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Suited for small businesses<\/li>\r\n\r\n<li>Higher transaction fee compared to others<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-4b5d4e93-deb8-4795-b399-bff5bd64d8b5\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Initial cost<\/th>\r\n<td>\u00a349<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Monthly fees<\/th>\r\n<td>\u00a30<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Transaction fee<\/th>\r\n<td>1.75%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Contract<\/th>\r\n<td>No contract<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Networks<\/th>\r\n<td>Amex<br>Visa<br>Mastercard<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Connectivity<\/th>\r\n<td>Bluetooth<br>WiFi<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Payment method<\/th>\r\n<td>Contactless<br>Chip and Pin<br><\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n  \r\n<\/div>\r\n<\/div>\r\n<\/article><h4>Best for on-the-go sales<\/h4><article class=\"luna-card luna-card--border\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">takepayments Mobile<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n  \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"takepayments Mobile\" src=\"https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/626ab360e1a5e.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/takepayments-mobile-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22b278e131-3504-4321-bbf6-62921a659790%22%2C%22product_name%22%3A%22takepayments%2BMobile%22%2C%22offer_id%22%3A%2222259%22%2C%22decorator%22%3A%22UKCCF-CRE.PRODUCT.HERO_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF-CRE%22%2C%22post_id%22%3A%22439188%22%2C%22post_path%22%3A%22card-readers%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-top: .5rem;\" type=\"button\"><span>Go to site<\/span><\/a>\r\n<a class=\"luna-button luna-button--primary luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/card-readers\/takepayments\" role=\"button\">Read review<\/a>\r\n<\/div>\r\n  \r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">12 month<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Contract<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">All day<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Battery life<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900; line-height: 1.1;\">No<span class=\"text-xx-small\" style=\"font-weight: normal\"><\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Cashback<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-b278e131-3504-4321-bbf6-62921a659790\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-b278e131-3504-4321-bbf6-62921a659790\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-b278e131-3504-4321-bbf6-62921a659790\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-b278e131-3504-4321-bbf6-62921a659790\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nYou\u2019ll be able to take card payments anywhere, any time with this portable device. This can be a great choice if your business is in the hospitality industry and you regularly serve customers outside. It\u2019s easy to set up and has a long lasting battery, plus a fast integrated printer. It comes with a SIM card and will connect to the strongest GPRS signal available through 3G. Prices are tailored to your business and you\u2019ll need to sign up to a 12 month contract.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-b278e131-3504-4321-bbf6-62921a659790\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No set-up fees<\/li>\r\n\r\n<li>Integrated printer<\/li>\r\n\r\n<li>Long lasting battery<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Prices vary<\/li>\r\n\r\n<li>12 month contract<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-b278e131-3504-4321-bbf6-62921a659790\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<tr>\r\n<th>Contract<\/th>\r\n<td>12 month<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Networks<\/th>\r\n<td>Amex<br>Visa<br>Mastercard<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Connectivity<\/th>\r\n<td>SIM card<br>Bluetooth<br>WiFi<br><\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Payment method<\/th>\r\n<td>Contactless<br>Chip and Pin<br><\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n  \r\n<\/div>\r\n<\/div>\r\n<\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3 id=\"learn\">How to choose the best card reader<\/h3><p>To find the best card reader, follow the steps below:<\/p><ol><li><strong>Work out what you need from a card reader.<\/strong> Think about whether you\u2019ll need a card reader that\u2019s portable \u2013 for example, if you run a cafe with tables outside or if you drive around to visit customers \u2013 or whether your business has a fixed payment point, in which case a countertop card reader would be suitable. Consider, too, whether you need one that allows you to print receipts and so on and whether you\u2019re happy to be tied into a contract. <\/li><li><strong>Find the providers that offer the type of card reader you\u2019re after.<\/strong> Next, take a look at the providers that offer the type of machine you need, including whether they can be linked to an app. Make sure the app offers everything you need it to \u2013 for example, if you can track your payments and send invoices. Check the battery life too.<\/li><li><strong>Compare different card machines.<\/strong> Once you\u2019ve got your list of suitable providers, make sure you compare exactly what\u2019s on offer and how much each one costs \u2013 both for the device itself and the transaction fees.<\/li><li><strong>Pick the card machine you want.<\/strong> Finally, once you\u2019ve found the card machine you want, click through to apply online or give the provider a call to get your application up and running.<\/li><\/ol><\/div><\/article><h3 id=\"compare\">How to compare card reader machines<\/h3><h4 id=\"fees\">Fees and charges<\/h4><p>Card machines feature a range of fees and charges. The size of your business and the volume of transactions typically made will alter what card reader will work best for you. For example, some payment machine platforms charge a higher transaction fee for a lower volume of sales. So if you are a small business looking for your best card machine, make sure you read the T&amp;Cs before you commit. <\/p><p>Some of the most common fees include the following:<\/p><ul><li><strong>Initial or monthly costs.<\/strong> There will usually be an upfront fee for buying the card reader outright or a monthly fee for renting it. Check whether VAT is included.<\/li><li><strong>Transaction costs.<\/strong> These can range between 1.6% and 2.5% and are charged each time a transaction is carried out.<\/li><li><strong>Card not present transaction costs.<\/strong> Some card readers might charge separate fees for transactions taken over the phone.<\/li><li><strong>Chargeback costs.<\/strong> You may have to pay a fee if a customer disputes a transaction and the card payment is returned.<\/li><li><strong>Refund costs.<\/strong> Some card readers will also charge you if you need to refund a customer for a purchase.<\/li><li><strong>Cancellation costs.<\/strong> If you\u2019re signed up to a contract and want to get out of it early, there may be a fee to pay.<\/li><li><strong>Contract.<\/strong> Depending on the provider, you might be charged a monthly contract fee.<\/li><\/ul><h4 id=\"features\">Features<\/h4><ul><li><strong>Connectivity.<\/strong> Check whether your card reader needs to be connected to a phone or tablet, whether it only uses Wi-Fi or whether it can also use GPRS technology.<\/li><li><strong>Payment methods.<\/strong> Check whether the card reader can take chip and PIN and contactless payments as well as Apple Pay, Samsung Pay and Google Pay.<\/li><li><strong>Settlement in working days.<\/strong> Check how soon the money from a transaction will reach your account. This is often between 1 and 3 working days.<\/li><li><strong>Battery life.<\/strong> How many transactions can the card reader carry out before needing to be recharged?<\/li><li><strong>Warranty period.<\/strong> Check whether it comes with a 12-month or 24-month warranty if there are any issues with the device.<\/li><li><strong>Money back guarantee.<\/strong> Will you get your money back if you\u2019re not satisfied with your card reader? Check how long you have to return the device to qualify.<\/li><li><strong>Cashback.<\/strong> Some card reader providers offer benefits such as cashback, so factor this into your comparison.<\/li><\/ul><h4>Add-ons<\/h4><ul class=\"has-margin-bottom\"><li><strong>Printer.<\/strong> Some card readers come with an in-built printer, which can be handy for receipts.<\/li><li><strong>Barcode scanner.<\/strong> Consider whether your business would benefit from having a barcode scanner on the device.<\/li><li><strong>Dock.<\/strong> Check whether the device comes with a dock for easy charging.<\/li><\/ul><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Not all card readers accept American Express payments and those that do will often charge higher transaction fees. Make sure you consider this when comparing card readers for your business.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3 id=\"pros_cons\">Pros and cons of card readers<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Flexible pricing<\/li>\n                                    <li>Different options available to suit your business needs<\/li>\n                                    <li>Convenient for both you and your customers<\/li>\n                                    <li>Immediate and secure transactions<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Fees can be high<\/li>\n                                    <li>Delay in receiving funds compared to cash<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"faq\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What is the best card reader for small businesses?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Ultimately, the best card reader for your business depends on your own needs and wants. However, that being said, there are plenty of card readers that cater for small businesses.<\/p><p>For example, if you\u2019re a small business owner that needs an on-the-go payment system, a card reader that offers connection via Bluetooth, rather than ethernet, will be more favourable. Again, if you don\u2019t have the largest payment set-up, a more compact machine could work better for you.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is the cheapest way to take card payments?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will depend on the type of business you run and the type of card machine you need. Always compare your options carefully to check you\u2019re getting the best deal.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I take payment over the phone on a card machine?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>To do this, you\u2019ll need to enter the cost of the item on the machine and then type in the customer\u2019s 16-digit credit or debit card number. You\u2019ll also be asked to enter the expiry date and the 3-digit security code from the back of the card.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How much does a card payment machine cost?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>This will depend on the provider and the type of card reader you require, but it can vary between \u00a319 and \u00a3209. Some providers work by charging you a monthly rental, where others allow you to buy the card machine with a one-off payment.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How can I accept credit card payments without a machine?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can do this through digital payment services such as PayPal, beepaid or GoCardless.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out how card readers work and how to choose the best card payment machine for your business. <\/p>\n","protected":false},"author":1231,"featured_media":441784,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-nb-table-with-filters.php","meta":{"footnotes":""},"tags":[2565],"class_list":["post-439188","page","type-page","status-publish","has-post-thumbnail","hentry","tag-latest-3"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare best card readers for small UK businesses for 2026<\/title>\n<meta name=\"description\" content=\"Find out how card readers work and how to choose the best card payment machine for your business. Compare current market rates.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/card-readers\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare card payment machines\" \/>\n<meta property=\"og:description\" content=\"Find out how card readers work and how to choose the best card payment machine for your business. 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