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Card machines for UK businesses
The right card machine for your business
Save up to 40% on transaction fees. Get free, no-obligation quotes from trusted providers like SumUp, Dojo and myPOS — matched to your turnover, not a sales target.
check_circle100% free quotes
check_circleNext-day funding available
check_circleContactless TapPayment approved · £24.50
credit_cardDirect SwitchFees from 0.99%
starRated 4.8/5 by UK businesses
receipt_long100% free quotes
phone_disabledNo-obligation, no pushy calls
support_agentUK-based expert team
Switching made simple
Three steps to lower card fees
Seamlessly transition your business to transparent pricing and reliable card processing hardware without disruptions.
Get matched quotes
Machines and rates that actually fit your volume.
Start saving
Pick your machine. We handle setup with the provider.
Card machines
Find the right machine at a glance
Real terminals, real rates — matched to how you trade.
SumUpBest for low turnoverpoint_of_sale
SumUp Air
- percentRate
- 1.69%
- paymentsMonthly fee
- £0
- history_toggle_offContract
- Rolling
- check_circleNo monthly fee
- check_circlePocket-sized
DojoBest for speeddevices
Dojo Go
- percentRate
- Custom
- paymentsMonthly fee
- £20
- history_toggle_offContract
- 1 month rolling
- check_circleNext-day payouts
- check_circleApp ecosystem
myPOSBest for mobilityphonelink_ring
myPOS Go 2
- percentRate
- 1.10% + 7p
- paymentsMonthly fee
- £0
- history_toggle_offContract
- Rolling
- check_circleInstant settlement
- check_circleBuilt-in 4G SIM
Shift4Best for retailstore
Shift4 Pro
- percentRate
- 0.99%
- paymentsMonthly fee
- £15
- history_toggle_offContract
- 12 months
- check_circleLow rate guarantee
- check_circleRetail-ready terminal
TeyaBest for hospitalityrestaurant
Teya Smart
- percentRate
- 1.25%
- paymentsMonthly fee
- £0
- history_toggle_offContract
- 30 days
- check_circleTable service sync
- check_circleTips built in
EPOS NowBest for integrated POSdesktop_windows
EPOS Now
- percentRate
- 1.50%
- paymentsMonthly fee
- £25
- history_toggle_offContract
- 12 months
- check_circleStock & staff tools
- check_circleFull till system
Rates are typical figures and were last checked March 2026. Your quote depends on your turnover and card mix.
Trusted by the UK's leading payment providers
- SumUp
- dojo
- teya
- myPOS
- SHIFT4
- Zettle
- worldpay
- eposnow
- Square
- Barclaycard
App-based terminals vs simple card readers
Modern terminals do more than take money — they manage orders, track staff and run delivery apps. Simple readers just take payments, quickly and cheaply.
check
The app ecosystem
For restaurants and busy shops needing floor, order and rider management.
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Simple card readers
For market stalls and trades who just need a fast, reliable tap.
receipt_longTable 4 · Settled£36.80 · Paid verified
Card machines side by side
Direct breakdown across hardware, fees, and operational features.
| Provider | Transaction rate | Monthly fee | Contract | App / multi-user | Best suited for |
|---|---|---|---|---|---|
| SumUp AirTop pick | 1.69% | £0 | Rolling | — | Small business |
| Dojo Go | Custom | £20 | 1 month rolling | check_circle | Busy retail/food |
| myPOS Go 2 | 1.10% + 7p | £0 | Rolling | — | Small business |
| Shift4 Pro | 0.99% | £15 | 12 months | check_circle | Busy retail/food |
| Teya Smart | 1.25% | £0 | 30 days | check_circle | Hospitality |
| EPOS Now | 1.50% | £25 | 12 months | check_circle | Full inventory |
Which machine suits your turnover?
Startups (under £2k/month)
Avoid monthly fees. Pay-as-you-go is your best friend until you scale.
- check_circleNo fixed costs
- check_circleInstant setup
Growth (£2k–£10k/month)
Lower rates start to beat a small monthly fee.
- check_circleLower blended rates
- check_circleNext-day settlement
High volume (£10k+/month)
Negotiate a custom rate. Every 0.1% saved adds up fast.
- check_circleBespoke pricing
- check_circleAccount management
How to choose the right machine
- 1
Check the battery life
On the road? You'll need 10+ hours of active use.
- 2
Look at settlement times
Some pay next day, others take 3–5 working days.
- 3
Review the hidden fees
Watch for PCI compliance fees and non-secure transaction surcharges.
warning
When NOT to switch
Switching isn't always the right move. Pause if:
cancelExit fee outweighs savingsYour current provider has an exit fee that outweighs 12 months of savings.
cancelBespoke EPOS integration locksYou have a bespoke EPOS integration that isn't compatible with other terminals.
cancelMid-seasonal business peaksYou're mid-way through a seasonal peak — hardware delays could hurt sales.
Types of card machine
desktop_windows
Countertop
Ethernet connected. Reliable for permanent retail points.
wifi
Portable
Bluetooth/Wi-Fi. Ideal for taking payments at the table.
cell_tower
Mobile
4G SIM built in. Perfect for deliveries and market stalls.
point_of_sale
EPOS systems
Full till systems with stock and staff management.
format_quote
David RichardsonSenior Payments Advisor, Upscale
"The biggest mistake SME owners make is staying with their high-street bank for card processing. You're likely paying double the market rate for outdated hardware."
David RichardsonSenior Payments Advisor, Upscalebalance
Impartial experts
We're not tied to any provider. Our goal is the lowest rate, period.
speed
Fast & simple
Answer 3 questions and get tailored quotes in under 60 seconds.
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Real savings
Lower fees that drop straight to your bottom line.
What UK business owners say
4.8
starstarstarstarstar_half
Based on 1,420+ verified UK reviews
starstarstarstarstar
"Switched from our old bank terminal to Dojo. Payouts arrive at 10am every morning including weekends. Game changer."
Marcus DaviesThe Daily Grind, BristolDojo Gostarstarstarstarstar
"SumUp Air got us taking contactless at markets within 2 days with zero monthly fees. Exactly what we needed."
Sarah JenkinsCornerstone Crafts, LeedsSumUp Airstarstarstarstarstar
"Our transaction rate dropped from 2.1% to 0.99% with Shift4. Saving almost £350 a month on card processing."
David WilsonWilson Retail, ManchesterShift4 ProCard machine FAQs
Which card machine is cheapest for a small business?expand_more
For low turnover, a no-contract reader with no monthly fee usually works out cheapest — you only pay when you take a payment. Once you turn over £2k+/month, fixed low-rate contracts often save more overall.
Do I need a contract for a card machine?expand_more
Not always. Many readers run on a rolling or 30-day basis, while lower-rate terminals can ask for 12 months or more. We show the contract length on every quote.
What's the difference between pay-as-you-go and a managed contract?expand_more
Pay-as-you-go has no monthly fee but a higher per-transaction rate. A managed contract adds a monthly fee in exchange for a lower rate, so it suits higher turnover.
How quickly do I get my money?expand_more
It varies by provider: some settle instantly or next day, others take 3–5 working days. Settlement time is listed alongside each machine.
Can I switch card machine provider if I'm in a contract?expand_more
Often yes, but check for an exit fee first. If the fee outweighs about 12 months of savings, it can be better to wait until your term ends.
Which card machine is best for a restaurant?expand_more
Portable, app-based terminals with table-service sync and built-in tipping, such as Teya Smart or Dojo Go, usually suit hospitality best.
Do card machines work without Wi-Fi?expand_more
Yes. Mobile models include a built-in 4G SIM, so they work without Wi-Fi, which suits deliveries and market stalls.
Can I get funding based on my card takings?expand_more
Yes. A merchant cash advance is repaid as a small percentage of your daily card sales. Ask us when you request your quotes.
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Find your perfect card machine
Takes about 2 minutes. Your details are only used to prepare your quotes and are never shared without your consent.
- check_circleFree & no obligation
- check_circleUK-based team
Prefer to talk?+44 7367 061966
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