Revolut Terminal Review UK 2026

Updated August 2026. Revolut Terminal is a strong option for a UK business already using Revolut Business. The Terminal costs £169 + VAT, and qualifying UK consumer Visa and Mastercard transactions currently cost 0.8% + 2p.

The headline rate is excellent, but Revolut does not charge every card at 0.8%. American Express and other card categories cost more, so the best way to judge it is by your actual card mix.

What is Revolut Terminal?

It is Revolut’s standalone payment device for face-to-face transactions. It supports cards, contactless wallets and Revolut Pay while connecting payment acceptance directly to Revolut Business.

Hardware price

The current UK price is £169 + VAT. Revolut advertises no separate Terminal subscription, maintenance fee or card-terminal contract, although the wider Revolut Business account plan still matters.

Transaction fees

Worked example

Take 500 qualifying £20 payments in a month. Turnover is £10,000. The 0.8% element is £80 and 500 transactions at 2p add £10, giving a simplified £90 processing bill. At a flat 1.75%, the percentage-only equivalent would be £175.

The difference is substantial, but the example assumes every transaction receives the cheapest rate.

Revolut Pay

Revolut Pay transactions taken in store through the supported setup currently cost 0.5% + 2p. This can lower costs further when customers use it, but most businesses should still assume ordinary cards remain the main payment method.

Settlement

Revolut promotes settlement into the Revolut Business account within 24 hours, including weekends and holidays under its current proposition. This can be valuable for businesses that need weekend takings quickly.

Business account dependency

Terminal is part of the Revolut Business ecosystem. If you do not already want a Revolut Business account, include the relevant account plan in your overall decision rather than comparing only the card fee.

Read our Revolut Business account review.

Connectivity

Revolut markets the Terminal with Wi-Fi and SIM connectivity. That gives venues and mobile businesses a fallback if one connection is unreliable.

POS tools

Revolut also offers a wider POS proposition, allowing products, analytics and payment data to sit closer to the business account. This is most useful for shops and hospitality businesses already committed to Revolut.

Revolut versus Square Terminal

Square Terminal costs £149 + VAT and Square’s standard in-person UK-card rate is 1.75%. Square’s main advantage is its broad POS software ecosystem. Revolut’s main advantage is the lower qualifying card rate and banking integration.

See Square

Revolut versus SumUp Terminal

SumUp Terminal costs £135 + VAT and standard in-person payments cost 1.69%. SumUp gives you simpler flat-rate public pricing and does not require Revolut banking. Revolut can be much cheaper when most cards qualify for 0.8% + 2p.

See our SumUp fees guide.

Revolut versus Clover

Clover is more POS-heavy. Clover Flex hardware starts at £15 a month, with a service plan and individually tailored processing rate. Clover is stronger where staff need inventory, order and hospitality tools on the handheld itself.

Read our Clover review.

Who is Revolut Terminal best for?

• Existing Revolut Business customers.
• Businesses with mostly UK consumer Visa and Mastercard.
• Owners who value fast settlement.
• Mobile or hospitality businesses wanting Wi-Fi and mobile connectivity.
• Businesses interested in Revolut Pay.

Who should compare alternatives?

• Businesses with many international or commercial cards.
• Owners who do not want Revolut Business.
• Companies wanting a conventional merchant account relationship.
• Large merchants seeking a negotiated acquiring package.

Questions before buying

• What share of my current cards qualify for 0.8% + 2p?
• How many commercial and overseas cards do I take?
• Which Revolut Business plan do I need?
• Does it integrate with my current EPOS?
• How quickly can failed hardware be replaced?

How average transaction value affects Revolut pricing

The 2p fixed component is small, but it still means the effective percentage changes with transaction size. On a £5 qualifying payment, 2p represents another 0.4% before the 0.8% variable fee. On a £100 payment, the same 2p represents only 0.02%.

This makes Revolut particularly attractive to businesses with moderate or high average tickets. A coffee kiosk taking hundreds of £3 sales should still calculate the effective rate carefully, while a salon, clinic or retailer with £40 to £100 transactions may find the structure very competitive.

What happens with international and commercial cards?

These are the transactions most likely to make the headline 0.8% misleading. Revolut’s current fee schedule charges 2.6% + 2p for cards outside the cheaper consumer categories. If your customers are mainly local UK consumers, that may barely affect the blended rate. If you serve tourists, corporate clients or international visitors, it can matter a lot.

Revolut Terminal for hospitality

Restaurants and cafés may value the combination of portable hardware, mobile connectivity and fast settlement. The wider Revolut POS proposition also adds product and sales-management tools. Before relying on it for a busy venue, test table, tipping and EPOS workflows against specialist hospitality products such as Dojo or Clover.

Revolut Terminal for retail

For a small retailer, the main question is whether Revolut’s POS and inventory tools are deep enough for the catalogue. A simple shop may be comfortable. A multi-location retailer with complex purchasing and stock transfers may still prefer a dedicated retail POS while using Revolut only for payment processing.

What about refunds?

Revolut includes refund functionality in its payments proposition. The operational question is how quickly staff can find the original transaction, whether permissions can restrict refunds and how the accounting entry appears in your Revolut Business records. Test this before deploying the system to several employees.

Why settlement into the same account can matter

Small businesses often lose time reconciling card-provider deposits against a separate bank account. When payments and banking live in one system, matching settlements can be easier. The downside is greater dependence on one provider, so make sure you are comfortable with that concentration before moving both functions.

How often should you review Revolut’s processing cost?

Review the numbers every few months if your business is growing. A local service business can begin with almost entirely UK consumer cards and later attract corporate or international customers, changing the blended rate without changing the headline pricing page. Export recent transactions, group them by card category where the reporting allows and compare the real monthly processing cost with the current alternatives.

Also revisit the decision if your average transaction value changes. The fixed 2p component is almost irrelevant on a £200 sale but much more noticeable on a £3 coffee. A business that changes product mix can therefore change the economics of the same provider without processing more total turnover.

What should a larger business negotiate?

Once annual card turnover becomes substantial, do not assume public pricing is the final word. Compare Revolut’s published structure with tailored offers from acquirers and payment specialists. Ask each provider to model the quote against the same recent statements so you are comparing a realistic blended cost rather than unrelated headline rates.

Our verdict

Revolut Terminal is one of the most competitive current options for a UK business already using Revolut Business. £169 + VAT is reasonable for standalone hardware and 0.8% + 2p is excellent for qualifying UK consumer Visa and Mastercard.

The main warning is card mix. Use real transaction data before assuming the headline rate describes your whole business.

Also see our payment processor comparison and best card machines guide.