What is a PDQ Machine and How Do They Work?

By Olivia Johnson - Trusted UK Business Expert

Last Updated 16th of April 2025

5 minute read

Understanding the technology behind PDQ machines can make a big difference for businesses and customers. Whether you’re in retail or a service-based industry, knowing how they function will help you enhance your transactions. Let’s explore this crucial payment tool.

A PDQ machine (Process Data Quickly) is a device used by businesses to take card payments. It works by reading the customer’s card, securely sending the transaction data to the bank, and processing the payment. PDQ machines can accept chip-and-PIN, contactless, and mobile payments.

But there’s much more to these devices than just swiping cards. Let’s dive deeper into how a PDQ machine works, its different types, and how it benefits businesses.

Thinking about adding a PDQ machine to your business? Click below to explore the best options and find the one that suits your needs.

What is a PDQ Machine? 

PDQ stands for “Process Data Quickly”. As the name suggests, these machines are designed to process transactions quickly and efficiently. 

PDQ machines are often used in businesses such as restaurants, retail stores, and cafes. They are also frequently used in places where there is a high volume of foot traffic, such as airports or convention centres. 

Compared to traditional point-of-sale terminals, PDQ machines are much faster. This is because they use a direct connection to the customer’s bank account. This means that there is no need for the customer to enter their credit card details into the machine. 

How Do PDQ Machines Work? 

PDQ machines work by using a direct connection to the customer’s bank account. This connection is made through the use of a debit or credit card. 

When the customer makes a purchase, the funds are transferred directly from their bank account to the merchant’s account. This process is known as an “Electronic Funds Transfer” (EFT). 

Benefits of PDQ Machines 

There are several benefits to using an EFT system. 

• Fast Transaction Speeds: One of the biggest advantages of using a PDQ machine is the fact that transactions are processed very quickly. This is because there is no need for the customer to enter their credit card details into the machine. This can save a lot of time, especially in busy businesses where there is a high volume of foot traffic. 
• Lower Costs: Another benefit of using an EFT system is that it can help businesses to save money. This is because there are no fees associated with processing credit card transactions. In addition, businesses will also save on paper and ink costs as they will not need to print out receipts for each transaction. 
• Improved Security: Another advantage of using an EFT system is that it can help to improve security. This is because there is no need for businesses to store credit card details on their premises. This can reduce the risk of fraud and data breaches. 

Key Features to Look for When Purchasing a PDQ Machine 

There are a few key features that you should look for when purchasing a PDQ machine. 

• EFT System: First, you should make sure that the machine has an EFT system. This will ensure that transactions are processed quickly and efficiently. If you are unsure whether a machine has an EFT system, then you can check the product specifications or contact the manufacturer. 
• Chip and Pin Reader: Another important feature to look for is a chip and pin reader. This will allow customers to use their debit or credit cards to make payments. Chip and pin readers are becoming increasingly common, so you should be able to find a machine that has this feature. 
• Contactless Payment: Another feature to look for is contactless payment. This is a type of payment that does not require the use of a debit or credit card. Instead, customers can simply tap their card on the machine to make a payment. This is a very convenient feature, especially for busy businesses. 
• Price: Second, you should look for a machine that offers lower costs. This can help you to save money on processing fees and paper costs. Make sure to compare the prices of different machines before making a purchase. 
• It’s also important to remember that not all higher-priced products are better. In some cases, you may be able to find a cheaper machine that still offers all of the features that you need. 
• Warranty: In addition, you should also look for a machine that offers a warranty. This will protect you in case the machine breaks down or malfunctions. It is always better to be safe than sorry, so it is worth paying a little extra for a machine that comes with a warranty. Always check the terms and conditions of the warranty before purchasing a machine. 
• Security Features: Third, you should look for a machine that offers improved security. This can help to protect your business from fraud and data breaches. By looking for a machine that offers features such as encryption and tokenization, you can help to keep your business safe. 

When purchasing a PDQ machine, it is important to keep these features in mind. By doing so, you can be sure to find a machine that meets your needs and budget. 

Types of PDQ Machines 

There are several types of PDQ machines available to businesses. Each type has different features suited to various business needs. The most common types include:

• Countertop PDQ Machines: These are traditional card machines that stay on a counter, and customers swipe, dip, or tap their cards on them. They typically require a wired internet connection.
• Portable PDQ Machines: Designed for businesses that need to take payments on the move, such as in restaurants or at markets, these machines use wireless connections like Wi-Fi or 4G to process payments.
• Mobile PDQ Machines: These devices are used in conjunction with a smartphone or tablet, turning the phone into a complete payment system. They are particularly popular for small businesses and on-the-go merchants.
• Integrated PDQ Machines: These are connected directly to the business’s point-of-sale system, allowing for seamless payment processing and inventory tracking. Integrated PDQ machines are often found in larger retail operations.

What to Look for When Buying a PDQ Machine

Selecting the right PDQ machine is crucial for the smooth operation of your business. Here are a few factors to consider before purchasing one:

• Connectivity Options: Make sure the machine supports the type of internet connection your business uses—whether wired, Wi-Fi, or mobile data.
• Compatibility with Your POS System: Ensure that the PDQ machine integrates seamlessly with your existing point-of-sale system.
• Cost: The cost of PDQ machines can vary depending on the model and features. Choose one that fits your budget and business needs.
• Customer Support: Opt for a PDQ machine provider with reliable customer support in case you need assistance.

How Much Does a PDQ Machine Cost?

The cost of a PDQ machine can vary depending on the type and features. For instance, countertop PDQ machines may cost around £50 to £100 per month for rental, while mobile and portable PDQ machines could be priced higher due to additional features like wireless connectivity.

The one-off purchase cost of a PDQ machine can range from £100 to £500 depending on its specifications. Keep in mind that some payment providers charge transaction fees, so be sure to consider these costs when budgeting for your payment solution.

PDQ Machine Setup and Maintenance

Setting up a PDQ machine typically involves connecting the device to your internet connection or mobile data network. Once it is connected, you’ll need to link it to your payment processor account to start accepting payments.

Regular maintenance of PDQ machines involves checking for software updates, ensuring the device is functioning correctly, and cleaning the card reader to maintain optimal performance. Businesses should also stay compliant with data security regulations, ensuring the machine and its associated payment network are up to date.

Looking to upgrade your payment system? Click the link below to find out how a PDQ machine can benefit your business and get started with an affordable, reliable payment solution.

FAQ

What does PDQ stand for in a PDQ machine?

PDQ stands for “Process Data Quickly.” It refers to the fast and efficient way in which these machines process payment transactions.

Can a PDQ machine accept contactless payments?

Yes, most modern PDQ machines support contactless payments, allowing customers to pay quickly with a tap of their card or smartphone.

How do I know which PDQ machine is right for my business?

Consider factors such as the size of your business, the type of transactions you process, and whether you need mobile or countertop options. Compare features like security, payment types, and costs.

Are PDQ machines secure?

Yes, PDQ machines use secure encryption methods to protect cardholder data during transactions, ensuring compliance with the highest security standards.

Can PDQ machines be used internationally?

Many PDQ machines support multiple currencies and can be used internationally, but it’s important to check with your provider for compatibility with different countries.