What You Need to Know Before Buying a Card Payment Machine

By Olivia Johnson - Trusted UK Business Expert

Last Updated 20th of March 2025

5 minute read

Deciding to buy a card payment machine for your business is an important step towards improving customer satisfaction and streamlining transactions. We’re here to guide you through the essentials to help you make the right choice. Let us explain what you need to know before purchasing one.

Before buying a card payment machine, consider factors like transaction fees, security features, customer support, and compatibility with your existing systems. Understanding these aspects will help you choose the right machine for your business needs.

There’s more to buying a card payment machine than just selecting the first one you see. Let’s dive into the essential details to help you make an informed decision, ensuring you get the most out of your purchase.

Ready to buy a card payment machine? Learn what you need to know before making your choice. Click the link below to get all the details.

What is a Card Payment Machine? 

A card payment machine, also known as a point of sale (POS) system, is a type of electronic device that allows customers to pay for their purchases using a debit or credit card. 

Card payment machines are typically used in retail environments, but they can also be found in restaurants, hotels, and other businesses. 

How do Card Payment Machines Work? 

Most card payment machines work by connecting to a merchant account. This account allows businesses to process card payments and deposit the funds into their bank account. 

To use a card payment machine, customers will simply swipe their card or insert it into the machine. The machine will then communicate with the customer’s bank to confirm that the funds are available and process the transaction. 

What are the Different Types of Card Payment Machines? 

There are a few different types of card payment machines available, and the right one for you depends on how your business operates. The main options include:

• Countertop Machines: These are stationary machines that are used at a checkout counter. They are ideal for businesses where transactions are conducted in a fixed location, such as retail stores and restaurants.
• Portable Machines: These allow flexibility as they can be carried around to process payments in various locations. They’re often used in cafés, food trucks, or for services where payments are made at the customer’s location.
• Mobile Card Readers: These are compact devices that connect to a mobile phone or tablet via Bluetooth. They’re perfect for businesses on the go, such as delivery drivers, freelance workers, or small vendors at markets.

What Should You Consider When Buying a Card Payment Machine? 

There are a few factors you should consider when buying a card payment machine, including: 

• The type of business you have: As we mentioned earlier, countertop machines are better suited for businesses that have a fixed location, while portable machines are more convenient for businesses that move around frequently. This is because countertop machines are typically more expensive and require a dedicated power source, while portable machines are less expensive and can be used without being plugged into an outlet. 
• The types of cards you accept: Not all card payment machines are created equal. Some machines can only process certain types of cards, such as debit cards or credit cards. Make sure to choose a machine that can process the types of cards you accept. 
• The features you need: When shopping for a card payment machine, you’ll find that there are many different features available. Some machines have simple features that only allow customers to swipe or insert their card, while others have more advanced features, such as the ability to print receipts or add tips. Think about the features you need and choose a machine that has the right mix of features for your business. 
• The types of payments you accept: Some card payment machines can only process credit card payments, while others can also accept debit cards, Apple Pay, and Google Pay transactions. Are you looking for a machine that can only process credit card payments? Do you want a machine that can accept multiple types of payments? Choose a machine that can process the types of payments you accept. 
• Your budget: Card payment machines can vary significantly in price, so it’s important to set a budget before you start shopping. Countertop machines typically cost more than portable machines, but they also offer more features. Keep in mind that you’ll also need to pay for a merchant account. Take the time to compare the costs of different card payment machines and merchant accounts before making a decision. 

Benefits of Using a Card Payment Machine 

There are many benefits of using a card payment machine, including: 

• Increased sales: Card payment machines can help you increase sales by making it easier for customers to pay for your products or services. You’ll no longer have to worry about customers not having enough cash on hand to make a purchase
• Improved customer service: Card payment machines can also improve customer service by reducing the time it takes to process transactions. Customers will appreciate being able to quickly swipe or insert their card and be on their way. 
• Reduced costs: Card payment machines can save you money by eliminating the need to process cash and check payments. If you accept credit card payments, you’ll also avoid paying credit card processing fees. This can all add up to significant savings for your business. Not only that, card payment machines can help you save time by reducing the number of transactions you have to process. 
• Greater security: Card payment machines offer greater security than traditional methods of processing payments, such as through a cash register. This is because card payment machines encrypt credit card information to prevent fraud. What’s more, card payment machines can also help you track sales and inventory. 

How to Compare Card Payment Machines

When comparing different machines, look for the following features:

• Transaction Speed: Some machines process payments faster than others. If you have a high-volume business, speed will be a key factor.
• Additional Features: Some machines offer additional features, such as the ability to print receipts, access sales reports, or integrate with loyalty programs.
• Mobile Access: If you need to process payments on the go, ensure the machine supports mobile connectivity.

Choosing the Right Machine for Your Business

The type of card payment machine you buy depends on your business’s needs. For instance, a small café might benefit from a mobile card reader, whereas a larger retail store would likely require a countertop machine for the checkout counter. Consider the following when making your decision:

• Volume of Transactions: If you process a large number of payments daily, you might need a machine with more advanced features and higher capacity.
• Location: If you need to accept payments on the move, a portable or mobile card reader would be ideal. For fixed locations, a countertop machine may be more practical.

Now that you have all the information needed, you’re in a great position to choose the right card payment machine for your business. Don’t let the decision overwhelm you – click the link below to explore top-rated card payment machines and find the best option for your needs.

FAQ

What is the difference between countertop and mobile card payment machines?

Countertop machines are stationary and ideal for businesses with a fixed location, while mobile machines are portable and used for on-the-go transactions, such as for delivery drivers or pop-up stores.

Are card payment machines expensive to maintain?

The cost of maintaining a card payment machine typically includes transaction fees, occasional maintenance, and possibly software updates. However, many providers offer affordable plans to minimise long-term expenses.

Can I use a card payment machine for contactless payments?

Yes, many modern card payment machines support contactless payments, including NFC-enabled cards and mobile wallets such as Apple Pay and Google Pay.

How long does it take to set up a card payment machine?

Setting up a card payment machine can take anywhere from a few hours to a couple of days, depending on the complexity and the type of machine you are using.

By following this guide, you’ll be well-equipped to make the best decision when buying a card payment machine for your business. Keep the factors mentioned in mind, and you’ll ensure a smooth transaction process for both you and your customers.