How to Compare Card Payment Machines

By Olivia Johnson - Trusted UK Business Expert

Last Updated 20th of March 2025

4 minute read

Choosing the right card payment machine can significantly improve your business’s payment process. With so many options available, it can be challenging to know where to start. But don’t worry, we’re here to help you navigate this decision confidently. 

To compare card payment machines, consider factors like transaction fees, customer service, ease of use, contract length, hardware compatibility, and security features. Choose a machine that fits your business needs, offers good support, and delivers value for money. 

There’s much more to consider when comparing card payment machines. Let’s dive deeper into how you can make the right choice, ensuring smooth transactions and better customer experiences. 

Find the best card payment machine for your business. Click below to compare features, fees, and providers and make the right choice.

How to Compare Card Payment Machines 

When you’re deciding on a card payment machine for your business, it’s essential to understand what factors to consider. Card payment machines come in different shapes, sizes, and price ranges, so knowing how to compare them will help you make an informed decision. There are many features and factors you should look into to ensure that you get the best payment solution for your business. 

Comparing card payment machines requires a careful look at several key aspects. Each type of payment machine has its pros and cons, so it’s essential to consider your specific needs and requirements. Here’s a comprehensive guide to help you compare card payment machines effectively. 

• Transaction Fees: One of the first things to compare when choosing a card payment machine is the transaction fees. These are the fees charged by the payment provider every time a card transaction is processed. Fees can vary significantly, depending on the machine and service provider. Some machines charge a flat fee per transaction, while others may have a percentage-based fee. Be sure to read the small print, as hidden costs, such as monthly fees or set-up costs, can add up. 
• Hardware Compatibility: Different businesses have different requirements for payment hardware. Some might prefer a simple countertop terminal, while others may need a portable device or even a mobile card reader. Ensure that the machine you choose works with your current hardware setup or offers the flexibility to integrate with additional systems. Many modern card payment machines are compatible with tablets, smartphones, and other point-of-sale systems. 
• Security Features: Security is a top priority when handling card payments. Make sure the machine supports the latest encryption technology, such as EMV (Europay, MasterCard, and Visa) chip and PIN, contactless payments, and PCI DSS (Payment Card Industry Data Security Standard). These features protect your business and your customers from fraud and data breaches. 
• Customer Support: Excellent customer service is vital when using a card payment machine. Choose a provider with responsive support that can help you quickly if any issues arise. Look for a provider that offers 24/7 support through multiple channels, such as phone, email, and live chat. Some providers also offer on-site support or training to ensure smooth operation. 
• Contract Length: Before committing to a card payment machine, carefully check the terms of the contract. Some providers lock you into a long-term contract, while others offer more flexible month-to-month options. It’s essential to know how long you’re committed to the machine and what penalties may apply if you want to cancel early. 
• Ease of Use: A user-friendly interface is crucial for both you and your customers. Choose a machine that is easy to navigate, with clear instructions and a smooth transaction process. This reduces the risk of errors and ensures faster payment processing, which is important for improving customer experience. 
• Payment Methods: Many businesses require card payment machines that can accept multiple types of payments, including debit and credit cards, contactless payments, and even mobile wallets like Apple Pay and Google Pay. Ensure that the payment machine you choose can accommodate all the payment methods your customers use. 
• Battery Life and Portability: If you need a mobile card payment machine, consider the device’s portability and battery life. You’ll want a machine that is lightweight, durable, and able to last through a full day of transactions without needing to recharge. A machine with a long battery life can help prevent disruptions, especially if you’re in a mobile or event-based business. 

Comparing Card Payment Machines in the UK 

With numerous options available, it’s essential to compare the features, costs, and customer service provided by different payment providers. To help you make the best choice, we’ve put together a detailed comparison of top card payment machines in the UK.

Square

• Transaction Fees: 1.6% – 2.6% per transaction
• Hardware: Mobile, Countertop
• Supported Payment Methods: Contactless, Debit/Credit, Apple Pay
• Security Features: EMV, PCI DSS, Encryption
• Customer Support: 24/7 via phone, email
• Contract Length: No long-term contracts
• Portable Options: Yes

iZettle

• Transaction Fees: 1.75% per transaction
• Hardware: Mobile, Countertop
• Supported Payment Methods: Contactless, Debit/Credit, Google Pay
• Security Features: EMV, PCI DSS, Encryption
• Customer Support: Email support, phone available
• Contract Length: No long-term contracts
• Portable Options: Yes

SumUp

• Transaction Fees: 1.69% per transaction
• Hardware: Mobile, Countertop
• Supported Payment Methods: Contactless, Debit/Credit, Apple Pay
• Security Features: EMV, PCI DSS, Encryption
• Customer Support: Email support, phone available
• Contract Length: Flexible contracts
• Portable Options: Yes

Worldpay

• Transaction Fees: 1.4% – 2.75% per transaction
• Hardware: Countertop, Portable
• Supported Payment Methods: Contactless, Debit/Credit, Apple Pay
• Security Features: EMV, PCI DSS, Encryption
• Customer Support: 24/7 via phone, email
• Contract Length: 12-36 months
• Portable Options: Yes

PayPal Here

• Transaction Fees: 2.75% per transaction
• Hardware: Mobile, Countertop
• Supported Payment Methods: Contactless, Debit/Credit, Apple Pay
• Security Features: EMV, PCI DSS, Encryption
• Customer Support: 24/7 via phone, email
• Contract Length: No long-term contracts
• Portable Options: Yes

Choosing the right card payment machine for your business is a big decision. To get started, compare the features, costs, and customer service options of different providers. Click the link below for a detailed comparison of top payment machines and find the best option for you.

FAQ

How much do card payment machines cost?

The cost of card payment machines can vary widely. Some machines have upfront costs, while others may charge monthly fees. Transaction fees typically range from 1-3% per transaction, depending on the provider and the type of machine.

Can card payment machines accept mobile payments?

Yes, many modern card payment machines accept mobile payments such as Apple Pay, Google Pay, and Samsung Pay, in addition to credit and debit card payments.

Are card payment machines secure?

Yes, reputable card payment machines use the latest security features, including encryption and fraud protection, to ensure your business and customer data is safe.

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

Depending on the provider, it can take anywhere from a few days to a couple of weeks to receive a card payment machine. Some providers offer faster shipping options for an additional fee.

Can I use a card payment machine for online payments?

Yes, many card payment machines also offer online payment solutions through integrated e-commerce platforms. You can process both in-store and online payments through the same provider.

By following these guidelines, you can confidently compare card payment machines and make an informed decision that suits your business needs.