The Top 8 Card Machines for Small UK Businesses

By Olivia Johnson - Trusted UK Business Expert

Last Updated 8th of December 2024

6 minute read

In today’s digital age, cashless transactions have become the norm, with consumers increasingly relying on card payments for convenience and security.

For small businesses in the UK, having the right card machine is essential for accommodating these preferences and ensuring smooth transactions. With a multitude of options available in the market, selecting the best card machine can be overwhelming.

To simplify this process, we’ve curated a list of the top 8 card machines for small UK businesses tailored specifically for small businesses in the UK, providing a comprehensive comparison to help entrepreneurs make informed decisions. 

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8 Card Machines for Small UK Businesses

When selecting a card machine for your small business in the UK, it’s important to choose one that meets your needs in terms of functionality, fees, and ease of use. Here are eight popular card machines suitable for small UK businesses:

1. Square : Square leads the pack with its innovative free point-of-sale tools and sleek card readers. Designed for simplicity and flexibility, Square offers no contracts or monthly fees, making it an ideal choice for startups and small retailers. With its intuitive app and transparent pricing, Square empowers businesses to accept card payments effortlessly. 
2. Takepayments : Takepayments stands out for its competitive pricing plans and diverse range of card machines. Whether you prefer a smart POS terminal or a traditional card reader, Takepayments offers tailored solutions to meet the unique needs of small businesses. With its user-friendly interface and responsive customer support, Takepayments ensures a seamless payment experience for merchants. 
3. SumUp : Renowned for its excellent value for money, SumUp provides a variety of card payment solutions, including standalone terminals and mobile card readers. With no setup fees or monthly charges, SumUp offers affordability and convenience for budget-conscious businesses. Its straightforward pricing structure and reliable performance make it a popular choice among small retailers and service providers. 
4. Dojo : Dojo simplifies card payments with its intuitive touchscreen terminal and flexible contract options. Despite some additional costs, Dojo’s short-contract packages offer convenience and affordability for small businesses. With its emphasis on user experience and reliability, Dojo ensures seamless transactions for merchants of all sizes. 
5. Worldpay : Worldpay is recognized for its high-quality card machines and round-the-clock customer support. While pricing transparency may be lacking, Worldpay’s custom fee plans cater to the diverse needs of small businesses. With its robust infrastructure and extensive network, Worldpay offers stability and reliability for merchants across various industries. 
6. PayPal Here : Empowering small businesses with its seamless integration with PayPal accounts, PayPal Here offers convenience and reliability. With competitive transaction fees and no fixed contract terms, PayPal Here is a popular choice among online sellers and mobile vendors. Its intuitive interface and wide range of features make it an attractive option for small retailers and service providers. 
7. iZettle : iZettle provides small businesses with a comprehensive payment solution, leveraging its user-friendly interface and robust card readers. With transparent pricing and no hidden fees, iZettle ensures clarity and affordability for merchants. Its seamless integration with various POS systems and extensive payment options make it a versatile choice for small retailers and hospitality businesses. 
8. Handepay : Focused on simplifying card payments for small businesses, Handepay offers a range of card machines tailored to different industries. With competitive rates and personalized customer support, Handepay prioritizes the needs of its clients. Its commitment to affordability and reliability makes it a trusted partner for merchants looking to enhance their payment processes. 

The table below provides a clear comparison of the top 8 card machines available for small UK businesses, highlighting their key features, cost structures, and ideal use cases. Use this guide to determine which card machine best fits your business needs.

Comparison Table of The Top 8 Card Machines for Small UK Businesses

How to Choose the Best Card Machine for Your Business

Now that you know about the top 8 card machines, how do you choose the best one? Think about what your business needs most.

• Cost: Look at the upfront costs and ongoing fees. Some machines are cheaper to buy but might have higher transaction fees.
• Features: Consider what features are important. Do you need a portable machine, or is a desktop terminal better?
• Ease of Use: Make sure the machine is easy to use for you and your staff.
• Customer Support: Good customer support can help if you have any problems.
• Integration: Check if the machine works with other tools you use, like your sales or inventory system.

By thinking about these factors, you can choose a card machine that fits your business needs and helps you serve your customers better.

In conclusion, selecting the best card machine is crucial for small businesses looking to optimize their payment processes and meet the evolving needs of their customers. Whether it’s Square’s innovative point-of-sale tools or SumUp’s excellent value for money, each option offers unique benefits tailored to the requirements of small businesses in the UK. By considering factors such as pricing, features, and customer support, entrepreneurs can choose the card machine that best suits their business needs and helps drive growth and success in the digital age. 

Ready to Choose the Right Card Machine?

We have shared a lot about the top card machines for small UK businesses. Now, you can decide which one is best for you. Click the link below to find more information and get started today!

FAQ 

What are card machines, and why do small businesses need them?

Card machines, also known as point-of-sale (POS) terminals, are electronic devices used to process debit and credit card payments. Small businesses need card machines to accommodate the increasing preference for cashless transactions among consumers, enhance customer convenience, and streamline their payment processes. 

What types of card machines are available for small businesses?

There are several types of card machines suitable for small businesses, including countertop terminals, portable terminals, mobile card readers, and smart POS systems. Each type offers different features and functionalities to cater to the unique needs of various businesses. 

How do I choose the right card machine for my small business?

When selecting a card machine, consider factors such as pricing, features, ease of use, contract terms, and customer support. Assess your business requirements and choose a card machine that aligns with your budget, transaction volume, and specific needs. 

Are there any hidden fees associated with using card machines?

While most card machine providers offer transparent pricing, it’s essential to review the terms and conditions carefully to identify any potential hidden fees. Common fees may include transaction fees, monthly service charges, setup fees, and early termination fees. 

Can I accept contactless payments with a card machine?

Yes, most modern card machines support contactless payment methods such as NFC (Near Field Communication), allowing customers to make payments quickly and securely by tapping their contactless cards or mobile wallets. 

Do I need a merchant account to use a card machine?

Yes, in most cases, you’ll need a merchant account to process card payments. Some card machine providers offer integrated merchant accounts as part of their service, while others may require you to set up a separate account with a bank or payment processor. 

How long does it take to set up and start using a card machine?

The setup process for a card machine typically involves completing an application, verifying your business details, and receiving the device. Depending on the provider, this process may take anywhere from a few days to a couple of weeks. Once set up, you can start using the card machine immediately. 

What type of customer support is available for card machine users?

Most card machine providers offer various customer support channels, including phone support, email support, and live chat. Additionally, some providers may offer online resources such as FAQs, user guides, and video tutorials to assist users with troubleshooting and technical assistance. 

Choosing the right card machine can make a big difference for your small UK business. We hope this comparison helps you make the best choice!