Each card payment machine provider will have its own pros and cons. Depending on your business needs, size of business and volume of transactions. Let’s go ahead and look at the top UK providers below.
Worldpay is Europe’s biggest merchant account provider. They have a wide variety of options and payment solutions with cost ranging from £0.00- £49.99 per month. They is no joining fee whatsoever and their pricing policy is upfront and simple. Worldpay is trusted and used by more than 3 million businesses in the UK alone.
Their online dashboard offers 24/7 support in the UK. You can access your account and view all your transaction information conveniently anytime you wish. They process payments from different card companies 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.
Sagepay is a popular merchant account 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, and you can take advantage of several types of payment options: face-to-face, phone and online. It is also PCI DSS compliant which means that your payments are transferred securely to you within two days.
Payment Sense has created a market for itself in the UK and already has 50,000 businesses registered with them. It is one of the only merchant service providers in the UK to offer capped rates which most small businesses find affordable and supportive. Usually 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 that you won’t get any surprises at any point in your contract with them. PaymentSense have a variety of online tools that you can use for fraud screening, creating invoices and reporting anything suspicious. Also providing 24/7 customer support for all their UK clients which has made PaymentSense a trusted name as a merchant account provider.
PaymentSense offers a start package from £8.50/month whereas their pro package costs £16.60/month allowing you to process up to £1.2 million a year.
Paypal‘s merchant account remains at the top of the list in relation to popularity for small businesses that are just starting out. Set-up is easy and fees can be as low as £1.9%. There are a few distinct features which make it an ideal choice for most retailers. It has a one-step checkout which saves the customers from the hassle of entering their debit or credit card details each time.
Another great feature of Paypal is that it can accept payment in 25 different currencies and it is integrated with eCommerce solutions such as Shopify, PrestaShop, Magento and WooCommerce. They have also recently launched its mobile credit card machine called Paypal Here.
Small businesses who are looking for a short-term contract with no joining or exit fees will find Payzone to be a good choice merchant account provider. Payzone has 12-month contracts and can provide you with countertop, portable or mobile PDQ machines. They also allow transactions over the phone or online, giving you complete control over all kinds of payment methods.
Payzone is a professional company that 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, so you don’t miss out on any important transactions for your business.
It is one of the only providers in the UK which has local staff that can drop in and sort out any issues that you may have.
First Data has been in the UK card acceptance and processing business for last 20 years. It provides in-depth merchant services which cover countertop, mobile, portable, online and contactless solutions. They help to integrate payment terminals into your business website or on premises. They have a service called GlobalChoice which allows businesses to make payments in their home currencies. It has a Data Vault for securing data for future payments, and it is regarded as highly secure merchant service. First Data charges a monthly fee of £15 for 500 transactions or less.
Global Payments is originally an American merchant service provider which has its UK office based in Leicester. It already holds 20% of the UK market since it acquired the HSBC merchant services in 2009.
They offers different payment solution covering face-to-face payments and online payment. All major credit and debit cards are supported, providing flexible pricing and rapid processing solutions. It does not mention any fees on its website, but you can contact Global Payments for more information.
Elavon have been around for more than 20 years and is a leader in providing merchant account services. They offer the latest technology in payment processing and have many large worldwide enterprises as customers.
Elavon offers loyalty and gift card programmes to its merchants. It is by far the number 1 payment processor for airlines as it provides tailored solutions for this industry. It automatically accepts Apple Pay as well.
Barclaycard provide PDQ Machines and virtual terminals to allow businesses to take payments in person, online or over the phone. They offer a range of payment processing options which include mobile, countertop and portable options.
Handepay pledges to pay you £1000 if they cannot save your business money. It has a 9.7 rating out of 10 on Trustpilot and claim to be the go-to provider for low-cost services. Handepay does not charge any set-up fee, authorisation fee and there are no minimum monthly service charges as well.
Evo Payments was founded in 1989 as an international payment company which currently handles £80 billion worth of transactions around the globe each year. They offer special solutions to UK customers which allow payments to be accepted easily in store, online or over the phone. They offer various price plans to suit different business needs, including all-inclusive bundles. Evo payments also provide a single integration for software developers.
Cashflow have been helping businesses process payments online for years. They cover man 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.
Lloyds bank Cardnet process over 1 billion transactions a year. Serving 75,000 businesses Cardnet offers payment processing solutions both online and face to face to businesses of all sizes.
Offering affordable card machine 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.
Founded in 2009 Card Cutters provide over card payment solutions to over 7,000 merchant in the UK and Ireland. Getting a card machine from Card Cutters or their sister company Global Card Solutions offers small and larger businesses a reliable and efficient payment solution.
If you are looking for a more compact, alternative payment solution check out our article on the top 6 card readers providers.
16. Izettle launched in 2011 Izettle provide a commerce 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 allows 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 Reader is a perfect solution for small businesses who want to take payments. Provided by one of the worlds biggest merchant account providers many businesses are already reaping the benefits.
21. UTP Merchant Services provides a range of card machines and online gateway solutions to businesses in the UK. With competitive rates and first class customer support they are trusted by many retailers, pubs, bars and stores to provide card payment solutions.
Why your business needs a card machine today…
Credit card machines are essential to any business that wants to accept card payments. They offer a hassle free, convenient and secure way for companies large or small to take transactions. In our ever present cashless society any business that does not accept card payments is going to end up losing customers. In 2018 customers no longer demand but expect to have the option of paying by card on all purchases they make.
So how does a new business or start-ups ensure they do not lose out on customers? The answer is simple they need to start accepting card payment immediately. There are many credit card machine suppliers on the market that will provide your business with a PDQ Machine. Each card machine provider has different fees and charges so it’s a good idea to get quotes from several before committing to any contract. PDQ terminal providers will often charge monthly fees whilst there is also card processing cost associated with taking payments as we’ve discussed earlier.
The list of merchant account providers are endless. Every business is different and many can benefit and save if they pick the right merchant account provider for the business. Here is where we can help. By completing our online quote form our specialist team will connect you to the right provider for your business. This service is free. You will receive comparison quotes from up to four providers most suited to your business allowing you to save time and money.