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Best card machine providers for small UK businesses

Top 20 Credit Card Processing Companies For Small Businesses Reviewed: Company, Cost, Fees and Support for UK Businesses.

 

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Each of our card machine providers has their own pros and cons. Depending on your business needs, size and volume of transactions one provider may suit you vs others. Lets go ahead and look at the top UK providers below.

 

  1. Worldpay

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Card Machine Providers For Small Businesses 3Worldpay is Europe’s biggest merchant account provider. They have a wide variety of card payment solutions. Cost vary depending on your needs. There is no joining fee and their pricing policy is upfront and simple once you are in touch with them. Worldpay is trusted and used by more than 3 million businesses in the UK alone.

 

Their online dashboard offers 24/7 support. You can access your account and view all your transaction information anytime. They process payments across 116 countries, and are PCI DSS compliant. You can negotiate a smart point of sale system to be included in your merchant account package.

Worldpay Website

 

  1. Sagepay

 

Card Machine Providers For Small Businesses 4Sagepay is a popular card machine provider in the UK and provide competitive rates. A credit card usually incurs a 2.5% fee with Sagepay whereas debit cards have a small fee of 40p per transaction. There is no hidden fee involved. Accepting credit card payments has a 2.5% transaction fee. Debit card payments cost 40p per transaction. 

 

You can take advantage of several payment options they provide: face-to-face, phone and online. Their card terminals are PCI DSS compliant. Payments accepted are transferred securely to you within two days.

Sagepay Website

 

  1. Payment Sense

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Payment Sense has created a market for itself in the UK and serve 50,000 businesses.  As one of the only merchant service providers in the UK to offer capped affordable rates. Businesses can expect to receive their card machine within three days of applying online or over the phone.

 

Their fees are competitive and fixed so you won’t get any surprises at any point in your contract. PaymentSense have a variety of online tools for fraud screening, invoices and reporting. They offer 24/7 customer support to all UK clients which has helped them become a trusted provider.

 

PaymentSense offer a starting package from £8.50/month and a pro package which costs £16.60/month.

Paymentsense Website

 

  1. Paypal

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Paypal is popular with small businesses that are just starting out who want to take payments online. Set-up is easy and transaction fees can be as low as £1.9%. 

 

Paypal accept payments in 25 different currencies. It can be integrated with eCommerce solutions such as Shopify, PrestaShop, Magento and WooCommerce. They have also recently launched its mobile credit card machine called Paypal Here. With Paypal Here your business can accept card payments anywhere with an internet or 3G connection.

Paypal Website

 

  1. Takepayments

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Small businesses who are looking for a short-term contract with no joining or exit fees will find Takepayments to be a good choice . Takepayments are a leading UK card machine provider who offer 12-month contracts and provide countertop, portable or mobile card machines. They allow card transactions in person, over the phone or online.

 

Takepayments can set up a merchant account for you in few minutes. Likewise, if an issue arises, they are quick to ship you a new card machine and offer support. This ensures you don’t miss out on any important transactions for your business.

 

It is one of the only card machine providers in the UK which has local staff that can drop in and sort out any issues that you may have.

Takepayments Website

 

  1. First Data Merchant Account

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First Data has been in the UK card acceptance and processing business for 20 years. They provides in-depth merchant services providing countertop, mobile, portable, online and contactless card machine solutions. They help to integrate payment terminals into your business website or on premises. First Data charges a monthly fee of £15 for 500 transactions or less.

First Data Website

 

  1. Global Payments

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Global Payments is an American merchant service provider which has its UK office based in Leicester. It holds 20% of the UK market since it acquired HSBC merchant services in 2009.

 

They offers payment solutions covering face-to-face payments and online payment. All major credit and debit cards are supported. They have flexible pricing and rapid card processing solutions. Their website does not mention fees, but you can contact Global Payments for more information.

Global Payments Website

 

  1. Elavon

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Elavon have been around for more than 20 years and is a leader in providing merchant services. They offer the latest payment technology. Their large customer base range from small to bigger enterprise level companies.

 

Elavon have been around for more than 20 years and is a leader in providing merchant services. They offer the latest payment technology. Their large customer base range from small to bigger enterprise level companies.

Elavon Website

 

  1. Barclay Card

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Barclaycard provide payment solutions that will allow you to take payments in person, online or over the phone. They offer a range of payment processing options which include mobile, countertop and portable PDQ machines.

 

  1. Handepay

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Handepay pledges to pay you £1000 if they cannot save your business money. They have an excellent 9.7 rating out of 10 on Trustpilot and claim to be the go-to card machine provider for small businesses. Handepay don’t charge a fee for set-up or authorisation and there are no minimum monthly service charges.

 

  1. EVO Payments

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Evo Payments was founded in 1989 as an international payments company. They currently handle £80 billion worth of transactions worldwide yearly. They offer special solutions to UK customers. Price plans are tailored to suit different business needs, including all-inclusive bundles. Evo payments also provide a single integration for software developers.

 

  1. Cashflow

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Cashflow have been helping businesses process payments online for years. They cover many sectors and are never afraid to disrupt the payments industry. They provide a merchant account to help you receive payments, a payment gateway to enable online payments and a virtual terminal to help businesses accept mail and telephone orders.

 

  1. Lloyds bank Cardnet

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Lloyds Bank Cardnet process over 1 billion transactions a year. Serving 75,000 businesses Cardnet offers  online and face to face payment processing solutions to businesses of all sizes.

 

  1. XLN pay

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Offering cheap credit card processing solutions to small businesses in the UK. XLN Pay launched 15 years ago. They have served over 500,000 customers. XLN Pay is the perfect solution for start-ups, small shops, hairdressers, cafes and tradesmen.

 

 

  1. Card Cutters

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Founded in 2009 Card Cutters provide card payment solutions to over 7,000 merchant in the UK and Ireland. Getting a PDQ machine from Card Cutters or their sister company Global Card Solutions is easy. They offer small and larger businesses a reliable and efficient payment solution.

 

Small Businesses, sole traders, startups and entrepreneurs …Take payments through your mobile phone or tablet with a card reader.

If you are looking for a more compact, alternative payment solution check out our article on the top mobile card readers providers.

 

16. Izettle launched in 2011 Izettle provide a market leading mobile card reader solution which enable businesses to take card payments.

 

17. Sumup process millions of  transactions worldwide and provide payment solutions via the Sumup mobile card reader.

 

18. Paypal Here Card Reader is provided by one of the biggest providers of online payments Paypal. The card reader allowed Paypal to enter the offline payments market and cater to small businesses in the UK.

 

19. Square was founded by Twitter’s co-founder Jack Dorsey. They provide the perfect card reader solution for small businesses.

 

20. Worldpay Card Reader is a perfect solution for small businesses who want to take payments. It’s provided by UK’s biggest merchant account provider. Many businesses are already reaping the benefits.

 

21. UTP Merchant Services provides a range of card machines and online gateway solutions to businesses. Competitive rates and first class customer support make them trusted by many retailers, pubs, bars and stores.

 

So there you have it. We have giving you 20 different card machine providers that you can use to start accepting card payments.

 

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