The Best Credit Card Machines for Small Businesses in 2021

Woman holding a card reader

By Rob Binns | Senior Writer | Updated: 13 January 2021

Choosing the right credit card machine is vital to your businesses operations. To help, we’ve put together the 10 best card machines for small businesses. Zettle card reader 2 takes the crown as the best mobile card reader, Ingenico iCT220 as the best countertop card machine, and Ingenico iWL series as the best portable card machine

Not sure what the difference is? We’ll take you through everything you need to know about taking card payments, the options of machines available, and what you’ll need to spend to get your business up and running with taking payments.

Read on for our exploration of the best card machines around. If you’re short on time, you can use our free comparison tool to find the best card machines for your business.

Best mobile card machine

Zettle card reader 2

Zettle (now a PayPal company) has shaken up the mobile payments industry in recent years. Zettle's distinctive (and new-and-improved) ``card reader 2`` is a cost-effective card processing solution designed specifically for small businesses. Costing just £29 (excl. VAT), it connects with the Zettle Go mobile app to allow businesses to take payments via a smartphone or tablet.

Overall Rating :

For more information about Zettle's services for merchants, head to our dedicated Zettle review.

Key Features

  • Accepts a wide range of credit and debit cards
  • No monthly fee. Repeat: there are no monthly fees
  • Battery life — up to 8 hours
  • No set-up fees
  • Card reader costs £59, but it’s more or less constantly discounted to £29
  • UK-based support
  • PCI and EMV compliant

Compare quotes >

Best countertop card machine

Ingenico iCT220

The iCT220 from Ingenico is a great example of an all-around countertop card terminal. It’s practically indestructible by PDQ machine standards. (Seriously. In a fight between an Ingenico ICT220 and a wall, we think the Ingenico would win.) With crystal-clear backlit display and jumbo, finger-friendly keys the ICT220 allows you to easily enter payment details even in low-light conditions. And as a tasty bonus it comes with a speedy built-in receipt printer.

Overall Rating :

Key features

  • Multi-merchant capability (ideal for multiple self-employed workers sharing one payment terminal)
  • Accept smartphone payments
  • Swipe function
  • Ethernet connection available
  • Backlit keypad
  • Large buttons
  • Built-in receipt printer
  • PCI and EMV compliant

Compare quotes >

Best portable card machine

Ingenico iWL series

The iWL card machine from Ingenico is a lightweight, feature-heavy handheld card terminal. Users can choose to connect using GPRS, 3G, WiFi or Bluetooth technology. And what’s more, iWL series card terminals are water and shock resistant, making them an ideal choice if your business operates in an outdoor space.

Overall Rating :

Key features

  • Up to 650 transactions on a single charge
  • Accept smartphone payments
  • Swipe function
  • Water and shock resistant
  • PCI compliant

Compare quotes >

Best of the rest

Here are the contenders that didn’t quite make our list, but still deserve a full review:

SumUp Air

SumUp is a trendy startup bidding to dethrone rivals Zettle as the king of mobile card machines. The company offers a flat transaction fee of 1.95% and no fixed monthly costs. Their pocket-sized card reader, the SumUp Air, measures just 84 x 84 x 23 mm. At a discount (of which SumUp are pretty much always running) it can be bought outright for the downright competitive price of £19 + VAT.

Overall Rating :

For more information about what SumUp does for UK merchants, head to our dedicated SumUp reviewOr, to see how the Air card reader weighs in against Zettle (our top mobile card machine pick), head to SumUp vs Zettle, and choose your corner.

Key features

  • Accept all major debit and credit cards
  • Accept smartphone payments
  • No fixed monthly costs
  • Short-term contract
  • Low upfront costs -the reader itself costs just £29 (though this price frequently comes down to £19)
  • PCI compliant

Compare quotes >

PayPal Here

PayPal Here is a mobile card reader that integrates seamlessly with your PayPal account. By doing this, it allows merchants access to funds from card payments just seconds after approval. The Paypal Here falls behind the Zettle Reader (a problem which PayPal solved by acquiring its erstwhile rival) and the SumUp Air because of its slightly higher price (£45 excl. VAT). But other than that, there’s not much to pick between the three.

Overall Rating :

Key features

  • Integrates with your PayPal account
  • Gives access to funds from a transaction just seconds after approval
  • Compatible with both Apple Pay and Google Pay
  • No fixed monthly costs
  • No fixed term contract
  • PCI compliant

Compare quotes >

Worldpay reader

Though Worldpay no longer actively advertises this card machine, it's the global payments giant’s (albeit lower-profile) answer to Zettle and SumUp. Designed specifically for small businesses, the Worldpay reader can be bought outright for just £39.99. The keypad is covered with a 12-month warranty, and you can issue receipts via email or SMS at the press of a button. It also comes with a virtual terminal for taking card payments over the phone.

Overall Rating :

Key features

  • Take card payments face-to-face and over the phone
  • Issue receipts via email or SMS with the press of a button
  • Keypad is covered by warranty for a year
  • Pay-as-you go payment plan with no monthly fees
  • PCI and EMV compliant

Compare quotes >

Ingenico iCT250 countertop card machine

The Ingenico iCT250 is a robust, cost effective countertop terminal ideal for retail businesses. Its keys are so large even your gran could use them, and sports a vibrant colour screen display. And crucially, it meets the payment industry’s highest security requirements for a PDQ machine. And because it plugs straight into both the power and the internet, you’ll never have to worry about the Ingenico iCT250 running out of juice.

Overall Rating :

Key features

  • PCI and EMV compliant
  • Compact, intelligent, and easy to use
  • Crisp display to drive increased brand power
  • Telium 2 technology for fast, secure transactions
  • Accepts all kinds of payment options
  • Built-in printer churns out 18 lines a second

Compare quotes >

Vega3000 countertop card machine

The Vega3000 Countertop PDQ terminal is one of the most widely used — and colourful — PDQ
machines in the industry. Boasting WiFi, GPRS, Bluetooth and USB connectivity (the full house!) it
provides a fast, reliable and cost-effective solution for small businesses. It’s equipped with
the latest high-tech software to safeguard transactions at lightning-quick speeds. And to top it all off, there’s even a touchscreen model available!

Overall Rating :

Key features

  • Accepts all payment types
  • Optional rechargeable backup battery for mobility
  • PCI and EMV compliant
  • Smooth, visually appealing interface
  • Powerful microprocessor enables speedy payments

Compare quotes >

Square card reader

You can be forgiven for thinking that Square's range of sleek, stylish card machines belong in a modern art museum, rather than on your countertop. With a range of versatile, mobile card machines, plus a sumptuous set of POS equipment, Square is well-suited to forward-thinking merchants – particularly those with an eye for aesthetics.

Overall Rating :

Key features

  • Accepts credit cards, debit cards, and mobile wallets
  • Fully contactless
  • Connects to Square's free point of sale app
  • Available for just £19 during COVID-19
  • Single, flat-rate transaction fee of just 1.75% per sale

Try Square today >

Ingenico Desk/3000 countertop card machine

The Desk/3000 from Ingenico belongs to a new era of PDQ machines, for a new generation of small businesses. It’s capable of handling over 2,500 payment applications in 170 countries, including Apple and Android Pay. And it’s not just fast; it’s flexible, too. The Desk/3000’s intuitive operating system, Telium, integrates with a host of smart business apps. So you won’t just be taking payments; you’ll be getting more insights into sales and employee performance. Which means you can work smarter – not harder.

Overall Rating :

Key features

  • Accepts many payment methods at the counter, including Google Pay
  • Wide range of connectivity options
  • Backlit keypad with full colour display
  • User-friendly interface
  • PCI and EMV compliant

Compare quotes >

Verifone VX680 wireless card machine

The VX 680 is Verifone’s most compact payment terminal yet, but it doesn’t compromise on features. It boasts an almost IMAX-sized colour touchscreen display, as well as Bluetooth, 3G, 2G and WiFi connectivity. And when you add in its Herculean battery life and quick processing speeds? Well, then the VX 680 weighs in as of the most versatile mobile PDQ machines on the market – and perfect for small businesses.

Overall Rating :

Key features

  • Integrates with a wide range of apps
  • Quick payment processing speed
  • Optional base stations offer flexibility
  • Long-lasting battery
  • Durable and reliable

Compare quotes >

All pricing information is correct as of 13th January 2021.

How you can accept card payments for your small business

You can’t just grab a device and start taking payments – there’s more to it than that. To start accepting card payments for your small business you’ll need an EPOS system and a merchant account, too. And to take payments online and over the phone, you’ll also need a payment gateway and a virtual terminal.

To accept card payments for your small business, you’ll need a combination of the following:

1. EPOS system

First up, if you serve customers face-to-face, you will need an Electronic Point of Sale (EPOS) system to pair with the credit card reader. This is essentially the till: a cash drawer, user interface and usually a receipt printer.

2. Merchant account

Next, you’ll need a merchant account with a merchant bank.

A merchant account is a type of credit account that allows your business to accept credit and debit card payments. It’s where the money sits while the bank checks that the customer has the sufficient funds to make payment. It also serves as protection against fraud.

PDQ machines are most commonly leased as part of a merchant account agreement. A merchant account can be setup with a dedicated merchant bank, such as Worldpay, or by special arrangement with a PSP (payment service provider) or ISO (Independent Sales Organisation).

Our guide to the best merchant account providers in the UK is essential reading for those looking to start accepting credit card payments. Or, you can go back to basics and learn what a merchant account is with our comprehensive explanatory guide.

3. Payment gateway

To take card payments online (or, for that matter, in person, too) you’ll need a payment gateway.

Integrated with the shopping card your website, a payment gateway is a secure piece of software that encrypts the customer’s card details and transmits them to the merchant bank.

Payment gateway explanation infographic

4. Virtual terminal

And businesses that need to accept credit card payments over the phone or by email will require a virtual terminal.

Like a payment gateway, a virtual terminal secures sensitive payment details while the bank authorises the transaction. Unlike a payment gateway, card details are entered into the system by the merchant, rather than the customer. This type of transaction is also known as a MOTO transaction (Mail Order / Telephone Order).

Along with payment gateways, pay-by-link, and online invoicing, virtual terminals are a popular online payment method for small businesses.

5. PDQ machine

Once you’ve got all that sorted, then you can go about choosing a card reader, or PDQ (‘Process Data Quickly' – a bizarre acronym used solely in the UK and Kenya) machine for your business.

The PDQ machine that's right for your business will vary depending on your specific requirements as a merchant. What works for a static brick-and-mortar business such as a coffee shop, probably won’t suit a food vendor who trades in a different location each week.

PDQ machine costs vary, so it’s important to choose the type that’s best suited to the unique needs of your business. Let’s take a closer look at the different types of devices available in the UK.

Now you know exactly how to take credit card payments – and which five elements will help you get there – it's time to start comparing quotes. Not just any old quotes, either – we're talking prices tailored to your business, from leading card machine suppliers that fit your small business' unique requirements.

You just need to tell us a bit more about what those requirements are. We'll ask a couple of questions about your industry and monthly sales volume, as well as how you plan to take card payments – whether that's online, over the phone, or from your bricks and mortar store. Our quick, quote-finding questionnaire takes less than a minute to complete, and it's 100% free for UK-based small businesses.

Get started by answering the first question below.

Compare Quotes from Leading Card Machine Providers in the UK and Save
It takes just 30 seconds...
1. Do you already have a card machine? YES NO

Types of Card payment machines

Pick a Card Machine Type..
mobile buttonwireless/portable button
Countertop button

Mobile card machines

mobile card machine

Mobile credit card machines allow you to accept card payments anywhere with mobile network coverage. They offer users ultimate flexibility, and have opened the door to a whole host of remote businesses for which a card reader was previously out of the question.

Remember when you used to have to ask the cab driver to stop at a cashpoint before dropping you off? Those days are over because of mobile card machines.

Most work via a pre-installed SIM card that connects your machine to a mobile network. Recently, though, more modern mobile card readers (like the Zettle card reader 2) have done away with the need for a SIM and instead connect to your phone via an app.

The benefits of a mobile card reader are:

Portability — great for merchants such as food vendors and market traders

Minimum hardware required — with some models, all you need is the card reader and a smartphone or tablet to connect it to

No long-term contract — most mobile card reader providers offer short-term contracts tailored specifically for UK small businesses

Perfect for UK businesses such as: food truck vendors, cab drivers, pop-up shops.

Wireless/portable card machines

Wireless card machine

A portable card machine allows merchants the flexibility to move around and take payments without relying on mobile network coverage. They’re the perfect choice for a restaurant or bar setting where the point-of-sale is often at the customer’s table.

Wireless terminals usually connect via wifi, but if you don’t have an internet connection they can be hooked up to a traditional landline too. Most will operate for around eight hours before needing to be recharged and work at a range of up to 200 ft.

Benefits of a portable card machine include:

Improve customer service — bring the card terminal to your customer. Ideal for hospitality businesses

Flexible with a stable connection — not reliant on mobile network coverage for connection

Choice of wifi or Bluetooth connectivity — connect to the network via the internet or a traditional phoneline

Perfect for UK small businesses such as: cafes, restaurants, bars.

Countertop card machines

Countertop Card Machine

Many small businesses choose to rely on countertop card machines to process payments. With a hardwired connection, they’re sturdy, reliable, and often the cheapest option in terms of upfront cost.

This varies from provider to provider, but you can expect to pay around £100 to buy a countertop card machine outright, compared with £200-£300 for a portable machine. The savings are real.

So for businesses like coffee shops, where the customer pays at the counter, a countertop card machine is often the best option.

The advantages of countertop card machines include:

Reliable connection — you're not reliant on wifi or mobile network coverage

No charging — there’s no risk of the dreaded low battery warning

Save on upfront costs — countertop card terminals are generally cheaper than portable and mobile card machines

Perfect for UK small businesses such as: coffee shops, newsagents, beauty spars.

Contactless Card Machines

Accepting contactless payments

Contactless payment is the fastest, most convenient, and most COVID-secure payment method for customers. Most modern PDQ machines come with a contactless payment facility as standard. So, while there’s typically not much to compare in terms of hardware, it is important to get to the bottom of the transaction fees, as these can vary a lot.

The pros and cons of card machines for small businesses

Advantages of accepting credit cards

Higher revenue — card payments account for over half of all UK transactions, and that number is set to rise year-on-year. Businesses that don’t accept card payments will be left in the dark ages.

Credibility — as a business, if you don’t accept debit and credit card payments you look amateur. That’s a fact.

Better end-to-end customer experience — a quick tap or swipe of a credit card is much more convenient for a customer than laboriously counting out cash. Streamline their shopping experience with a card reader. Remember: a satisfied customer is a loyal customer.

Better cash flow — providers that specialise in making the best card machines for small businesses prioritise a speedy transfer of funds as part of their service. Cashflow can be a major problem, so having having quick access to the money from card payments is a major benefit.

Upsell — it’s been proven that customers typically spend more when paying by card. Why? Well, when they aren’t physically parting with any cash, a quick stop for coffee can easily turn into a full blown lunch (and maybe even a muffin for dessert!)

Security — handling large amounts of cash poses an obvious security risk to your business. Reduce this risk by accepting payments electronically. Plus, the EMV computer chip in modern cards makes them extremely difficult to clone, further reducing the chance of fraud.

Disadvantages of accepting credit cards

Cost and transaction fees — you will be required to pay a transaction fee for every card payment processed. Fees vary depending on the volume of transactions; the more transactions you process, the lower your rates will be. This poses an obvious problem to small businesses who tend to process a low-volume of card payments. Don’t worry though, the providers reviewed on this page specialise in PDQ machines for small-scale business operations, with fees to match.

Chargebacks — dealing with chargebacks can be a long and arduous process for business owners. Customers have the right to challenge any card payments they see on their statement, which can sometimes mean business owners have to refund the transaction, on top of a chargeback fee. This is usually around £15, but can be even more for high risk businesses.

Fraud — fraudulent transactions may be few and far between, but when they do occur it is usually the merchant who loses out.

Credit check — most merchant account providers will run a credit check on you before you're accepted. This may rule you out if you have a bad credit history, or have just started out in business. Some providers, such as Square, don't run a credit check – you can find the rest of these providers in our guide to no credit check merchant accounts.

Woman holding a card reader

Save money on the cost of a card machine by comparing quotes with Expert Market

It's easy, and our quote-finding questionnaire takes less than a minute to complete. All quotes you receive are tailored to the specific requirements of your small business, from leading card machine providers.

Compare Quotes from Leading Card Machine Providers in the UK and Save
It takes just 30 seconds...
1. Do you already have a card machine? YES NO

How much do credit card machines cost for a small business?

A card machine is usually rented as part of a merchant account agreement. You won't go to a shop, for instance, and pluck an Ingenico or a Verifone model off the shelf – it'll be supplied by takepayments, Handepay, or whichever company you've signed a merchant services agreement with, who will rent you the machine.

Other providers – payment facilitators, mainly, such as SumUp, Square, and Zettlesell you the card machine directly. Yes, this is cheaper in the long run than the PDQ terminal rental you get with traditional merchant account providers, though you'll pay for it in higher transaction fees.

Aside from the charge for the payment terminal itself (or its monthly rental), there are two main set of fees you need to know about: transaction fees and a minimum monthly charge.

The transaction fee is what you'll pay every time you make a sale, and is usually a percentage of the sale's value (for example, 1.5%). Sometimes, it's a flat fee (such as 5p), and other times it's a blended rate (let's say, 1.5% + 5p). The minimum monthly charge is a fee you'll pay to your merchant account provider if sales don't meet a certain threshold over the course of the month.

For more information about what you'll pay for a card machine, check out our guide to merchant account fees in 2021.

How we analyse and rate credit card machine providers

At Expert Market, it’s our aim to provide you with the most accurate, up-to-date, and transparent product and service reviews possible. So, to help you better understand the best merchant account options out there, we’ve conducted in-depth, extensive research into the payments industry and its top companies.

Here’s how we did it:

Independent researchers

We worked with two independent researchers over 60+ hours to rate 13 different merchant services providers – eight traditional (dedicated) merchant account suppliers, and five payment facilitators.

Our project assessed four separate varieties of payment methods, as well as nine specific features. Using a bespoke, industry-style algorithm, we rated each provider across four key metrics.


  • Help and support: we assessed the level of customer support (such as email, phone, or live chat), as well as its availability (24/7, or weekdays only?), to provide a weighted score for each merchant account supplier.
  • Affordability: our affordability algorithm took into account the specific transaction and monthly fees for various transaction types, as well as any one-off costs. Our analysis also included contract length, package type, the flexibility of each providers’ pricing structures, plus the price of any hardware required.
  • Features: we assessed each supplier on up to eight specific features. We then weighted these scores, and translated them into a point value system. This allowed us to form accurate ratings for each merchant account provider, and make specific recommendations to you.
  • Customer approval: we assigned each provider a ‘customer score’, which involved seeking opinions from within the community, as well as feeding data aggregated from online sources into a unique algorithm. This allowed us to calculate overall customer approval scores for each merchant account supplier, in real time.


We take the integrity of our research seriously. If you’ve got any questions at all about our research process, feel free to get in touch with Rob, our financial services specialist, at

Rob Binns Expert Market
Rob Binns Senior Writer

Rob writes mainly about the payments industry, but also brings to the table industry-specific knowledge of CRM software, business loans, fulfilment, and invoice finance. When not exasperating his editor with bad puns, he can be found relaxing in a sunny (socially-distanced) corner, with a beer and a battered copy of Dostoevsky.

Now Read