9 Best Credit Card Machine for Small Businesses [Top-Rated]

Square’s credit card machine, the Square Reader, is an affordable and user-friendly solution for small businesses to streamline payment processing. It’s easy to set up, allowing them to start accepting payments quickly and efficiently. This makes it ideal for those seeking a cost-effective and hassle-free payment solution.

I like that the Square Reader has a sleek design and robust functionality, ensuring transactions are processed smoothly, in-store or on the go. It offers businesses a secure and reliable way of handling payments, which is great for sales and the customer’s peace of mind.

Square Pricing

The Square Reader itself costs £19, and has 3 pricing plans, as shown below:

– Free: £0/month

– Plus: £29/month

– Premium: Custom (for companies who process over £200K a year)

SumUp is a POS systems provider that helps businesses in the service industry process various payment types quickly and efficiently. Their credit card machines offer table-side payments for restaurants with built-in tipping features. With portable designs, the machines are ideal for service businesses that need to accept payments on the go.

These machines are simple to use and require minimal training. They also offer easy integration and no long-term contracts or hidden fees. This makes them a cost-effective choice for small businesses that must manage expenses carefully.

SumUp Pricing

SumUp’s credit card machines start from £39, and there are 3 pricing plans on offer, which are as follows:

– Pay-as-You-Go: £0/month + 1.69% for in-person payments and 2.5% for digital payments

– SumUp One: £19/month + 0.99% for in-person payments and 0.99% for digital payments

– Custom: For businesses with over £60,000 in payments a year.

Zettle by PayPal is a payments solution provider that offers scalable solutions for growing small businesses without contracts or recurring fees.

I found their flat 1.75% transaction fee to be a great feature since businesses don’t need to worry about costs as their sales increase. Also, the platform’s PayPal integration enables them to seamlessly transition between in-person and online sales, which is great for businesses that want to expand into other markets.

Furthermore, I like that Zettle has a POS with features like inventory management, sales analytics, and customer tools. This allows businesses to grow efficiently without investing too much money in expensive external systems.

The mobile design of the credit card machine enables payments anywhere, from pop-up shops to storefronts, offering flexibility as businesses expand.

Zettle Pricing

Zettle has no monthly pricing plans, but there are the following costs to keep in mind:

– £29 for the first card reader and £59/additional card reader.

– 1.75% per transaction fee + other transaction types.

Dojo Go is a credit card terminal by Dojo. I noticed on the website that the company claims it can process payments 50% faster than the industry average. Completing contactless payments with the Dojo Go can take less than 2 seconds, according to them.

I believe this speed can be a game changer for busy establishments like restaurants and retail stores during peak hours. And with built-in mobile connectivity, businesses can have peace of mind knowing that the device will work even when WiFi is out.

Dojo Go Pricing

The following costs are associated with the Dojo Go card machine:

– Hardware costs start from £179

– Hardware costs can be spread with a monthly fee, starting from £15.

– Businesses can opt for a 1.2% all-inclusive charge

– A custom rate is available based on business needs

takepaymentsplus’s credit card machine caters to the needs of businesses with multiple users. I like its Cashier Management feature since it lets small business owners add different users and give them a PIN to unlock the machine when they need to use it.

This credit card machine is ideal for restaurants and retail stores that require strict control over who can handle payments.

takepaymentsplus offers detailed reporting for individual user transaction tracking and performance monitoring. This feature enables effective staff management and accountability, which is especially useful for businesses with high turnover rates.

I like the fact that it offers consistency in both performance and customer service. This is reflected directly in its Trustpilot page, showing a 4.9/5 rating with an “Excellent” tag.

takepaymentsplus Pricing

The takepaymentsplus service offers custom pricing based on your requirements. You’ll have to fill out a form on their website for a free quote.

Worldpay’s card machines, the DX8000 and DX4000, are trusted by global enterprises due to their robust security features, comprehensive payment options, and scalability. They use the latest PCI security standards to facilitate safe transactions, which is crucial for small businesses that handle sensitive payment data.

The credit card machines support various payment methods, including contactless, chip & PIN, and digital wallets like Apple Pay and Google Pay, making them ideal for global operations. Furthermore, they integrate smoothly with existing business systems and run on Android for easy navigation.

Worldpay Card Machines Pricing

The pricing information for the Worldpay card machines is as follows:

– Terminal hiring fee starts from £15

– 1.5% per transaction fee on Visa and Mastercard.

– Custom plans are available for businesses with a lower transaction rate.

The Tide Card Reader is tailored for existing Tide Bank customers. I like that it seamlessly integrates with their business accounts, allowing them to accept payments directly into their Tide account, simplifying cash flow management for small businesses already using Tide’s banking services.

Tide account holders benefit from the card reader’s digital features, including no monthly contracts, free internet connectivity, and simple transaction fees.

The seamless integration with Tide’s banking platform creates an all-in-one solution for payment processing and financial management.

Tide Card Reader Pricing

There are 2 versions of the credit card machine provided by Tide, as highlighted below:

– Tide Card Reader: £49 (email receipts only).

– Tide Card Reader Plus: £79 (email and printed receipts).

The Revolut Terminal is suited for existing Revolut customers who want to smoothly integrate a payment solution with their Revolut Business accounts.

If you are an existing Revolut customer, I recommend the Terminal for its real-time settlement feature, which reduces the wait time for funds to arrive in the account. This goes a long way toward enhancing cash flow.

I also find the Revolut Terminal especially useful for businesses that want to leverage Revolut’s multi-currency accounts and low international transfer fees.

Furthermore, the Revolut Pay integration allows customers to pay directly through their Revolut app. This enables quicker payments while they earn RevPoints, which they can redeem for various perks. The RevPoint system works well to ensure customer loyalty.

Revolut Terminal Pricing

– £169 for hardware costs

– Processing fees start from 0.8% + £0.02/transaction

Epos Now is considered an excellent all-in-one POS because it combines hardware and software solutions that allow businesses to manage sales, inventory, staff, and customers in one place.

By centralising all aspects of commerce, your business can reduce the need for multiple software and hardware solutions, simplifying daily operations and cutting costs.

The POS and credit card machines are adaptable to various business types. From retail to hospitality, they provide the features needed to enhance efficiency. This makes it easy to integrate into existing workflow with minimal disruption, especially when you’re expanding your POS capabilities.

Epos Now Pricing

Epos Now provides custom pricing based on your business requirements.