How to Get a Card Payment Machine in the UK

By Olivia Johnson - Trusted UK Business Expert

Last Updated 10th of May 2025

5 minute read

If you run a business in the UK and need to accept card payments, we can guide you through the process of getting a card payment machine. Whether you’re a small business owner or managing a large operation, we have all the information you need to make this essential step easy. 

To get a card payment machine in the UK, you need to choose a provider, set up an account, and select the right type of machine for your business. Popular providers include banks and third-party payment processors. Once everything is set up, you can start accepting card payments. 

If you’re unsure where to begin or what provider to choose, don’t worry. In this article, we’ll walk you through the entire process of acquiring a card payment machine in the UK, as well as help you make an informed decision. 

Make transactions easier for your customers. Discover the step-by-step process to get a card payment machine in the UK. Get started below.

How to Get a Card Payment Machine in the UK 

Getting a card payment machine in the UK is an important step in growing your business. In the modern world, customers expect businesses to accept card payments, whether through debit or credit cards. Thankfully, the process is straightforward, and there are plenty of options available to help you get started quickly. This article will guide you through the steps of getting a card payment machine and highlight some important considerations to make the right choice for your business. 

Step-by-Step Process for Getting a Card Payment Machine

1. Research Card Payment Providers: The first step in acquiring a card payment machine is researching and choosing the right provider. Some well-known options in the UK include banks like Barclays and Lloyds, and third-party payment processors such as Square, iZettle, and SumUp. Each of these providers offers different benefits and pricing structures. It’s essential to compare them carefully to ensure you’re selecting one that aligns with your business needs. 
2. Set Up a Merchant Account: Once you’ve chosen your provider, the next step is to set up a merchant account. This account is where the money from card payments will be deposited after each transaction. Depending on your provider, you may be able to set up the merchant account alongside your card machine order, or you might need to go through a separate process. Ensure that the provider offers secure payment processing to protect both you and your customers. 
3. Select the Right Card Payment Machine: Card payment machines come in different types, and the right one for your business will depend on how you intend to accept payments. For example, if you run a physical store, a countertop machine might be the best option. If you’re a mobile business, such as a food truck or market stall, a portable machine with Bluetooth capability could be ideal. Some providers also offer contactless payment options, which can improve the customer experience and increase sales. 
4. Sign an Agreement with the Provider: After selecting your machine, you’ll need to sign an agreement with the provider. This agreement will outline the terms of service, including transaction fees, hardware costs, and any ongoing charges. Make sure to read through the contract carefully to understand what you’re agreeing to and check for any hidden costs or long-term commitments. 
5. Install and Test the Machine: After receiving your card payment machine, you’ll need to set it up. This typically involves connecting it to the internet (either through Wi-Fi or a mobile data connection), entering your merchant account information, and testing the machine with a small payment to ensure everything works correctly. 
6. Start Accepting Card Payments: Once your machine is set up, you’re ready to start accepting payments from your customers. Ensure that you’re aware of any transaction fees or monthly charges, as they can vary between providers. Most machines are easy to use, and the process of accepting card payments is seamless. 

What Factors to Consider When Choosing a Card Payment Machine in the UK 

Choosing the right card payment machine for your business is crucial to ensuring smooth payment processing and maximising customer satisfaction. Here are some important factors to consider: 

• Transaction Fees and Costs: Different providers have different fee structures, so it’s important to evaluate these costs before making a decision. Some may charge a fixed monthly fee, while others charge per transaction. Be sure to compare these fees to find the most affordable option for your business. For example, Square charges a flat rate per transaction, whereas banks may offer bespoke pricing depending on your business size.
• Machine Features: The features of the card machine are another key factor in your decision. Some machines offer basic chip and PIN functionality, while others include options like contactless payments, mobile phone compatibility (such as Apple Pay or Google Pay), and even the ability to print receipts. For mobile businesses, the portability of the machine and its connection options (such as Bluetooth) may be more important than the features offered by a countertop machine.
• Payment Security: Security should always be a top priority when accepting card payments. Ensure that the provider complies with PCI DSS (Payment Card Industry Data Security Standard) regulations, which help protect sensitive customer data. Some payment processors also offer fraud prevention tools to further secure your transactions.
• Customer Support and Service: Good customer support is essential, especially if you run into technical issues. Make sure the provider offers reliable customer support, such as phone or online chat, and that they can quickly assist with troubleshooting. Look for a provider with good customer reviews and a reputation for excellent service.
• Speed and Reliability: The speed at which your payments are processed and the reliability of the card machine itself are important factors. You don’t want your customers to experience delays at checkout. A reliable card machine ensures that transactions go smoothly, reducing customer frustration and improving overall satisfaction.

How Much Does a Card Payment Machine Cost in the UK? 

When considering a card payment machine, it’s important to understand the cost breakdown. The price will depend on several factors, including the type of machine, the provider you choose, and whether you opt for a lease or buy arrangement. Here’s a basic overview of potential costs: 

• Initial Purchase: Many providers sell card machines upfront for a one-off fee, which can range from £50 to £200 for basic machines. More advanced machines with additional features can cost up to £500 or more. 
• Monthly Fees: In addition to the cost of the machine, there may be ongoing monthly fees for using the service. These fees usually range from £10 to £30 per month. 
• Transaction Fees: Most providers charge a fee per transaction, typically between 1% and 3%. Some providers may charge a flat fee per transaction, while others charge based on the value of the sale. 
• Additional Costs: Some providers may offer optional extras, such as receipt printers or card readers for contactless payments. These could add extra costs to your setup. 

FAQ 

Can I get a card payment machine without a business account?

No, you’ll need a business account to process card payments legally in the UK. This is typically required by most payment providers. 

How long does it take to get a card payment machine in the UK?

The process of setting up your card payment machine usually takes 1 to 3 weeks, depending on the provider and the machine you’ve chosen. Some providers offer next-day delivery for certain models. 

What is the best card payment machine for small businesses?

For small businesses, portable options like iZettle or SumUp are often the best choice. These machines are affordable, easy to use, and don’t require a long-term commitment. 

Are card payment machines safe to use?

Yes, as long as you choose a reputable provider that complies with PCI DSS security standards, your transactions will be secure. 

Can I use a card payment machine for online payments?

Card payment machines are generally for in-person payments. However, some providers offer integration options to process online payments as well, allowing you to accept both in-store and online transactions. 

Ready to accept card payments in your business? Click the link below to find out more about the best card payment machines in the UK and choose the perfect solution for your needs.