{"id":27755,"date":"2023-07-10T14:59:26","date_gmt":"2023-07-10T14:59:26","guid":{"rendered":"https:\/\/swoopfunding.com\/au\/?post_type=blog&#038;p=27755"},"modified":"2024-06-13T14:50:16","modified_gmt":"2024-06-13T14:50:16","slug":"best-card-machines-for-small-businesses","status":"publish","type":"blog","link":"https:\/\/swoopfunding.com\/au\/blog\/best-card-machines-for-small-businesses\/","title":{"rendered":"Best card machines for small businesses"},"content":{"rendered":"<div class=\"aivoov-player-block\">\n\t<div class=\"read_this\">Read this article to me<\/div>\n\t\t\t<style>\n\t\t\t.plyr__controls .plyr__controls__item:first-child{\n\t\t\t\tbackground:#2e9c8e !important;\n\t\t\t}\n\t\t\t:root{\n\t\t\t--plyr-color-main:#2e9c8e;\n\t\t\t--plyr-audio-controls-background:#f0f2f4;\n\t\t\t--plyr-audio-control-color:#546a7b;\n\t\t\t}\n\t\t\t[data-plyr=\"mute\"]{color:#2e9c8e !important}\n\t\t\t.aivoov-text-color{color:#546a7b}\n\t\t<\/style> \n\t\t<div class=\"audio_player\">\n\t\t<audio class=\"js-player\" controls=\"\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/935ed6e8-42c1-40af-b650-2762227b84b8.mp3\" type=\"audio\/mp3\">\n\t\t\t<source src=\"https:\/\/monky-voice-over.s3.amazonaws.com\/aivoov\/781640cc-7bc1-4bbf-9492-22dedc19678b\/935ed6e8-42c1-40af-b650-2762227b84b8.mp3\" type=\"audio\/ogg\" \/>\n\t\t<\/audio> \n\t\t\t\t <div class=\"powerd_by aivoov-text-color\"><p><a rel=\"nofollow noopener\" target=\"_blank\" href=\"http:\/\/aivoov.com\/?um_source=plugin_powered_by\" style=\"color: inherit;\">Powered by AiVOOV<\/a><\/p><\/div>\n\t\t \n\t\t<\/div>\n\t\t<\/div>\n\n\n\n<p><span style=\"font-weight: 400;\">For many centuries, cash was king, powering the growth of industry, commerce and innovation. But that\u2019s no longer the case. Cash is rapidly disappearing from our wallets, purses and high streets, replaced by digital currency that we access via cards and phones. Without physical money, small businesses have quickly embraced new methods to collect payments from their customers \u2013 so say goodbye to cash and hello to the card machine, the <\/span><span style=\"font-weight: 400;\">absolutely essential business tool<\/span><span style=\"font-weight: 400;\"> for retailers, traders, and hundreds of thousands of UK SMEs.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Does my business need a card machine?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If your business takes payments from customers in-person, either for retail purchases, or for services like plumbers, electricians, hair stylists and more, then yes, you definitely need a card machine. A recent <\/span><a href=\"https:\/\/www.theguardian.com\/money\/2022\/aug\/18\/uk-cashless-society-a-step-closer-as-more-than-23m-people-abandon-coins\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">report<\/span><\/a><span style=\"font-weight: 400;\"> found that 23 million people in the UK used virtually no cash in 2021\/22, and that by 2033, less than 6% of consumer purchases will be made with cash. What does this mean for UK SMEs? It means those businesses that do not offer customers the option of paying with a debit or credit card at the point of sale will be left behind as the UK becomes a cashless society.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Read on to discover all you need to know about card machines, and which one is best for your business.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Which card machine is best for a small business?<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Card machines have come a long way since the old-school chip and PIN machines. Many affordable, app-based machines that connect to mobile devices via Bluetooth and use an app to process payments are now available, or businesses can opt for the latest portable and countertop card machines that require no mobile device at all. However, it\u2019s not only the mobility and technology that\u2019s at stake when SMEs choose a card machine. When selecting the best card machine for your business you must also consider monthly charges, transaction fees, contract terms, and the hidden costs associated with different devices to keep profits where they should be.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Here\u2019s a rundown of the best card machines currently available in the UK:<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Takepayments<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Consistently rated as a top card machine provider for UK SME\u2019s, <\/span><a href=\"https:\/\/www.takepayments.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Takepayments<\/span><\/a><span style=\"font-weight: 400;\"> offer the PAX A920 card reader that comes with a large touch screen and built-in SIM card with mobile data. There are two operating plans. The most popular \u2013 \u2018<\/span><b>Takepaymentsplus<\/b><span style=\"font-weight: 400;\">\u2019 \u2013 comes via an 18 months contract, providing the A920 machine and <\/span><span style=\"font-weight: 400;\">a complete \u2013 but simple \u2013 till app that\u2019s ideal as a mobile checkout, with the ability to add a product library and monitor sales by staff members.&nbsp;The simpler \u2013 \u2018<\/span><b>Easy Deal<\/b><span style=\"font-weight: 400;\">\u2019 &#8211; plan offers the same machine, <\/span><span style=\"font-weight: 400;\">&nbsp;<\/span><span style=\"font-weight: 400;\">but with basic payment software so you can accept cards. Easy deal has no minimum monthly service charge, includes PCI compliance, and a contract of 30 days that can be cancelled with one month\u2019s notice.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Takepayments at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"3\"><b>TAKEPAYMENTS \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"3\"><span style=\"font-weight: 400;\">Machine: PAX A920 mobile touchscreen &#8211; \u00a310 + VAT per month rental<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td colspan=\"2\"><span style=\"font-weight: 400;\">Plans<\/span><\/td><\/tr><tr><td><b>Takepaymentsplus<\/b><\/td><td><b>Easy Deal<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">\u00a325 plus VAT per month<\/span><\/td><td><span style=\"font-weight: 400;\">\u00a37.50 plus VAT per month<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">18 months<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Monthly min. charge from \u00a310<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Early termination fee applies<\/span><\/li>\n<\/ul>\n<\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">Monthly contract<\/span><\/li>\n<li><span style=\"font-weight: 400;\">\u00a3150 + VAT setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No monthly min. charge<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cancel with 30-day notice<\/span><i><span style=\"font-weight: 400;\">&nbsp; <\/span><\/i><i><span style=\"font-weight: 400;\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/span><\/i><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"3\"><b>Transaction fees:<\/b> <span style=\"font-weight: 400;\">0.3%-2.5% + flat fee. 30p refund fee. \u00a39 per chargeback.<\/span><\/td><\/tr><tr><td colspan=\"3\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next day in your bank account &#8211; free<\/span><\/td><\/tr><tr><td colspan=\"3\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. Mastercard. Maestro. Amex. Contactless. Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Pay as you go monthly plan available<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Versatile machine options<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Pricing not fully transparent. SMEs must get a quote<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">18 months contract on most popular plan<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Businesses need more than \u00a32,000 per month card revenue for top benefits<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is it best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs,<a href=\"https:\/\/swoopfunding.com\/au\/sectors\/food-trucks\/\"> food trucks<\/a>, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Worldpay<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Major credit card processor <\/span><a href=\"https:\/\/apply-online.worldpay.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Worldpay<\/span><\/a><span style=\"font-weight: 400;\"> offers two card machines to UK SMEs. Both are high-quality models from Ingenico. The Desk 5000 is a stationary chip and PIN machine for the countertop. The Axium DX8000 is portable and mobile smart POS terminal with a touchscreen that will suit most merchants. Both machines can be rented on an 18 months contract, however Worldpay plans and pricing are not as transparent as some competitors. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Businesses have the option of the \u2018<\/span><b>Simplicity<\/b><span style=\"font-weight: 400;\">\u2019 plan, which is for SMEs with an annual card revenue below \u00a3100,000, or a \u2018<\/span><b>Custom<\/b><span style=\"font-weight: 400;\">\u2019 plan that is aimed at businesses with a monthly card revenue of at least \u00a320,000. Simplicity plans charge a flat 1.5% per transaction fee, but Custom rates, which may be lower, must be negotiated on a case-by-case basis. Exiting the 18 months contract before its end will incur an early termination fee.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Worldpay at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>WORLDPAY \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: Countertop Ingenico Desk 5000, or: Portable\/mobile Axium DX8000 &#8211; \u00a317.50 to \u00a323 per month + VAT rental<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>Simplicity, or Custom &#8211; requires card revenue of more than \u00a320k month<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">18 months<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Monthly min. charge depends on plan<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Early termination fee applies<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> Custom, or fixed rates from 1.5%<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: 1-3 days in your bank account &#8211; free<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. Mastercard. Maestro. Amex. Contactless. JCB. Discover. Diners Club. Union Pay. &nbsp; Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">High quality card machines with options<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">24\/7 customer support<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Accepts all major cards<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Pricing not fully transparent, SMEs must get a quote<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">18 months contract, no other options<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Fees higher than competitors for SMEs with card revenue below \u00a320,000 per month<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is it best for<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Businesses who regularly take card payments<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent <a href=\"https:\/\/swoopfunding.com\/au\/sectors\/restaurant-loans\/\">restaurants<\/a>, B&amp;Bs, food trucks, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Zettle by PayPal<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">As you may expect from a card machine provider backed by global payments giant, Paypal, <\/span><a href=\"https:\/\/www.zettle.com\/gb\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Zettle<\/span><\/a><span style=\"font-weight: 400;\"> brings simplicity and efficiency to the UK card machine market. Their offering is clear and stark \u2013 two types of machine, which you must buy \u2013 then a flat 1.75% transaction fee (even for foreign and premium corporate cards). After that, there are no other fees to pay, nor are you locked-in to a fixed term contract. Zettle card machines are also delivered to your door without shipping or set-up fees. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The Zettle Reader comes with a push-button keypad and clear display. The machine must stay connected, via Bluetooth, to a smartphone or tablet with the Zettle Go POS app to take payments. The more sophisticated Zettle Terminal works without a phone or tablet and features a touchscreen with Zettle\u2019s free POS app installed. The built-in SIM card connects directly to 3G or 4G if not using Wi-Fi, and you can get it with a built-in barcode scanner or receipt printer attachment.&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Zettle at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>ZETTLE \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: Zettle reader &#8211; \u00a329 + VAT for 1<\/span><span style=\"font-weight: 400;\">st<\/span><span style=\"font-weight: 400;\"> device, extras at \u00a359 + VAT purchase, or: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Zettle terminal &#8211; \u00a3149 + VAT (no barcode scanner), \u00a3199 + VAT (with barcode scanner and printer) purchase<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>Zettle<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">No contract lock-in<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No monthly min. charge<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No early termination fee<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> 1.75% per transaction, no other fees<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next day in your bank account<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. V Pay. Mastercard. Maestro. Amex. JCB. Discover. Diners Club. Contactless. Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Only pay for machine, then flat 1.75% per transaction, no other costs<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Most ergonomic reader<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Widest range of cards accepted<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Easy sign-up, no need to get a quote<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Limited customer support (Mon to Friday only)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Basic online tools<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is it best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with less than \u00a32,000 per month card sales<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Businesses with occasional card payments<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Tyl by NatWest<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Launched in 2020, <\/span><a href=\"https:\/\/www.tylbynatwest.com\/?utm_source=bing&amp;utm_medium=CPC&amp;utm_campaign=%7Bcampaignid%7D&amp;utm_term=%7Bkeyword%7D&amp;utm_content=%7Badgroupid%7D&amp;&amp;extcam=T_Bus_PPC_GGL_TYL_BAU-Q4-2022_Brand_Srch_%7B%E2%80%8Bkeyword%7D%E2%80%8B_Search_Exct&amp;&amp;msclkid=2521488e2df1118dbf742c2a37507c7a&amp;utm_source=bing&amp;utm_medium=cpc&amp;utm_campaign=GBR_BI_SEM_B_MU_NATWEST_TYL_CORE%20BRAND_NA_SEARCH_PER%3A-TYL_BUSINESS&amp;utm_term=natwest%20tyl&amp;utm_content=Brand-Exact-Core&amp;gclid=2521488e2df1118dbf742c2a37507c7a&amp;gclsrc=3p.ds\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Tyl<\/span><\/a><span style=\"font-weight: 400;\"> is NatWest Bank\u2019s competitor in the card machine race. Offering two types of card machine, one rental only, the other for rent or purchase, Tyl is attempting to create a following by opting for the stripped-down approach set by competitors such as Zettle and Square. With no contract lock-in, no setup fees and a flat 1.5% transaction fee (except Amex sales) for businesses with less than \u00a350,000 annual card sales revenue, (and a range of custom fees for SMEs with card sales over this sum), the offering is simple and easy to understand. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Unfortunately, the Tyl app-suite and other products do not match the capability or range of those from nearest rivals, although business customers who already bank with NatWest may enjoy the synergy of keeping all their digital sales eggs in one basket.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Tyl by NatWest at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"3\"><b>TYL by NATWEST \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"3\"><span style=\"font-weight: 400;\">Machine: Clover Flex &#8211; \u00a314.99 + VAT per month (wi-fi only), \u00a316.99 + VAT per month (4G and wi-fi) rental. 4G costs charged up to \u00a39.99 per month depending on usage, or:&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; PAX A50 pocket reader &#8211; \u00a36.99 + VAT per month rental, \u00a375.00 + VAT purchase<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td colspan=\"2\"><span style=\"font-weight: 400;\">Plans<\/span><\/td><\/tr><tr><td><b>Card revenue up to \u00a350k year<\/b><\/td><td><b>Card revenue more than \u00a350k year<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td colspan=\"2\">\n<ul>\n<li><span style=\"font-weight: 400;\">C<\/span><span style=\"font-weight: 400;\">ancel anytime<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No monthly min. charge<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No early termination fee&nbsp;<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"3\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> Flat 1.5% transaction fee for under \u00a350k revenue (except Amex).&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Custom transaction fees, authorisation fees and PCI compliance fee for more than \u00a350k revenue<\/span><\/td><\/tr><tr><td colspan=\"3\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next business day in your bank account &#8211; free<\/span><\/td><\/tr><tr><td colspan=\"3\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. Mastercard. Amex. Discover. Contactless. Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Choice of readers<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Simple plan for smaller SMEs<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Support of global bank<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Larger SMEs need to negotiate fees from five rate cards<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Doesn\u2019t take all credit cards<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Charges more for Amex transactions<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with regular card payments<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Existing NatWest business customers<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Square<\/b><\/h2>\n\n\n\n<p><a href=\"https:\/\/squareup.com\/help\/gb\/en\/article\/4955-sign-up-for-square-point-of-sale\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Square<\/span><\/a><span style=\"font-weight: 400;\"> joins Zettle (and SumUp) in the \u2018keep it simple\u2019 card machine category. They provide two types of machine, both for purchase only, and charge a flat transaction fee with no other fees to pay, and no locked-in, fixed term contract.<\/span> <span style=\"font-weight: 400;\">The Square Reader is the smallest, most lightweight card machine from the options on our list, but it needs a Bluetooth connection to the free Point of Sale app on your phone or tablet to take payments. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The Reader\u2019s bigger sibling, the Square Terminal, c<\/span><span style=\"font-weight: 400;\">onnects directly with a Wi-Fi network and has a touchscreen with Square Point of Sale features built in \u2013 making it an ideal portable checkout on your premises. One unique point in favour of Square is its speed to put money in your bank account. If you can wait 1 to 2 business days, it\u2019s free, but if you really need the money now, you can have the cash in your account instantly for an extra 1% fee.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Square at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>SQUARE \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: Square reader &#8211; \u00a319 + VAT (connects to phone or app) or: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; Square terminal &#8211; \u00a3149 + VAT (standalone wi-fi terminal) purchase<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>Square<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">No contract lock-in<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No monthly min. charge<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No early termination fee<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> 1.75% per transaction, no other fees<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: 1 to 2 days in your bank account for free, or instantly for 1% fee<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. V Pay. Mastercard. Maestro. Amex. Contactless. Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Smallest reader, excellent POS app<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">No contract, no monthly fees<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Wide choice of payment tools and integrations<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Instant deposit option available for a 1% fee<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Limited customer support (Mon to Friday only)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Doesn\u2019t accept as many cards as some competitors<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with less than \u00a31,500 per month card sales<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>SumUp<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">The third of our simple, no fuss contenders is <\/span><a href=\"https:\/\/help.sumup.com\/en-GB\/articles\/5V8xZtu56CPbJ2K7Hm0brt-how-to-sign-up-for-sumup\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">SumUp<\/span><\/a><span style=\"font-weight: 400;\">. Offering three types of machine, all of which must be purchased, they follow the same model as Zettle and Square <\/span><b>\u2013 <\/b><span style=\"font-weight: 400;\">buy the card machine, pay a flat 1.69% transaction fee, then pay nothing else at all. The SumUp Air is a simple card reader that connects to a phone or tablet to take payments. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Moving up the range, there is the SumUp Solo, a standalone terminal that connects via Wi-Fi or 4G, or at the top of the tree, you can choose the SumUp Solo Plus that offers a printer. At \u00a3139 plus VAT, the Solo Plus is the cheapest card machine with a receipt printer in the UK, and even though it doesn\u2019t have a product library or too many bells and whistles, it\u2019s a highly effective option for many types of small business.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>SumUp at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>SUMUP \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: SumUp Air reader &#8211; \u00a339 + VAT (connects to phone or app) purchase, or: <\/span>\n<p><span style=\"font-weight: 400;\">SumUp Solo &#8211; \u00a379 + VAT (standalone wi-fi and 4G terminal) purchase, or: &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; <\/span><\/p>\n<p><span style=\"font-weight: 400;\">SumUp Solo Plus &#8211; \u00a3139 + VAT (standalone wi-fi and 4G terminal with printer) purchase<\/span><\/p>\n<\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>SumUp<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">No contract lock-in<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No monthly min. charge<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No early termination fee<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> 1.69% per transaction, no other fees<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next day in your SumUp Business Account, or 1 to 2 days in your bank account for free<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. V Pay. Mastercard. Maestro. Amex. Discover. Diners Club. Contactless. Apple Pay. Union Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Biggest choice of card machines<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Comes with SumUp business account and card<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Free multi-channel payment tools<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Slow shipping and support<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Comes with few integrations<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with less than \u00a31,500 per month card sales<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Businesses with occasional card payments<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Dojo<\/b><\/h2>\n\n\n\n<p><a href=\"https:\/\/dojo.tech\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Dojo<\/span><\/a><span style=\"font-weight: 400;\"> is recent member of the card machine club, provided by fintech Paymentsense, a payment solutions provider with more than 70,000 business customers in the UK. Dojo comes with the PAX A920 reader and a single plan that offers different terms and transaction fees depending on your card sales revenue. Plans are 6 months for businesses with less than \u00a3150,000 revenue, and month to month for SMEs with card revenue above this sum. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Transaction fees vary depending on the brand and type of card accepted. Consumer debit and credit cards from Visa, Mastercard and Maestro cost 1.4% + 5p per transaction. Business, premium and corporate cards cost 1.8% + 5p per transaction. Amex has their own (typically higher) fees that are customised to match your business. Above an annual card revenue of \u00a3150k, Dojo customises your rates which may reduce to 0.3% to 2%, plus a fixed authorisation fee.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">One thing Dojo has that no other card machine provider can supply is an offer to pay up to \u00a33,000 of the cost for clients to exit their current card machine contract and choose Dojo Go. That may be enough for some UK business owners to choose this provider.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Dojo at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>DOJO \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: PAX A920 mobile touchscreen &#8211; \u00a315 &#8211; \u00a320 per month rental<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>Dojo Go<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td>\n<ul>\n<li><span style=\"font-weight: 400;\">Monthly or 6 months<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No setup fee<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Monthly min. charge \u00a324.95<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Early termination fee applies<\/span><\/li>\n<\/ul>\n<\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> 1.4%-1.8% + 5p or custom. 50p refund fee. \u00a328 + VAT per chargeback.<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next day in your bank account &#8211; free<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. Mastercard. Maestro. Amex. Discover. Diners Club. Contactless. Apple Pay. Google Pay. Samsung Pay.<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Next-day payouts include bank holidays and weekends<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dojo can buy out your existing card machine contract up to \u00a33,000<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Quote and monthly fees mandatory<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">6 months contract if annual card revenue less than \u00a3150,000&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Lower (customised) fees require annual card revenue of more than \u00a3150,000<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with less than \u00a31,500 per month card sales<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Smartpay Anywhere from Barclays Bank<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Barclays Bank offers their <\/span><a href=\"https:\/\/www.barclaycard.co.uk\/business\/accepting-payments\/card-readers\/pay-as-you-go\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Smartpay Anywhere<\/span><\/a><span style=\"font-weight: 400;\"> mobile reader for small businesses with low card sales revenue. The simple device is a basic card reader that comes with one of the lowest transaction fee rates on the UK market and no fixed contract. However, the technology lacks many of the newest features, only linking to the Smartpay app on your phone or tablet by Wi-Fi or 4G. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The app does not connect with receipt printers, cash drawers, barcode scanners or any other hardware. Customers wanting these kind of integrations must choose other Smartpay devices that come with fixed contract plans and variable transaction costs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Smartpay Anywhere at a glance:<\/b><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><b>SMARTPAY ANYWHERE \u2013 technology, plans, pricing, etc.<\/b><\/td><\/tr><tr><td colspan=\"2\"><span style=\"font-weight: 400;\">Machine: Anywhere terminal &#8211; \u00a329 + VAT per month rental<\/span><\/td><\/tr><tr><td rowspan=\"2\">&nbsp;<\/td><td><span style=\"font-weight: 400;\">Plan<\/span><\/td><\/tr><tr><td><b>Smartpay Anywhere<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Cost<\/span><\/td><td><span style=\"font-weight: 400;\">No separate plan charge<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Contract<\/span><\/td><td><span style=\"font-weight: 400;\">No contract lock-in<\/span><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">No setup fee<\/span><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">No monthly min. charge <\/span><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">No early termination fee applies<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Transaction fees:<\/b><span style=\"font-weight: 400;\"> 1.6%, or 2.5% card not present fee, or customised plans available<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Payouts<\/b><span style=\"font-weight: 400;\">: Next day in your bank account &#8211; free<\/span><\/td><\/tr><tr><td colspan=\"2\"><b>Works with:<\/b><span style=\"font-weight: 400;\"> Visa. V Pay. Mastercard. Maestro. Amex. JCB. Contactless. Apple Pay. Google Pay.&nbsp;<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Pros<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Simple plan for all types of SME<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pay as you go flexibility<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Support of a global bank, with 24\/7 live customer service<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Cons<\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Doesn\u2019t take as many cards as some competitors<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Reader only suitable for basic use \u2013 for more features, SMEs must upgrade to other machine options and a 12 or 18 months contract<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ageing technology&nbsp; in need of an upgrade<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><b>Who is best for?<\/b><b><\/b><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Businesses with low monthly card sales<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">New and small businesses<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Mobile professionals (plumbers, electricians, stylists, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Retail (small boutiques, market traders)<\/span><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Hospitality (independent restaurants, B&amp;Bs, food trucks, etc)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Existing Barclays Bank business customers<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><b>How to get the best business card machine<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">To get the best business card machine, you first need to open a new account with a card machine provider or switch the card machine provider you currently have. Both options can be difficult and time-consuming. The paperwork you need and the application forms and processes you must complete will vary from one provider to another. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Without expert guidance, SMEs could find themselves forever searching for a card machine provider that suits their individual needs. Instead, working with a broker, who can <\/span><a href=\"https:\/\/swoopfunding.com\/compare-business-current-account\/\"><span style=\"font-weight: 400;\">compare card accounts<\/span><\/a><span style=\"font-weight: 400;\"> and card machines from a wide range of providers is a better way to go. No more cold calls and demands for information, just tell us what you need and leave the rest to us.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>Get started with Swoop<\/b><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Register with Swoop today to discover the best <\/span><a href=\"https:\/\/swoopfunding.com\/compare-business-current-account\/\"><span style=\"font-weight: 400;\">card machine providers<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/swoopfunding.com\/uk\/business-loans\/small-business-loans\/\"><span style=\"font-weight: 400;\">business loans<\/span><\/a><a href=\"https:\/\/swoopfunding.com\/uk\/business-credit-cards\/\"><span style=\"font-weight: 400;\">, business credit cards<\/span><\/a><span style=\"font-weight: 400;\"> and more.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For many centuries, cash was king, powering the growth of industry, commerce and innovation. But that\u2019s no longer the case. Cash is rapidly disappearing from our wallets, purses and high streets, replaced by digital currency that we access via cards and phones. Without physical money, small businesses have quickly embraced new methods to collect payments [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":27756,"comment_status":"open","ping_status":"closed","template":"","category":[1666,1667],"class_list":["post-27755","blog","type-blog","status-publish","has-post-thumbnail","hentry","category-sme-support","category-swoop-guides"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-150x150.jpg",150,150,true],"medium":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-300x200.jpg",300,200,true],"medium_large":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-768x512.jpg",768,512,true],"large":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-2048x1366.jpg",2048,1366,true],"image_blog":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-408x252.jpg",408,252,true],"image_blog_full":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-1775x660.jpg",1775,660,true],"image_podcast":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-397x298.jpg",397,298,true],"image_banking":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-30x20.jpg",30,20,true],"image_blog_internal":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-840x480.jpg",840,480,true],"image_blog_medium":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-1024x500.jpg",1024,500,true],"image_single_banking":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2023\/07\/card-machine-featured-scaled-80x53.jpg",80,53,true]},"post_excerpt_stackable_v2":"<p>Read this article to me Powered by AiVOOV For many centuries, cash was king, powering the growth of industry, commerce and innovation. But that\u2019s no longer the case. Cash is rapidly disappearing from our wallets, purses and high streets, replaced by digital currency that we access via cards and phones. Without physical money, small businesses have quickly embraced new methods to collect payments from their customers \u2013 so say goodbye to cash and hello to the card machine, the absolutely essential business tool for retailers, traders, and hundreds of thousands of UK SMEs. Does my business need a card machine?&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/swoopfunding.com\/au\/category\/sme-support\/\" rel=\"category tag\">SME support<\/a>, <a href=\"https:\/\/swoopfunding.com\/au\/category\/swoop-guides\/\" rel=\"category tag\">Swoop guides<\/a>","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/au\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/27755","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/comments?post=27755"}],"version-history":[{"count":5,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/27755\/revisions"}],"predecessor-version":[{"id":36981,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/27755\/revisions\/36981"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/media\/27756"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/media?parent=27755"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/category?post=27755"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}