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Best card machine providers for small UK businesses
Top 20 Credit Card Processing Companies For Small Businesses Reviewed: Company, Cost, Fees and Support for UK Businesses.
Each of our card machine providers has its pros and cons. Depending on your business needs, size, and volume of transactions, one provider may suit you vs. others. Let’s go ahead and look at the top UK providers below.
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Worldpay
Worldpay is Europe’s biggest merchant account provider. They have a wide variety of card payment solutions. The cost varies depending on your needs. There is no joining fee, and their pricing policy is upfront and simple once you are in touch with them. Worldpay is trusted and used by more than 3 million businesses in the UK alone.
Their online dashboard offers 24/7 support. You can access your account and view all your transaction information anytime. They process payments across 116 countries and are PCI DSS compliant. You can negotiate a smart point of sale system to be included in your merchant account package.
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Sagepay
Sagepay is a popular card machine provider in the UK and provides competitive rates. A credit card usually incurs a 2.5% fee with Sagepay, whereas debit cards have a small fee of 40p per transaction. There is no hidden fee involved. Accepting credit card payments has a 2.5% transaction fee. Debit card payments cost 40p per transaction.
You can take advantage of several payment options they provide: face-to-face, phone, and online. Their card terminals are PCI DSS compliant. Payments accepted are transferred securely to you within two days
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Payment Sense
Payment Sense has created a market for itself in the UK and serves 50,000 businesses. They are one of the only merchant service providers in the UK to offer capped affordable rates. Companies 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. PaymentSense has a variety of online tools for fraud screening, invoices, and reporting. They offer 24/7 customer support to all UK clients, which has helped them become a trusted provider.
PaymentSense offer a starting package from £8.50/month and a pro package which costs £16.60/month.
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Paypal
Paypal is popular with small businesses that are just starting who want to take payments online. Set-up is secure, and transaction fees can be as low as £1.9%.
Paypal accepts payments in 25 different currencies. It can be integrated with eCommerce solutions such as Shopify, PrestaShop, Magento, and WooCommerce. They have also recently launched its mobile credit card machine called Paypal Here. With Paypal Here, your business can accept card payments anywhere with internet or 3G connection.
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Takepayments
Small businesses looking for a short-term contract with no joining or exit fees will find Takepayments to be the right choice. Takepayments are a leading UK card machine provider that offers 12-month contracts and provides countertop, portable, or mobile card machines. They allow card transactions in person, over the phone, or online.
Takepayments can set up a merchant account for you in a few minutes. Likewise, if an issue arises, they quickly ship you a new card machine and offer support. This ensures you don’t miss out on any essential transactions for your business.
It is one of the only card machine providers in the UK with local staff that can drop in and sorts out any issues you may have.
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First Data Merchant Account
First Data has been in the UK card acceptance and processing business for 20 years. They provide in-depth merchant services providing countertop, mobile, portable, online, and contactless card machine solutions. They help to integrate payment terminals into your business website or on-premises. First Data charges a monthly fee of £15 for 500 transactions or less.
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Global Payments
Global Payments is an American merchant service provider who has its UK office based in Leicester. It holds 20% of the UK market since it acquired HSBC merchant services in 2009.
They offer payment solutions covering face-to-face payments and online payment. All major credit and debit cards are supported. They have flexible pricing and rapid card processing solutions. Their website does not mention fees, but you can contact Global Payments for more information.
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Elavon
Elavon has been around for more than 20 years and is a leader in providing merchant services. They offer the latest payment technology—their extensive customer base range from small to more prominent enterprise-level companies.
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Barclay Card
Barclaycard provides payment solutions that will allow you to take payments in person, online, or over the phone. They offer a range of payment processing options, including mobile, countertop, and portable PDQ machines.
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Handepay
Handepay pledges to pay you £1000 if they cannot save your business money. They have an excellent 9.7 rating out of 10 on Trustpilot and claim to be the go-to card machine provider for small businesses. Handepay doesn’t charge a fee for set-up or authorisation, and there are no minimum monthly service charges.
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EVO Payments
Evo Payments was founded in 1989 as an international payments company. They currently handle £80 billion worth of transactions worldwide yearly. They offer unique solutions to UK customers. Price plans are tailored to suit different business needs, including all-inclusive bundles. Evo payments also provide a single integration for software developers.
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Cashflow
Cashflow has been helping businesses process payments online for years. They cover many sectors and are never afraid to disrupt the payments industry. They provide a merchant account to help you receive cash, a payment gateway to enable online payments, and a virtual terminal to help businesses accept mail and telephone orders.
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Lloyds bank Cardnet
Lloyds Bank Cardnet process over 1 billion transactions a year. Serving 75,000 businesses, Cardnet offers online and face to face payment processing solutions to businesses of all sizes.
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XLN pay
They are offering cheap credit card processing solutions to small businesses in the UK. XLN Pay launched 15 years ago. They have served over 500,000 customers. XLN Pay is the perfect solution for startups, small shops, hairdressers, cafes, and tradespeople.
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Card Cutters
Founded in 2009, Card Cutters provide card payment solutions to over 7,000 merchants in the UK and Ireland. Getting a PDQ machine from Card Cutters or their sister company Global Card Solutions, is easy. They offer small and more significant 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 our article on the top mobile card readers providers.
16. Izettle launched in 2011 Izettle provides a market-leading mobile card reader solution that enables businesses to take card payments.
17. Sumup process millions of transactions worldwide and provide payment solutions via the Sumup mobile card reader.
18. Paypal Here Card Reader is provided by one of the biggest providers of online payments Paypal. The card reader allowed Paypal to enter the offline payments market and cater to small businesses in the UK.
19. Square was founded by Twitter’s co-founder Jack Dorsey. They provide the perfect card reader solution for small businesses.
20. Worldpay Card Reader is a perfect solution for small businesses that want to take payments. UK’s biggest merchant account provider provides it. Many companies are already reaping the benefits.
21. UTP Merchant Services provides a range of card machines and online gateway solutions to businesses. Competitive rates and first-class customer support make them trusted by many retailers, pubs, bars, and stores.
So there you have it. We have given you 20 different card machine providers that you can use to start accepting card payments.
