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PDQ Machines – The perfect solution to taking card payments – Updated September 2019


Does your business need to take credit card payments from customers? With a merchant account you can accept payments in person, on the go or online. Check out our comprehensive 2019 PDQ machine guide on provides everything you need to know about card payments in order to find best card machine for you business.


All businesses that want to take payments need to accept credit card payments if they want to maximise profits. The year in 2019 and the “cashless society”  we have been living in which has been growing in the last decade has fully hit. Your customers now expect you to have a card processing payment solution and not providing this is going to lead to your business losing out on customers. 


Picture a scenario that happens often. A customer enters a restaurant or cafe,  makes an order and then when they go to pay they find out there is no card payment option. They rumble into their pockets looking to see enough money to find that they do not have enough. As a solution the shop assistant advises them that there is a cash point 5 mins away they can go to go to withdraw money in order to pay. Most customers who experience this will have a negative review of your business for the inconvenience they have experienced and are unlikely to recommend or return to your cafe or restaurant.


Getting setup with a credit card processing company will solve all these issues. Accepting card payments is one of the most important business decisions you can make if you want to increase your business profits. If you are unsure of the benefits it may help you to understand how card processing works.


As a business you are the merchant who accepts payments in exchange for the product or service you are offering. The cardholder is the customer who then uses the credit or debit card to make the payments to pay for the good or service. For this to work you as the business will need a merchant account in order to enable credit card processing.  The merchant bank will then allow you to accept and deposit payments.


Payment processors providers such as Worldpay, Paypal, Sagepay and Elavon make all this possible. If you currently are not accepting card machine payments or are looking for a new payment processing provider let us help you. Get started by filling your details in our quote form and connect to our team to find the perfect card processing provider for your business.


What is a PDQ Machine?

What does a PDQ credit card machine stand for?  PDQ stands for and is an abbreviation of Process Data Quickly.

A PDQ Machine is a payment point of sale terminal.


Credit card terminals have been around for a long time now, the current chip and pin machine is a relatively new introduction in the UK market. Before the introduction of chip & pin machines in 2003, customers had to sign for every payment made by card. Retailers had to verify the signatures with those signed at the back of the card. We have come a long way now with the popularity of contactless card payments and mobile card readers such as iZettle and Sumup.
A recent survey by YouGov reveals that almost two-thirds of the customers carry less than £20 in cash. In comparison 93% of customers carry a debit or credit card with them always. Not being equipped with a chip and pin machine means you are likely to lose a huge number of customers.


PDQ machines for Small Businesses 1


Looking to take payment with the use of your phone or tablet? Click here to find out who the best mobile card reader providers are…


How does a PDQ Machine work?

Before the launch of chip and pin technology older card machines would read information on a magnetic strip. This occurred when it was swiped. Swiping credit cards though a card machine was very common. The card terminal would then check the customers had enough balance in their account and if the signatures matched with what was on record.


Present day chip and pin technology allow customers to buy securely in a matter of few seconds. Each cardholder has a unique 4-digit PIN code that they input into the card terminal. This PIN code acts similarly to the magnetic strip. The cardholder is no longer required to provide a signature to complete the transaction using a card machine. All the customer needs to do is insert their credit or debit card into the card machine and input their pin. The transaction will then go through if the pin is correct. A receipt is then produced by the credit card machine.


With the emergence of contactless payments most customers now simple tap their bank card (if enabled for contactless payments) into the PDQ machine and the transaction will go through. Contactless card payments have a £30 transaction cap. Any transaction over the £30 limit will need the customer to input their pin.


Why you should get a card machine?

Getting a business card machine will enable you to take card payments from all the major debit and credit card  providers such AMEX, Mastercard and Visa. It will also allow you to accept contactless making taking payment quick and efficient for your business.


How do I get set up with a PDQ Machine?

As a business, you cannot use a PDQ card machine until you have set up a merchant account. You will need a unique merchant account number to accept payments from customers. Your merchant account number is linked to your PDQ machine. This ensures that all the payments are going to your merchant account. Most banks offer merchant account services. You are only required to buy and install the card machine.


Setting up a PDQ terminal is easy. For example with a mobile machine once you get your terminal through the post you are giving a merchant ID number. The credit card terminal will also come with a power cable and power supply. Before installing the card terminal you must use the power supply to charge the device. Once fully charged you are prompted to input your unique merchant ID number into the terminal. When entered the card terminal will automatically begin to download the latest software the card machine requires to work. Once updated you will need to setup a unique 4 digit pin pass-code that you will use to authorise certain functions such as refunds. Once this is complete your machine will display a ready status and is ready to use.


For portable, desktop and WiFi card terminals the process is similar. However, further steps such as connecting to your WiFi, local network (enthernet cable) or telephone line may be required.


PDQ machines for Small Businesses 1



Top 20+  card machine providers for small businesses. 

PDQ machines for Small Businesses 3


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.


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



  1. Worldpay

PDQ machines for Small Businesses 4Worldpay 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.

Worldpay Website


  1. Sage Pay

PDQ machines for Small Businesses 5Sagepay 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.

Sagepay Website


  1. Payment Sense

PDQ machines for Small Businesses 6Payment 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.

Paymentsense Website


  1. Paypal

PDQ machines for Small Businesses 7Paypal‘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.

Paypal Website


  1. Payzone

PDQ machines for Small Businesses 8Small 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.

Payzone Website


  1. First Data Merchant Account

PDQ machines for Small Businesses 9First 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.

First Data Website


  1. Global Payments

PDQ machines for Small Businesses 10Global 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.

Global Payments Website


  1. Elavon

PDQ machines for Small Businesses 11Elavon 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.

Elavon Website


  1. Barclay Card

PDQ machines for Small Businesses 12Barclaycard 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.


  1. Handepay

PDQ machines for Small Businesses 13Handepay 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.


  1. EVO Payments

PDQ machines for Small Businesses 14Evo 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.


  1. Cashflow

PDQ machines for Small Businesses 15Cashflow 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.


  1. Lloyds bank Cardnet

PDQ machines for Small Businesses 16Lloyds 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.


  1. XLN pay

PDQ machines for Small Businesses 17Offering 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.



  1. Card Cutters

PDQ machines for Small Businesses 18Founded 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.


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 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.

Card Machine Provider Options – Compare rental cost, transaction fees, contract and support.

Monthly Terminal Rental Cost Tranaction Fee Joining Fee Minimum Contract Support
Worldpay £17.5 on standard contract. Other plans will differ. Flexible Pricing Plans No joining cost. £150 one off admin fee to get the card machine. 18 Months Contract 24/7 Customer service
Sagepay From £13 Per Month 2% No joining fee No minimum term 24/7 Customer service
PaymentSense 3.85p per transaction No setup fee N/A 24/7 Customer service
Paypal Zero Between 1%-2.75% One of cost of £45 + VAT for card reader No mimimum term UK Customer Service Team
Payzone NA 0.6% - 2.5% Flat Fee No setup fees 12 Month contract 7 days a week customer service by phone & email.


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.


Save 40% Comparing Card Processing Fees. Get a Free Card Reader Quote Today! 





What are the different types of PDQ Card Machines?


There are three types of card terminals/ PDQ machines: portable, countertop and mobile. Watch the video below for a quick 45 seconds explanation.

Mobile Card Machines / Wireless Card Machine


mobile pdq card machineThe mobile chip and pin card machine is ideal for tradesman, delivery businesses, pop up store owners and anyone business that needs to take payments on the road. Mobile card machines are fast, secure and provide businesses with a flexible ways to accept card payments. They allow businesses to accept payments anywhere with 3G coverage or WiFi.


Benefits of a mobile card machine

  • Accept payments on the go
  • Accepts all payment options
  • Take Secure payments
  • 3G, GPRS, Bluetooth and WIFI Connectivity
  • Designed for mobility
  • Accepts NFC Payments


Portable Card Machine

contactless card machineThe portable card machine is the perfect solution for pubs, cafes and restaurants. Portable card terminals can work within up to 100 metres from its base. The device connects via Bluetooth and allows business owners to take the card terminal to a customers to take payments.


Benefits of a portable card machine for small businesses

  • Accept payment from a fixed point
  • Easily connected by phoneline or internet
  • Accept contactless, Chip & Pin, Apple Pay & Android Pay
  • Cashback and gratuities options available
  • Full PCI Compliance highly secure card machines



Countertop Card Machine

ingenico credit card terminal ict250

Countertop card machines operates from a fixed location so are therefore less flexible than the mobile and portable card machine. It is widely used by retailers, small supermarkets and shopping outlets to take credit card payments. The card machine must be connected to an internet connection or a telephone line to work. It is a cost-effective solution for businesses that take payments from a fixed premise such as a shop counter.


Benefits of Countertop/ Desktop Card Machine

  • High Security
  • All Payment Options – Chip & Pin, Contactless, NFC
  • Small & Compact for easy handling and use
  • All connectivity & communication – modem, Ethernet, GPRS or 3G
  • Brand promotion options on the terminal.



Compare chip and pin machine prices for small businesses by filling in our quote form. Get a quote within 24hrs.

Still trying to figure out where to start? Do not waste any more time. Simply fill out our quote form and we will connect you with the leading credit card machine supplier in the UK.



The countertop card machine usually sits next to the till or cashpoint and has a fixed point. It’s connected by broadband and widely used by most traditional retailers.


For businesses such as restaurants, cafes, bars, etc. a portable card machine is the best option. This machine relies on wireless or Bluetooth technology and will only work within the range of a central wi-fi spot. A portable PDQ machine is ideal for the hospitality industry. It enables payments to be made with a little bit more flexibility when compared to the countertop machine which are fixed to a counter.


A mobile card machine is best suited to sellers who are mobile and are travelling on the road between customers.


Modern card machines have a contactless card payment facility. This allows buyers to make a payment of up to £30 by simply tapping their contactless credit card on the machine.


How much does it cost to have a PDQ Machine?


When you have a PDQ machines there will be several costs in your merchant account contract agreement which you should be aware of. These costs may vary depending on whether you decide to buy or lease your payment terminal.


The pdq card machine is needed by your business to take physical card payments by credit and debit card. The first costs that you will face are the setup costs. This will differ depending on several factors such as how many terminals you will need and the length of your contract. As a business depending on the number of card machines you need you may be able to negotiate a discount with the merchant accounts provider.


What are the cost of purchasing a PDQ card machine?

If you decide on buying a PDQ card machine outright the cost will be anything between £150 – £600 depending on features required. When purchasing instead of renting you should note that you will be required to pay maintenance fees. Should anything go wrong with the card machine it is the suppliers responsibility to fix. Usually the card terminal will come with a 12 – 24-month warranty from the manufacturer. If you decide on a mobile card reader solution such as iZettle, Paypal Here or Sumup prices for the card readers range from £25-£100.


What is the rental cost of a Credit Card Machine?

Credit card machine rental cost can very. If you decide to rent a PDQ credit card machine from a provider you will usually be tied into a 24-month contract. Monthly cost when hiring a PDQ machine is usually between £20-£30. Businesses will usually have to agree to a card terminal hire agreement. Once this agreement comes to an end it will become a rolling contract until the merchant decides to either renew or cancel.


What are the transaction cost fees associated with taking card payments with a chip and pin machine?

PDQ machines for Small Businesses 19Merchant account providers charge a transaction fee every-time you use a card machine to take a credit or debit card payment. The fees are usually defined before you agree to your contract. They can vary depending on the type of business you are. Charges for taking credit card payment can range from between 2.5% – 5% of the purchase. For debit card payments it can range from 5p to 25p per transaction.


What are the cost of a merchant account for high risk businesses?

Merchants such as gambling, software and travel companies have higher transaction fees. This is due to them being compared considered “high risk” compared to other businesses. Factors such as number of charge-backs and order cancellations determine whether a business is classified high risk . Prices vary and can be negotiated with the merchant account provider.


Should I buy or rent a Card Machine?

As a business you have the option of buying a PDQ machine outright. You also have an alternative to rent through companies who offer merchant accounts. There is a slight difference between card machines. Some machines will accept debit/credit card and some may only accept certain debit cards. Knowing which cards you want to accept can help you make the right choice of terminal.


Buying the PDQ machine allows you to own it, but it may not be the best option for you. Renting allows you more flexibility since you do not have to pay for its maintenance or repair. If anything goes wrong, your provider is liable to supply you with a new PDQ machine.


One reason why renting a PDQ machine is a better option than buying is due to advancements in technology. If you bought your machine you face added costs if new changes are introduced to chip and pin technology. Such a cost may be having to purchase a newer model in order to make use of new features. A similar situation happened with businesses when they were forced to switch from swipe to chip and pin. They had to incur the costs of getting a new machine as their swipe machines became more obsolete. If you are renting, you can just switch to an updated version for a small charge.


What are the advantages of a PDQ Machine?

The first thing to consider is that customers today expect to pay by card. Not having a card terminal can lead to huge loss in sales. Any cost that you incur due to acquiring a card terminal/PDQ machine are made up for quickly through new sales opportunities. Customers tend to spend more money when buying on card than they would with physical cash. When paying in cash, customers can physically feel the amount being spent – psychologically this makes us cautious to spend. Whereas with card payments, the customers are not handing out cash and often tend to spend more. For these obvious reasons, as a business, it is advantageous to have a PDQ machine.


Security provided by PDQ machines are also a big benefit for businesses with a credit card processing terminal. No longer do you have the worry about keeping huge sums of cash payments secure. You can be assured that the majority of money your business takes goes straight to your bank. PDQ machines process secure transactions in seconds, with accuracy and safety.


MoneyCharity states £1.2 billion worth of card transactions take place every day. Can you imagine losing out on sales by not offering customers access to a most convenient form of payments? Any business that is starting out would make a wise choice to get hold of a PDQ machine by signing up with an independent payment processor. It is a relatively straightforward process, and you can get started today.


Additional Feature of a card payment machine

Mail and Telephone / Customer Not Present Orders is a function that allows business to complete orders when a customer is not present. It can be completed through a payment terminal by manually entering a customers card number when asked to present the card during the purchase process. So instead of inputting the card and entering the pin details a business can enter the card number and security code when prompted into the terminal to complete the purchase.


Gratuity is a feature that allows your customers to leave a tip whilst making a payment on the card machine. As part of the payment process the customer has the option to decide if they want to leave a tip or not.


Pre Authorisation allows businesses to gain access and secure funds from customers without completing the transaction. This is often used by hotels during the booking process or when you are checking in. It is used to ensure funds are available is any charges are incurred during the stay such as room service costs. The transaction is then fully completed at the end of the stay at checkout.

The rise of digital wallets & contactless payment solutions.

PDQ machines for Small Businesses 20Contactless payments allows consumers to have a secure method to make product purchases with their credit, debit card, mobile phone or smartwatch. Technology used in contactless payments – RFID(“radio-frequency identification) and near field communication (NFC). 

Contactless payments are made by tapping your contactless enabled device on a card reader (point of sale terminal) that has contactless technology. Contactless payments do not require payments to be authorised by inputting your pin number. This allows for faster, more convenient payments however in the UK the max cost limit on most contactless purchases is £30. Contactless payments are usually made by using our credit and debit cards however in recent years we have seen the emergence of digital wallets.


What is a digital wallet?

A digital wallet (also called e-wallet) has changed the way we pay for things. Most digital wallets work through the use of our mobile smartphones. A digital wallet can be described as a digital version of traditional wallet that we carry in our pockets. Digital information on our credit and debit cards are stored online allowing us to make payments through our online mobile devices. Along with card data they have the ability to setup loyalty cards, coupons and work on a varied amount of payment terminals enable with RFID or NFC technology.


What are the most popular digital wallets?

Google Pay first launched in May 2016 under the name Android Pay as a mobile payment method that allows consumers to make paymentsPDQ machines for Small Businesses 21 using their mobile phone or smartwatch. As smartphones have become a major part of lives phones have become an item people have with them 99% of the time along with their wallet and keys.

People now want convenience and Google Pay makes making payments quick and easy for customers. All that is required to make a purchase is to tap your phone or Google Pay device on a contactless card reader. 


Apple Pay like Google Pay allows customers to make contactless payments

PDQ machines for Small Businesses 22via their mobile phone or smartwatch. Apple Pay comes with the added benefit of users not being restricted by the £30 contactless limit that are in place on contactless credit and debit card payments.


Samsung Pay makes making and taking payments easy. Widely accepted due to having both 

PDQ machines for Small Businesses 23NFC and MST support making payments can be done in a matter of seconds. It is safe and secure as Samsung have added several layers of security to ensure it is locked and cannot be abused by third parties. In addition, if you ever lose your phone you are able to deactivate your device remotely to stop fraud.


How can businesses ensure they accept contactless payments?

In order to accept contactless payment a business must ensure they have a card machine with contactless technology. With over 90+ million contactless cards in the UK the number of contactless payments have been on a steep rise over the last 5 years. Customers now trust the technology as it has become more mainstream into public norms. For a business contactless technology allows them to take payments quicker which has resulted in less queues or waiting for their customers.


The limit on contactless payments on card payments currently stands at £30. For customers who pay via a digital wallet such as Google Pay or Apple Pay this limit does not exist however some merchants have the option of putting it in place.


Best contactless payment machines for small businesses

PDQ machines for Small Businesses 24

There are many contactless payment machines on the market for businesses who want to allow their customers to be able to make contactless payments through both their credit cards or digital wallets.  For small or independent businesses a mobile card reader like iZettle, Sumup or Square can be seen as the perfect solution. All the mentioned card reader allow merchants to use their phone to take payments with the help of the card reader device. Price is affordable with the merchant paying a one off cost for the mobile card device and then transaction fees every time a payment is made. 


A merchant account from a providers such as Worldpay, Sagepay or Barclaycard may be more suitable to small to medium businesses. When choosing the right provider business must ensure the credit card terminal they will be provided by the merchant service provider has contactless technology enabled. Popular credit card machines with contactless technology are provided by ingenico, verifone and Spire.


What does all this mean for businesses?

As a business not only can you not afford to not accept card payments but you now need to also ensure the payment solution you provide allows for contactless payments. We now live in an almost “cashless society” where customers no longer carry cash in their pockets and expect everywhere they go to allow them the option of making payments by their card or contactless device. Contactless card machine solutions are affordable, growing in popularity and are provided by a vast array of  card payment providers in the UK. Don’t get left behind and lose out on customers by not having contactless payment solutions in place.



PDQ machines for Small Businesses 25

If you have done a little bit of research, you will find that majority of the high street banks in the UK provide merchant account. Yet they charge a higher fee as compared to other payment providers or ISO’s.



It is well worth knowing the difference between different independent sales organisations (ISO). Each of them has a different focus and hence a different fee structure. You will need to assess which merchant account provider suits your business requirements and budget.



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