{"id":142428,"date":"2017-01-14T12:24:03","date_gmt":"2017-01-14T12:24:03","guid":{"rendered":"https:\/\/startups.co.uk\/?p=142428"},"modified":"2024-06-13T16:54:07","modified_gmt":"2024-06-13T16:54:07","slug":"best-small-business-credit-card-machines-readers","status":"publish","type":"post","link":"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/","title":{"rendered":"8 best card machines and mobile card readers for small businesses"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column] <\/p><div class=\"flexi-comp-lw\">\n <div class=\"flexi-comp-lw-text\">\n <p>Startups.co.uk is reader supported &ndash; we may earn a commission from our recommendations, at no extra cost to you and without impacting our editorial impartiality.<\/p>\n <\/div>\n <\/div>\n[vc_column_text]Card machines are essential for taking payments. But how do you choose the right one for your business? At Startups, we&rsquo;ve been helping SMEs answer that question for over 20 years.\n<p>Using independent analysis, plus interviews with real-life business owners, I&rsquo;ll outline the <strong>eight best card machine providers in 2024 <\/strong>&mdash; and ask whether they&rsquo;re right for your business &mdash; below.[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 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13.3174026,4.01979892 C12.3231169,4.03919744 11.7205195,4.0004004 10.7864935,4.05859596 Z M93.4369469,5.03977318 C93.5273365,5.03977318 93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Best card machines and readers at a glance: <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<ul>\n<li><a href=\"https:\/\/startups.co.uk\/go\/tide-card-reader\" target=\"_blank\" rel=\"nofollow noopener sponsored\" data-cta-type=\"inline-link\"><strong>Tide Card Reader Plus<\/strong><\/a> &ndash; featured provider<\/li>\n<\/ul>\n<ol>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>takepayments<\/strong><\/a>: Best overall card reader<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>Worldpay<\/strong><\/a>: Best for larger stores and restaurants<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>Zettle<\/strong> <strong>by PayPal<\/strong><\/a>: Best mobile card reader<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>Tyl by Natwest<\/strong><\/a>: Best for fast payment processing<\/li>\n<li><a class=\"js-aw-brand-link\" href=\"https:\/\/startups.co.uk\/go\/Square-Ecom-CardPricing\" target=\"_blank\" rel=\"nofollow sponsored noopener\" data-feed=\"XAjGJE3xvVYPesZUfw5TvfCMUovDyKTk\" data-cta-type=\"inline-link\"><strong>Square<\/strong><\/a>: Best for pop-ups, kiosks and stands<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>SumUp Air<\/strong><\/a>: Cheap transaction fees for small stores<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>Dojo<\/strong><\/a>: Best for Flexibility<\/li>\n<li><a href=\"https:\/\/webforms.startups.co.uk\/merchant-accounts?nwid=highlightlist\"><strong>SmartPay Anywhere<\/strong><\/a>: Best for Barclays business bank account holders<\/li>\n<\/ol>\n<p><em>Don&rsquo;t overspend on your card reader &ndash; you can click any of the links above to begin comparing fees<\/em><em> on card machines for your own business&rsquo;s size and needs or to learn more about various systems.<\/em><\/p>\n <\/div>\n <\/div>\n[vc_column_text]Whether you&rsquo;re running a market stall or a bustling restaurant, this guide outlines all you need to know about card machines, including what a <a href=\"https:\/\/startups.co.uk\/payment-processing\/best-merchant-services-credit-card-processing-companies\/\"><strong>merchant account<\/strong><\/a> is, how <strong>mobile card readers<\/strong> compare to &lsquo;traditional&rsquo; <strong>countertop card machines<\/strong>, how <strong>pricing plans<\/strong> work, and what <strong>card fees <\/strong>to watch out for.\n<p>To help you choose, we&rsquo;ve thoroughly evaluated the best card machines in the UK on the criteria that matter most to small businesses, including:<\/p>\n<ul>\n<li>Pricing and transaction fees<\/li>\n<li>Capacity to scale<\/li>\n<li>Ease of use and setup<\/li>\n<li>Available user support channels<\/li>\n<li>Integrations with apps<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_empty_space][vc_column_text]<\/p>\n<h2>What&rsquo;s the best card reader for small business? Comparison table<\/h2>\n<p>[\/vc_column_text][vc_column_text]Our research found the <strong>takepayments A920 to be the best card reader. <\/strong>This portable machine offers a breadth of features &ndash; including <a href=\"https:\/\/startups.co.uk\/payment-processing\/tipping-uk\/\">tip allocation<\/a> &ndash; plus, it tailors its prices to each business, giving you the opportunity to negotiate your monthly charges. Still, the best option for you all comes down to what type of business you&rsquo;re running, and how many transactions you tend to handle.<\/p>\n<p>If you&rsquo;re running a market stall or food truck, for example, a compact machine like the <a class=\"js-aw-brand-link\" href=\"https:\/\/startups.co.uk\/go\/Square-Ecom-CardPricing\" target=\"_blank\" rel=\"nofollow sponsored noopener\" data-feed=\"XAjGJE3xvVYPesZUfw5TvfCMUovDyKTk\" data-cta-type=\"inline-link\"><strong>Square card reader<\/strong><\/a> is a perfect choice. For larger stores and restaurants handling a lot of covers, the more robust <strong>Worldpay card reader <\/strong>will be more suitable.<\/p>\n<p>Below, I&rsquo;ve rounded up my top picks of the best card machines, with essential need-to-knows including key features, prices, and <strong><a href=\"https:\/\/startups.co.uk\/payment-processing\/credit-card-processing-fees\/\">credit card transaction fees<\/a><\/strong>:[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-buying-guide-what-to-look-for-in-a-card-machine\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>Buying guide: what to look for in a card machine<\/h2>\n<p>Before we get started, here&rsquo;s a rundown of key considerations to choosing the right card machine for your business.<\/p>\n<h3>1. Type of card machine<\/h3>\n<ul>\n<li><strong>Portable: <\/strong>a portable reader that uses WiFi connect wirelessly to your POS system and can be taken around the premises (ideal for waiting tables)<\/li>\n<li><strong>Mobile:<\/strong> connects to cellular networks or in-built modems. Suitable for outdoor businesses or those on-the-move (such as <a href=\"https:\/\/startups.co.uk\/payment-processing\/best-pos-systems-restaurants\/\"><strong>food truck businesses<\/strong><\/a>)<\/li>\n<li><strong>Countertop:<\/strong> a fixed sales point that uses wired internet or a phoneline to connect but was made to stay in one location (ideal for shops and salons)<\/li>\n<\/ul>\n<h3>2. Pricing<\/h3>\n<p>You can either purchase a card reader in one, upfront purchase, or lease it for a monthly charge.&nbsp;Remember that a higher price tag doesn&rsquo;t always indicate higher quality. Take Square&rsquo;s reader, for instance, which at <strong>&pound;19 + VAT<\/strong> upfront is &pound;10 cheaper than the Smartpay Anywhere. However, our research and testing rates the Square Reader more highly.<\/p>\n<h3>3. Transaction fees<\/h3>\n<p><a href=\"https:\/\/startups.co.uk\/payment-processing\/credit-card-processing-fees\/\"><strong>Transaction fees<\/strong><\/a> are charged on every sale. Cheaper fees tend to start at around 1.5%, while more expensive fees sit closer to 3% (some providers will enable you to negotiate rates, so do ask about this if it feels appropriate). Examine whether a provider&rsquo;s fees are:<\/p>\n<ul>\n<li><strong>Fixed =<\/strong> sticking at the same percentage per transaction no matter what<\/li>\n<li><strong>Variable = <\/strong>changeable depending on the type of payment eg. credit or debit card<\/li>\n<li><strong>Tiered or sliding =<\/strong> cheaper the higher your transaction volume<\/li>\n<\/ul>\n<h3>4. Monthly fees<\/h3>\n<p>Watch out for sneaky, additional monthly charges, such as security license fees or chargeback charges (a fee incurred when a customer disputes a transaction). Some providers also levy fees for hardware&nbsp; maintenance, customer support access, or software updates. Evaluate these against the services provided and ensure they align with your business&rsquo;s needs.<\/p>\n<h3>5. Contract lengths<\/h3>\n<p>Assess contract lengths (typically minimum one year) and termination clauses, as you might be charged if you leave your contract early. Finding a provider that offers maximum contract flexibility is key, especially if your business is seasonal or just starting out.<\/p>\n<h3>Other considerations when choosing a card reader:<\/h3>\n<ul>\n<li><strong>Battery life:<\/strong> for mobile or portable machines, longer battery life means fewer interruptions during transactions and more satisfied customers<\/li>\n<li><strong>Accepted payment types:<\/strong> ensure your machine supports major card networks (Visa, Mastercard, etc.) and emerging methods like Apple Pay or Google Pay<\/li>\n<li><strong>Features: <\/strong>inventory management, reporting tools, or integration capabilities with your existing systems can streamline operations and enhance business efficiency<\/li>\n<li><strong>Compliance: <\/strong>ensure your chosen machine adheres to Payment Card Industry Data Security Standard (PCI DSS) requirements to safeguard sensitive information<\/li>\n<li><strong>Support options: <\/strong>look for providers offering reliable customer service, preferably with multiple channels of support<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&rdquo;25px&rdquo;]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-1-takepayments-best-overall-card-reader\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>1. takepayments: Best overall card reader<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;157609&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>The takepayments A920 touch screen card machine<\/em><\/p>\n<p>[\/vc_column_text][vc_column_text]takepayments was founded in 2016 by Clive Kahn, a payment expert who began his career volunteering in his parent&rsquo;s shop aged 13. That experience might be why the takepayments A920 card reader boasts such a customer-centric design. I found it to be a very portable terminal, with a good-sized touchscreen interface that will return a response in 1-5 seconds.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"takepayments\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2022\/11\/takepayments-logo-e1669201695660.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"takepayments logo\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.8<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.2\" aria-label=\"Rating of this product is 4.2 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.2 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Taking Payments <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 5\" aria-label=\"Rating of this product is 5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 5\" aria-label=\"Rating of this product is 5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.8\" aria-label=\"Rating of this product is 3.8 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.8 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.4\" aria-label=\"Rating of this product is 4.4 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.4 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n takepayments Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Zero setup fees <\/li>\n <li class=\"pros-cons-item\">\n Touchscreen terminal for up to six users <\/li>\n <li class=\"pros-cons-item\">\n Next-day settlement <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n takepayments Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Lengthy 18-month contracts <\/li>\n <li class=\"pros-cons-item\">\n &pound;15 monthly fee for PCI-DSS security compliance <\/li>\n <li class=\"pros-cons-item\">\n Fixed chargeback fee of &pound;9, plus refund fee of 30p <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 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90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the takepayments A920 card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003; <strong>R<\/strong><strong>estaurants and cafes <\/strong>who can use its inventory tracking features<br>\n&#10003;<strong> Pubs and bars <\/strong>that make use of gratuity features<br>\n&#10003;<strong> Omnichannel retailers&nbsp;<\/strong>that sell online and in-person<\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]Hospitality firms will like that the A920 offers the ability to allocate tips to each user, ensuring that gratuities are correctly distributed among your staff (which will be especially important to get right when the Employment (Allocation of Tips) Act comes into play in October 2024). It also boasts real-time reporting on inventory and employee sales to help you stay on top of stock; handy for running a kitchen.\n<p>I&rsquo;m equally impressed by takepayments&rsquo; 16 ecommerce integrations, which are ideal for omnichannel sellers. takepayments can take payments through the phone and its virtual terminal (which is fully protected against fraud thanks to 3D secure authentication). Plus, it accepts multiple currencies, so store owners are able to sell internationally.<\/p>\n<p>I&rsquo;m very aware of how delayed payments can impact SMEs, so it&rsquo;s great to see that takepayments will transfer funds to your bank account within 24 hours. If there are any issues, customers can contact takepayments&rsquo; support team via phone, live chat, or a knowledge base (although email support is not available, which is a rare miss for takepayments).<\/p>\n<h3>takepayments A920 pricing<\/h3>\n<p>takepayments&rsquo; bespoke pricing structure is one of the most generous I&rsquo;ve come across. Based on your annual turnover, takepayments works out bespoke monthly and transaction fees, giving you more power to negotiate your overall costs. Typical charges include:<\/p>\n<ul>\n<li><strong>Card machine price:<\/strong> around &pound;25 + VAT per month for terminal, software, and SIM card<\/li>\n<li><strong>Contract length<\/strong>: 18 months<\/li>\n<li><strong>Account fees:<\/strong> minimum of &pound;20<\/li>\n<li><strong>Transaction fees:<\/strong> between 0.3% to 2.5%<\/li>\n<li><strong>Online transaction fees:<\/strong> 10p (first 400 transactions free)<\/li>\n<li><strong>Setup fee:<\/strong> N\/A<\/li>\n<li><strong>Termination fee:<\/strong> &pound;40 (+ &pound;30 &ldquo;non-use charge&rdquo; for every month remaining)<\/li>\n<\/ul>\n<h3>Who outperforms takepayments A920?<\/h3>\n<p><strong>Square <\/strong>offers a slightly more compact terminal, which might be a more suitable design for kiosks, stalls and food trucks.<\/p>\n<p><strong>Dojo <\/strong>uses the same A920 card reader as takepayments. Some firms may prefer Dojo&rsquo;s shorter 6-month contract, compared to the 18-month minimum for takepayments.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-2-worldpay-best-for-larger-stores-and-restaurants\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>2. Worldpay: Best for larger stores and restaurants<\/h2>\n<p>[\/vc_column_text][vc_column_text]Global merchant provider Worldpay is perhaps the largest &lsquo;traditional&rsquo; payment brand, and a solid choice for larger retailers and restaurants. I don&rsquo;t recommend it to smaller setups as its more expensive processing fees can penalise the sale of low-cost items. However, larger firms wanting a safe, secure machine will find Worldpay a satisfactory fit.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Worldpay\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2022\/11\/worldpay-e1667839241470.png?width=100&height=100&fit=crop\" srcset=\"\" alt=\"\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.7<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Pricing <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.7\" aria-label=\"Rating of this product is 3.7 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.7 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.5\" aria-label=\"Rating of this product is 4.5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 5\" aria-label=\"Rating of this product is 5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.8\" aria-label=\"Rating of this product is 3.8 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.8 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Worldpay Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Fixed fees mean you won't be hit with any surprise bills <\/li>\n <li class=\"pros-cons-item\">\n Worldpay Business Dashboard available for analytics and sales reports (&pound;4.99 per month) <\/li>\n <li class=\"pros-cons-item\">\n Take payments over the phone for &pound;9.95 extra per month <\/li>\n <li class=\"pros-cons-item\">\n Range of card readers and plans to choose from <\/li>\n <li class=\"pros-cons-item\">\n Trusted brand with top-level security and data compliance <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Worldpay Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Poor value transaction fees on low-cost items <\/li>\n <li class=\"pros-cons-item\">\n Customers report slow response time from the Worldpay helpdesk <\/li>\n <li class=\"pros-cons-item\">\n 18-month commitment with subscription <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 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85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the Worldpay mobile card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003; <strong>Busy restaurants or retail stores <\/strong>processing higher value sales<br>\n&#10003; <strong>Small retailers<\/strong> that need to prioritise security for<strong> luxury items<\/strong><br>\n&#10003; <strong>Telesales firms<\/strong> that need to complete <strong>transactions over the phone<\/strong><br>\n&#10003; Businesses taking more than <strong>&pound;1,000 per month in sales<\/strong><\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]<strong><a href=\"https:\/\/startups.co.uk\/payment-processing\/worldpay\/\">Worldpay<\/a><\/strong> offers two card readers: the countertop <strong>Ingenico Desk\/5000<\/strong>, and the mobile <strong>Ingenico Axium DX8000<\/strong>, both of which process payments in 1-3 seconds (2 seconds faster than takepayments). Both come with a range of contracts, rates, and add-ons. For &pound;4.99\/mo, business owners can access reports on sales, settlements, and invoices.\n<p>If I had to pick Worldpay&rsquo;s top benefit it would be speed. Funds are transferred within a rapid 30 minutes, as part of Worldpay&rsquo;s Same Day Funding guarantee. Support channels include phone, live chat, and email, ensuring queries are met with a prompt response.<\/p>\n<p>This haste doesn&rsquo;t sacrifice security, either. Under the Worldpay Merchant Guarantee service, Worldpay will cover loss of funds arising from third party fraud on guaranteed transactions. It also features PCI-compliance for &pound;29.99 per year, compared to takepayments&rsquo; much more costly charge of &pound;15 per month.<\/p>\n<p>Worldpay <em>is<\/em> suitable for online sellers, with many of its 100+ integrations applying to ecommerce firms. Sellers can process transactions via virtual terminal and accept multiple currencies. However, its much more expensive transaction fees of 2.75% means I only recommend Worldpay to those selling big-ticket items, such as luxury goods.<\/p>\n<h3>Worldpay pricing<\/h3>\n<p>Worldpay users pay an astonishing <strong>2.75% + 20p on every transaction<\/strong>. If you&rsquo;re selling products that cost less than &pound;2, you&rsquo;ll lose out on over 10% of every purchase &ndash; putting real pressure on your <a href=\"https:\/\/startups.co.uk\/strategy\/cost-of-goods-sold\/\"><strong>Cost of Goods Sold<\/strong><\/a>. Here&rsquo;s how the Worldpay costs break down:<\/p>\n<ul>\n<li><strong>Contract length<\/strong>: 18 months<\/li>\n<li><strong>Account fees<\/strong>: &pound;9.95 + VAT<\/li>\n<li><strong>Monthly transaction fees:<\/strong> &pound;19.95\/mo + 2.75% (credit cards) and 0.75% (debit card)<\/li>\n<li><strong>Pay as You Go transaction fees:<\/strong> 2.75% + 20p per transaction<\/li>\n<li><strong>Setup fee:<\/strong> none<\/li>\n<li><strong>Termination fee:<\/strong> pay out existing contract<\/li>\n<li><strong>Card machine price:<\/strong> &pound;17.50\/mo<\/li>\n<li><strong>Virtual terminal cost<\/strong>: &pound;9.99\/mo<\/li>\n<li><strong>Minimum monthly service charge:&nbsp;<\/strong>&pound;15<\/li>\n<\/ul>\n<p>If you&rsquo;d prefer a fixed payment plan, there are two available to SMEs:<\/p>\n<ul>\n<li><strong>The fixed<\/strong><strong> monthly plan&nbsp;<\/strong>costs &pound;49.99 per month (inc VAT) with transaction fees of 1%&ndash;2.75%<\/li>\n<li><strong>The custom plan <\/strong>costs just &pound;19 for the card reader, but comes with significantly higher transaction fees<\/li>\n<\/ul>\n<h3>Who outperforms Worldpay?<\/h3>\n<p><strong>Square, SumUp, <\/strong>and <strong>takepayments<\/strong> each boast lower transaction fees on small purchases, making them a better choice for micro-sellers, such as coffee stands.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-3-zettle-by-paypal-best-mobile-card-reader\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>3. Zettle by PayPal: Best mobile card reader<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;158966&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_empty_space height=&rdquo;20px&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>We tested out a Zettle by PayPal card reader at Snow White, a dry cleaners in Shoreditch, London<\/em><\/p>\n<p>[\/vc_column_text][vc_column_text]With ultra-low costs and one of the highest-rated apps around, Zettle by PayPal is a great alternative to traditional processing card readers for innovative and budget-conscious businesses owners. You can learn even more about the features included with the system in our full <a href=\"https:\/\/startups.co.uk\/payment-processing\/izettle-review\/\"><strong>Zettle by Paypal review<\/strong><\/a>.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Zettle\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2018\/04\/15100551\/Zettle-by-PayPal-for-taxi-drivers-Logo-100x100.png?width=100&height=100&fit=crop\" srcset=\"\" alt=\"Zettle by PayPal for taxi drivers Logo\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.6<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.9\" aria-label=\"Rating of this product is 3.9 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.9 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.9\" aria-label=\"Rating of this product is 4.9 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.9 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 5\" aria-label=\"Rating of this product is 5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.5\" aria-label=\"Rating of this product is 4.5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.5 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Zettle Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Compatible with iOS and Android <\/li>\n <li class=\"pros-cons-item\">\n Eight-hour battery life <\/li>\n <li class=\"pros-cons-item\">\n Supports a huge range of payment methods, including Amex and Diners Card <\/li>\n <li class=\"pros-cons-item\">\n Contract free (only pay when you&rsquo;re selling and leave when you wish) <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Zettle Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Must be connected to a phone or tablet <\/li>\n <li class=\"pros-cons-item\">\n Doesn&rsquo;t offer an online store through the app <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#dd3333\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 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10.7864935,4.05859596 Z M93.4369469,5.03977318 C93.5273365,5.03977318 93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the Zettle by PayPal card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003;<strong> Taxi firms<\/strong> and other businesses who may need to issue receipts<br>\n&#10003; <strong>Counter service hospitality businesses<br>\n<\/strong>&#10003; <strong>Full service cafes<\/strong> and <strong>restaurants<\/strong> (with Zettle hospitality software)<\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]Thanks to Zettle&rsquo;s recognisable parent company, PayPal, the brand boasts a huge number of high-profile integrations with big-name software including Quickbooks and Xero. Small businesses can use Zettle with third-party hardware <span style=\"font-weight: 400\">&ndash;<\/span> including receipt printers, cash drawers, and barcode scanners <span style=\"font-weight: 400\">&ndash;<\/span> as part of a complete POS system.\n<p>Alternatively, you can sync the Zettle Go app to your smartphone or tablet if you need to take card payments on the go. I recommend that its excellent 3G and 4G connectivity would be brilliantly-suited to taxi firms. It can also print receipts manually or automatically, which is now a <a href=\"https:\/\/tfl.gov.uk\/info-for\/media\/press-releases\/2005\/january\/comprehensive-receipt-machines-for-londons-taxis\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Transport For London<\/strong><\/a> requirement.<\/p>\n<p>Business owners won&rsquo;t need to worry about taking added security measures because all sensitive credit card information is handled on Zettle&rsquo;s secure, PCI-compliant servers, at no additional cost to the merchant. Plus, Zettle promises transaction protection of up to &pound;250 in eligible chargebacks per month.<\/p>\n<p>Now, the bad bits. Zettle takes a very long time to process payments (1-2 working days). It also doesn&rsquo;t have as many reporting functions as more specialist providers like Worldpay or takepayments. Users can track staff hours and view inventory from the app, but cannot monitor customisable data (such as product categories) or make real-time stock checks.<\/p>\n<h3>Zettle by PayPal pricing<\/h3>\n<p>Because Zettle does not demand any fixed monthly fees, you&rsquo;re free to leave the contract at any time (a clear advantage compared to brands like takepayments, which force business owners into a minimum 18-month long contract. Other charges include:<\/p>\n<ul>\n<li><strong>Contract length:&nbsp;<\/strong>N\/A<\/li>\n<li><strong>Transaction fees<\/strong>: 1.75%<\/li>\n<li><strong>Online transaction fees: <\/strong>2.5% for payment links and invoices<\/li>\n<li><strong>Card machine price<\/strong>: &pound;29 + VAT<\/li>\n<li><strong>Setup fees:&nbsp;<\/strong>N\/A<\/li>\n<li><strong>Termination fees:&nbsp;<\/strong>N\/A<\/li>\n<\/ul>\n<p>Zettle&rsquo;s device costs the same as the SumUp Air card reader. However, its transaction fees are a tad more expensive (1.75% vs. 1.69%). Learn more in our guide to <a href=\"https:\/\/startups.co.uk\/payment-processing\/sumup-vs-zettle\/\"><strong>SumUp vs. Zettle<\/strong><\/a>.<\/p>\n<h3>Who outperforms Zettle?<\/h3>\n<p>While Zettle&rsquo;s parent company, PayPal is a payment gateway, <strong>Square<\/strong> is a fully-formed POS system that integrates with the Square website builder, which makes it the better choice for ecommerce sales.[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 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The Rugged Bunch <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>&ldquo;I find Zettle easy to use and straightforward. It has everything we need. I love that it is small and easily transportable so that customers can pay at their tables. The software is also really easy to use, and accessible for my customers. I haven&rsquo;t considered switching to a different device and don&rsquo;t plan to any time soon.<\/p>\n<p>&ldquo;That said, to make it even more customer-centric, and like the Square card machine, the Zettle could have a larger display screen. Some of my customers also prefer buttons to input their data rather than a touchscreen. Another sore point is battery. If the machine is new, it will last for days, but I have had this for three years and it now only lasts about one hour when charged fully.&rdquo;<\/p>\n<p>&ndash; <em>Frederico, the owner of Rugged Brunch, a cafe in North London<\/em><\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-4-tyl-by-natwest-best-for-fast-payment-processing\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>4. Tyl by Natwest: Best for Fast Payment Processing<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;157612&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_empty_space height=&rdquo;20px&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>The Tyl by Natwest card machine<\/em><\/p>\n<p>[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Tyl (By Natwest)\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2022\/03\/tyl-e1669202436186.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"tyl by natwest\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.6<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.8\" aria-label=\"Rating of this product is 4.8 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.8 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.5\" aria-label=\"Rating of this product is 3.5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.2\" aria-label=\"Rating of this product is 4.2 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.2 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.4\" aria-label=\"Rating of this product is 3.4 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.4 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n[vc_column_text]Card machines exclusively take card payments, whereas a POS (Point of Sale) system also includes other functions, such as inventory management and sales tracking. Tyl by Natwest&rsquo;s card reader is a hassle-free solution that does both; allowing users to take payments and manage their business from the Tyl portal.[\/vc_column_text] <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Tyl Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Flexible monthly contract for device <\/li>\n <li class=\"pros-cons-item\">\n Payments settled in one working day <\/li>\n <li class=\"pros-cons-item\">\n All-in-one POS system <\/li>\n <li class=\"pros-cons-item\">\n Decent eight-hour battery life <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Tyl Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Very expensive transaction fees <\/li>\n <li class=\"pros-cons-item\">\n Not the most affordable option for small businesses <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div 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class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003;<strong> SMEs<\/strong> with lots of<strong> freelancer staff<\/strong><br>\n&#10003; <strong>Retailers trading big-ticket items<\/strong>, such as antique dealers<\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]Tyl has multiple card readers available for small business users, but our top-recommended option is its all-in-one POS device (the Clover Flex). This reader features a 5.99-inch glass touchscreen, and it can take payments from every major debit card, credit card, and digital wallet (such as Apple Pay).\n<p>Alongside a decent battery with around 8 hours of charge, Tyl&rsquo;s all-in-one POS is also fully PCI-compliant, <em>and&nbsp;<\/em>as an added security bonus, you&rsquo;ll be able to carry out a card check instantly from the machine, bringing extra reassurance to entrepreneurs.<\/p>\n<p>But the key reason to choose Tyl is that it offers access to the Tyl Portal, a management platform that lets you see all the most important information about your business, including sales tracking, average purchase value, and even when your busiest selling period is; all of which is crucial to inform sales and marketing strategies.<\/p>\n<p>There are some drawbacks to Tyl that I think are worth being aware of. Namely, cost. At &pound;16.99 per month, its card machine prices are considerably more expensive than SumUp&rsquo;s or Square&rsquo;s, while its transaction fees can get as high as 1.99% + 5p. Companies taking home over &pound;50,000 per year will also need to argue for a better, bespoke quote.<\/p>\n<p>Email support is not available (only phone and live chat) and Tyl also only integrates with four accounting tools. However, the Tyl Portal will carry out most of the functions required from third-party apps, which should soften the blow for business owners.<\/p>\n<h3>Tyl by Natwest pricing<\/h3>\n<ul>\n<li><strong>Contract length:&nbsp;<\/strong>minimum 12 months<\/li>\n<li><strong>Transaction fees&nbsp;<\/strong>(for businesses with <strong>under<\/strong> &pound;50,000 turnover)<br>\n&ndash; 1.39% + 5p per transaction (UK & Europe cards)<br>\n&ndash; 1.99% + 5p per transaction (other cards)<\/li>\n<li><strong>Card machine prices per month<\/strong>:\n<ul>\n<li><strong>All-In-One POS<\/strong>: &pound;14.99 Wifi, &pound;16.99 4G<\/li>\n<li><strong>Portable<\/strong>: &pound;19.99 Wifi, &pound;21.99 4G<\/li>\n<li><strong>Countertop<\/strong>: &pound;13.99<\/li>\n<li><strong>Pocket<\/strong>: &pound;6.99\/mo,&nbsp;&pound;75.99 buy outright<\/li>\n<\/ul>\n<\/li>\n<li><strong>Setup fees:&nbsp;<\/strong>N\/A<\/li>\n<li><strong>Termination fees:&nbsp;<\/strong>Yes<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3>How does Tyl by Natwest compare with its rivals?<\/h3>\n<p><strong>SumUp Air<\/strong> and <strong>Square <\/strong>are both much more affordable card machines for budget-conscious business owners.<\/p>\n<p><strong>Worldpay<\/strong>&lsquo;s hardware&nbsp;includes buttons, which some customers might prefer to the futuristic style of Tyl&rsquo;s touch screen machine.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-5-square-best-for-pop-ups-kiosks-and-stands\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>5. Square: Best market stalls, pop-ups and kiosks<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;158965&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_empty_space height=&rdquo;20px&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>We tested out a Square card machine at Got That Crystal Healing, a shop in Shoreditch, London<\/em><\/p>\n<p>Despite being a financial services platform, Square&rsquo;s standout feature is its smartly-designed, 8cm x 8cm card reader that set a new standard for the sector when it was first revealed in 2009. Though it pairs with your phone, and is barely any bigger, <a href=\"https:\/\/startups.co.uk\/payment-processing\/square-card-reader\/\"><strong>Square&rsquo;s card reader<\/strong><\/a> is a high-spec device that links to your phone or tablet for the ultimate sleek design.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Square\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2021\/04\/square-online-logo-su.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"square-online-logo-su\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.3<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.3\" aria-label=\"Rating of this product is 3.3 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.3 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.6\" aria-label=\"Rating of this product is 4.6 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.6 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 5\" aria-label=\"Rating of this product is 5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4\" aria-label=\"Rating of this product is 4 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Square Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Free Square point of sale app on the App Store or Google Play <\/li>\n <li class=\"pros-cons-item\">\n Instant deposit option available for 1% fee <\/li>\n <li class=\"pros-cons-item\">\n Real-time updates on items sold - great for inventory tracking <\/li>\n <li class=\"pros-cons-item\">\n Works alongside multi-functional and very expandable Square POS hardware <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Square Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Can't print physical receipts - only email or SMS permitted. <\/li>\n <li class=\"pros-cons-item\">\n Funds can take 1-2 business days to process (similar to Zettle) <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#dd3333\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 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85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the Square card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>&#10003;&nbsp;<strong>Coffee stands, kiosks, pop-up shops, food trucks<\/strong> that don&rsquo;t need a full till, and want simple, card-only payments<br>\n&#10003; <strong>Small businesses<\/strong> with low card sales volumes &ndash; for example, service providers selling products on-the-side<br>\n&#10003; <strong>Dropshipping firms<\/strong> that need to keep an eye on inventory<\/p>\n <\/div>\n <\/div>\n[vc_column_text]If you <strong>run a coffee stand, pop-up shop, food truck<\/strong> or <strong>market stall<\/strong>, or if you take on-the-spot payments from customers &ndash; as a personal trainer or masseuse, for example &ndash; then you&rsquo;re going to want to get one of these little devices, too.\n<p>It may be small, but Square applies the highest security standards to its reader. All sensitive credit card information is handled on Square&rsquo;s secure, PCI-compliant servers, and non-encrypted payment data won&rsquo;t ever be saved on your business&rsquo; hardware or software. Square&rsquo;s advanced AI software can also monitor current fraud trends.<\/p>\n<p>Based on our in-depth research, I recommend Square to small business owners who are wanting to keep costs low without missing out on good features. There are countless integrations available: Square offers everything from ecommerce integrations through to accounting software and invoicing software integrations, plus delivery apps and CRM systems.<\/p>\n<p>If you&rsquo;re looking for a comprehensive payment solution, you may want to <a class=\"js-aw-brand-link\" href=\"https:\/\/startups.co.uk\/go\/Square-Ecom-CardPricing\" target=\"_blank\" rel=\"nofollow sponsored noopener\" data-feed=\"XAjGJE3xvVYPesZUfw5TvfCMUovDyKTk\" data-cta-type=\"inline-link\"><strong>check out the Square Terminal<\/strong><\/a>, which also allows you to manage items and print receipts from one device. It also offers sophisticated inventory and team management features, meaning this tiny card reader is still suitable for larger teams of five people or more.<\/p>\n<h3>Square pricing<\/h3>\n<div>\n<ul>\n<li><strong>Contract length:&nbsp;<\/strong>no contracts (pay as you go)<\/li>\n<li><strong>Card machine prices<br>\n<\/strong>&ndash; Reader: &pound;19 + VAT<br>\n&ndash; Terminal: &pound;149 + VAT<br>\n&ndash; Stand (fits an iPad): &pound;99 + VAT or &pound;17\/mo for 6 months<\/li>\n<li><strong>Transaction fees<br>\n<\/strong>&ndash; 1.75% in person transaction fee<br>\n&ndash; 1.4% + 25p for UK card transactions<br>\n&ndash; 2.5% + 25p for non-UK card transactions<br>\n&ndash; 2.5% Keyed-in transactions<\/li>\n<li><strong>Setup fees: <\/strong>none<\/li>\n<li><strong>Termination fees:&nbsp;<\/strong>none<\/li>\n<\/ul>\n<\/div>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3>Who outperforms Square?<\/h3>\n<p>Square&rsquo;s stripped back approach means it is lacking in some areas. Those who need traditional, customer-led functions <span style=\"font-weight: 400\">&ndash;<\/span> like the ability to print receipts <span style=\"font-weight: 400\">&ndash; <\/span>may want a docked machine like <strong>Worldpay&rsquo;s<\/strong>. Square&rsquo;s fee structure may also not be as appealing for larger restaurants and stores, who may prefer to look to Worldpay for an alternative.[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 C76.0825561,5.72144832 73.5963485,5.64708111 71.271284,5.73632176 C69.3605874,5.81068898 67.5649931,5.76606865 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86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Startups interviews... Scoobys Coffee <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>&ldquo;Square is ideal for my setup because I have a limited amount of space. It was also simple to setup and cheap to buy. Plus, the money goes into my account the next day. My customers seem happy with it. One charge will last for three days. I charge it every night and it never drops below four bars.<\/p>\n<p>&ldquo;The biggest problem is the signal. Square randomly disconnects every hour and a payment won&rsquo;t go through. I have to wait a minute for it to connect back up again.&rdquo;<\/p>\n<p><em>&ndash; Anthony, owner of Scoobys Coffee who uses the <a href=\"https:\/\/startups.co.uk\/websites\/ecommerce\/square-online-review\/\"><strong>Square POS card reader<\/strong><\/a>.<\/em><\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-6-sumup-air-cheap-transaction-fees-for-small-stores\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>6. SumUp Air: Cheap transaction fees for stalls, small stores and stands<\/h2>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;158964&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_empty_space height=&rdquo;20px&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>We observed a SumUp card reader taking payments at Jerry&rsquo;s, a food and drink kiosk in London<\/em><\/p>\n<p>[\/vc_column_text][vc_column_text]Global finance company SumUp has made it its company mission to service the smallest UK businesses. Naturally, SumUp Air is a great mobile card reader for micro operations, such as market stalls, or on-the-go businesses &ndash; for example, if you do home visits to customers and take payments on the spot &ndash; such as freelance hairdressing.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Sumup\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2021\/05\/sumup-logo.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"Sumup Logo\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.1<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.7\" aria-label=\"Rating of this product is 3.7 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.7 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.9\" aria-label=\"Rating of this product is 3.9 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.9 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.2\" aria-label=\"Rating of this product is 3.2 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.2 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.7\" aria-label=\"Rating of this product is 4.7 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.7 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n SumUp Air Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Standalone device with its own 3G connection <\/li>\n <li class=\"pros-cons-item\">\n Can set up an online store using SumUp app <\/li>\n <li class=\"pros-cons-item\">\n Includes decent analytics platform to help grow your business <\/li>\n <li class=\"pros-cons-item\">\n Contract free (leave when you wish and only pay when you make a sale) <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n SumUp Air Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Reporting is simple compared to other providers <\/li>\n <li class=\"pros-cons-item\">\n No hospitality-specific features <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#dd3333\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 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85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the SumUp Air card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003;<strong> Very small retail pop-ups<\/strong> and <strong>market stalls<\/strong><br>\n&#10003; <strong>Counter service cafes<\/strong> and <strong>pop-up food stalls<\/strong><br>\n&#10003; Businesses taking<strong> less than &pound;1,000 per month in sales<\/strong><\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]It&rsquo;s easy to get started with SumUp Air. Users can simply go onto the brand&rsquo;s website, complete an online sign-up form, then wait 2-3 working days to receive the reader via post (although SumUp will complete a credit check to make sure you are who you say you are).\n<p>The SumUp Air has an ideal, compact design. It also has a long-lasting battery life: it&rsquo;s able to make 500 transactions on one charge. You won&rsquo;t want your payment device conking out in the middle of a busy lunch trade, so this is a nice bit of reassurance.<\/p>\n<p>Core payment features are not a problem for SumUp. You&rsquo;ll be able to invoice clients, and produce transaction reports. Plus, all payment history is stored in SumUp&rsquo;s secure, PCI-compliant servers, at no additional cost to your business. However, I must stress that customer support is not available through live chat &ndash; only over the phone or by email.<\/p>\n<p>In fact, I would say don&rsquo;t expect any bells and whistles at this price point. There&rsquo;s only 11 integrations available (mainly with accounting software like QuickBooks), and you&rsquo;re unable to print receipts using just SumUp Air alone. If that&rsquo;s something you do need, I recommend you spend a little more on the <strong>SumUp 3G and Printer<\/strong> combo (pricing below).<\/p>\n<h3>SumUp pricing<\/h3>\n<ul>\n<li><strong>Contract length:&nbsp;<\/strong>N\/A<\/li>\n<li><strong>Transaction fees:<br>\n<\/strong>&ndash; 1.69% for cards<br>\n&ndash; 2.5% for Invoices, Online Store, and Payment Links<\/li>\n<li><strong>Card machine prices:<br>\n<\/strong>&ndash; <strong>Air<\/strong>: From &pound;29<br>\n&ndash; <strong>Solo<\/strong>: From &pound;79<br>\n&ndash; <strong>3G and Printe<\/strong>r: From &pound;129<\/li>\n<li><strong>Setup fees:&nbsp;<\/strong>N\/A<\/li>\n<li><strong>Termination fees:&nbsp;<\/strong>N\/A<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h3>Who outperforms SumUp?<\/h3>\n<p><strong>Square<\/strong>&lsquo;s cheapest card reader is less expensive than the SumUp Air. Unlike SumUp, it also has an excellent tie-in with ecommerce through Square Online, which could be a dealbreaker if you sell online.<\/p>\n<p>That said, here&rsquo;s a reason to love SumUp Air: the card reader is a one-off purchase, while <strong>Tyl by Natwest<\/strong>&lsquo;s reader costs &pound;14.95 per month + VAT (although the trade-off is that SumUp does lack some sophisticated sales tools).[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 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M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Startups interviews... Jerry's <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>&ldquo;I&rsquo;ve used SumUp for the last eight months and I&rsquo;m very happy with it. Issues with the service are quite rare. But when they do occur, there&rsquo;s good communication and issues were dealt with quickly without much interruption to the service. It&rsquo;s not too difficult to talk to a human being either, which is quite nice.&rdquo;<\/p>\n<p>&ndash;&nbsp;<em>Jerry, owner of Jerry&rsquo;s, a food stall based in Angel, north London.<\/em><\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-7-dojo-best-for-flexibility\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>7. Dojo: Best for Flexibility<\/h2>\n<div class=\"mceTemp\"><\/div>\n<p>[\/vc_column_text][vc_single_image image=&rdquo;157622&Prime; img_size=&rdquo;full&rdquo; alignment=&rdquo;center&rdquo;][vc_empty_space height=&rdquo;20px&rdquo;][vc_column_text]<\/p>\n<p style=\"text-align: center\"><em>We tested out a Dojo card machine at Malek&rsquo;s Jewels, a jewellery stall based in London<\/em><\/p>\n<p>[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Dojo\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2022\/03\/Dojo.png?width=100&height=100&fit=crop\" srcset=\"\" alt=\"Dojo\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">4.0<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.5\" aria-label=\"Rating of this product is 3.5 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.5 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.1\" aria-label=\"Rating of this product is 3.1 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.1 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.8\" aria-label=\"Rating of this product is 3.8 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.8 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 4.2\" aria-label=\"Rating of this product is 4.2 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 4.2 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n[vc_column_text]Dojo is a payment provider that specialises in getting small business up and running quickly. Its signup incentives are impressive, as are its flexible contracts. However, Dojo&rsquo;s focus on ease-of-use means it is short of the more sophisticated features that some SMEs might need.[\/vc_column_text] <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n Dojo Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Startups enter a six-month contract - half the length of the industry norm <\/li>\n <li class=\"pros-cons-item\">\n 10 hour battery life, on average <\/li>\n <li class=\"pros-cons-item\">\n Transactions settle by 10am the next working day <\/li>\n <li class=\"pros-cons-item\">\n Businesses coming from rival merchants get a monthly, rolling subscription <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n Dojo Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n 3.85p authorisation charge on all transactions <\/li>\n <li class=\"pros-cons-item\">\n Minimum monthly service charge can reach &pound;40 <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 C76.0825561,5.72144832 73.5963485,5.64708111 71.271284,5.73632176 C69.3605874,5.81068898 67.5649931,5.76606865 65.7003374,5.76606865 C62.4084144,5.76606865 59.0934709,5.79581553 55.7785275,5.79581553 C55.6864457,5.79581553 55.5483231,5.79581553 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class=\"highlight-box-title\">\n Who should choose the Dojo card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003; <strong>Established firms<\/strong> with a steady flow of clients, such as wholesalers<br>\n&#10003; <strong>Sole traders<\/strong> requiring <strong>next-day payouts<\/strong><\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]\n<h3>Who should choose the Dojo card reader?<\/h3>\n<p>Dojo is very keen to win over small business owners. Amazingly, the company even offers to pay up to &pound;3,000 of your exit fees from your previous contract to encourage you to sign up. That said, it will undergo credit checks to ensure your business is what you claim.<\/p>\n<p>Dojo&rsquo;s mid-range price and flexible contract approach make it ideal for SMEs who want a merchant provider with little commitment. Dojo allows SMEs that are swapping from a rival provider to enter a monthly, rolling contract, so you can leave at any time (and, you can take your money almost immediately, thanks to Dojo&rsquo;s 24-hour fund processing time).<\/p>\n<p>Practically speaking, Dojo&rsquo;s Oracle stack is protected from fraud with embedded security checks and authorisation mechanisms. Your PCI compliance is reduced to just two documents and two questions. Once you&rsquo;ve read and understood the documents, you can become compliant from your Dojo account online or via the app.<\/p>\n<p>That said, I&rsquo;d caution side hustlers against choosing Dojo. High rental costs and minimum service fees mean you could be spending a <em>lot<\/em> on a contract without any money coming in. Plus, if you need integrations with DIY accounting software (as sole traders often do), you should be aware that Dojo has few reporting features and only integrates with Quickbooks.[\/vc_column_text][vc_column_text]<\/p>\n<h3>Dojo pricing<\/h3>\n<ul>\n<li><strong>Card machine price<\/strong>: &pound;20 + VAT\/mo<\/li>\n<li><strong>Contract length<\/strong>: 6 months<\/li>\n<li><strong>Account fees<\/strong>: Minimum &pound;24.95<\/li>\n<li><strong>Transaction fees<\/strong>: 1.4% Credit & debit card rate<\/li>\n<li><strong>Setup fee<\/strong>: None<\/li>\n<li><strong>Minimum service fee:<\/strong> &pound;20 to &pound;40<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3>Who outperforms Dojo?<\/h3>\n<p>Dojo&rsquo;s reader uses the exact same hardware as the <strong>takepayments A920<\/strong>. I found the takepayments software to be a little more user friendly, and takepayments has a money-back guarantee, too. But, you may prefer the upfrontness of Dojo&rsquo;s pricing structure, versus takepayments&rsquo; insistence on tailoring prices to each client&rsquo;s need.[\/vc_column_text]\n <\/p><div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#000000\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 84.9914666,5.67682799 C82.8275451,5.66195455 80.6866442,5.63220767 78.4997023,5.67682799 C76.0825561,5.72144832 73.5963485,5.64708111 71.271284,5.73632176 C69.3605874,5.81068898 67.5649931,5.76606865 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86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Startups interviews... Burrito <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p>&ldquo;It&rsquo;s great, there have been no problems at all. I was with Lloyd&rsquo;s before and it&rsquo;s contracted, so I had to carry on a three or four-year contract, and sometimes you just don&rsquo;t want that. Payments are also super quick. With Dojo, on weekdays, weekends, or whatever it is, you get your payments the next day. By 10:30am usually, the money is in your account.&rdquo;<\/p>\n<p>&ndash;&nbsp;<em>owner of Burrito, a food truck based in north London<\/em><\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-8-smartpay-anywhere-by-barclaycard-best-for-barclays-business-bank-account-holders\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>8. SmartPay Anywhere (by Barclaycard): Best for Barclays business bank account holders<\/h2>\n<p>Already have a Barclays business bank account? Then this is the card reader for you. With a seamless integration for Barclays business customers, it will be an easy device to get up and running with &ndash; although setup might be complicated by Barclay&rsquo;s poorly-rated helpdesk.[\/vc_column_text] <\/p><div class=\"scorecard scorecard-medium\" data-eventcategory=\"md-scorecard\" data-component=\"medium-scorecard\" data-supplier=\"Barclays\">\n <div class=\"scorecard-element scorecard-medium-element without-button\">\n <div class=\"scorecard-medium-wrap\">\n <div class=\"scorecard-medium-info\">\n <div class=\"scorecard-medium-logo\">\n <img decoding=\"async\" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2021\/07\/barclays-anywhere-logo.jpg?width=100&height=100&fit=crop\" srcset=\"\" alt=\"Barclays Anywhere Logo\" width=\"100\" height=\"100\" data-caption=\"\" class=\"flexi-comp-img\" loading=\"lazy\" sizes=\"\"> <\/div>\n <div class=\"rating-basic\"><span class=\"rating-basic-current\">3.2<\/span> <span>out of 5<\/span><\/div>\n <\/div>\n <ul class=\"scorecard-medium-rating\">\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Price <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 2.3\" aria-label=\"Rating of this product is 2.3 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 2.3 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Features <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 3.6\" aria-label=\"Rating of this product is 3.6 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 3.6 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer Support <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 2.3\" aria-label=\"Rating of this product is 2.3 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 2.3 <\/span>\n <\/div>\n <\/li>\n <li class=\"scorecard-rating-item\">\n <span class=\"scorecard-rating-name\">\n Customer score <\/span>\n <div class=\"scorecard-rating\">\n <div class=\"rating-stars\" style=\"--rating: 1.3\" aria-label=\"Rating of this product is 1.3 out of 5.\"><\/div>\n <span class=\"rating-number\">\n 1.3 <\/span>\n <\/div>\n <\/li>\n <\/ul>\n \n <\/div>\n\n \n <\/div>\n <\/div>\n <div class=\"pros-cons\">\n <div class=\"pros\">\n <span class=\"pros-cons-title\">\n SmartPay Anywhere Pros <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Low transaction fees - good for firms making lots of small sales <\/li>\n <li class=\"pros-cons-item\">\n Get set up in just 15 minutes via the Smartpay Anywhere online form <\/li>\n <li class=\"pros-cons-item\">\n Sleep mode for saving battery power <\/li>\n <li class=\"pros-cons-item\">\n Same-day deposits into your business account <\/li>\n <\/ul>\n <\/div>\n\n \n <div class=\"cons\">\n <span class=\"pros-cons-title\">\n SmartPay Anywhere Cons <\/span>\n\n <ul class=\"pros-cons-list\">\n <li class=\"pros-cons-item\">\n Accompanying software is very basic and somewhat outdated <\/li>\n <li class=\"pros-cons-item\">\n Mobile app is known to glitch <\/li>\n <li class=\"pros-cons-item\">\n Very limited customer support options (no live chat or email) <\/li>\n <\/ul>\n <\/div>\n\n <\/div>\n\n\n <div class=\"highlight-box\">\n <div class=\"highlight-box-decor\">\n <svg class=\"brush-stroke-svg brush-stroke-big\" preserveaspectratio=\"none\" viewbox=\"0 0 116 6\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\">\n <g stroke=\"none\" stroke-width=\"1\" fill=\"#ea0037\">\n <path d=\"M94.0845406,5.55784045 C93.4629887,5.58758734 92.7723755,5.58758734 92.2198849,5.64708111 C92.0127009,5.66195455 91.7824965,5.67682799 91.5062512,5.66195455 C89.5955547,5.58758734 87.6618377,5.5727139 85.7511411,5.67682799 C85.5669776,5.69170144 85.2446914,5.67682799 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C60.0337662,5.05535139 60.5761039,5.05535139 61.2992208,4.99715582 C60.5761039,4.9777573 60.0638961,4.95835878 59.2202597,5.01655435 Z M97.3194805,4.04095243 C97.0181818,4.00215539 96.6566234,4.00215539 96.3553247,4.00215539 C96.0238961,4.00215539 95.5418182,3.98275687 95.5116883,4.06035096 C96.0841558,4.099148 96.6264935,4.07974948 97.3194805,4.04095243 Z M97.0040743,4.04074932 C96.9438145,4.00195228 96.7027756,4.00195228 96.4014769,4.00195228 C96.130308,4.00195228 95.8290093,4.0213508 95.8290093,4.04074932 C95.7988795,4.07954636 96.130308,4.07954636 96.4014769,4.07954636 C96.6726457,4.07954636 96.9438145,4.07954636 97.0040743,4.04074932 Z M97.843095,5.03977318 C98.1745236,5.03977318 98.5059521,5.02037466 98.4155625,5.00097614 C98.3854327,4.98157762 98.1142638,4.98157762 97.9334846,4.98157762 C97.6623158,4.98157762 97.3610171,4.98157762 97.4212768,5.02037466 C97.4815366,5.02037466 97.7527054,5.02037466 97.843095,5.03977318 Z M10.7864935,4.05859596 C11.7205195,4.05859596 12.3231169,4.07799448 13.3174026,4.01979892 C12.3231169,4.03919744 11.7205195,4.0004004 10.7864935,4.05859596 Z M93.4369469,5.03977318 C93.5273365,5.03977318 93.7081157,5.02037466 93.7081157,5.02037466 C93.7382456,5.00097614 93.5574663,4.98157762 93.3766871,4.98157762 C93.2862975,4.98157762 93.1055183,5.00097614 93.1055183,5.00097614 C93.0452585,5.03977318 93.2260378,5.03977318 93.4369469,5.03977318 Z M64.6758363,6 C64.7963558,6 64.977135,6 65.0072649,6 C65.1579143,5.98060148 64.977135,5.96120296 64.7963558,5.96120296 C64.7059662,5.96120296 64.5854467,5.96120296 64.4950571,5.98060148 C64.5553169,5.98060148 64.6155766,5.98060148 64.6758363,6 Z M90.6789362,4.03643854 C90.5885466,4.03643854 90.4680271,4.01704002 90.3776375,4.01704002 C90.1365986,4.01704002 90.0160791,4.03643854 90.1667284,4.05583706 C90.2269882,4.05583706 90.4077674,4.07523558 90.498157,4.05583706 C90.5885466,4.07523558 90.6186765,4.05583706 90.6789362,4.03643854 Z M86.2696559,4.0213508 C86.0888766,4.0213508 85.9080974,4.0213508 85.7273182,4.0213508 C85.546539,4.0213508 85.4260195,4.04074932 85.4862792,4.04074932 C85.6369286,4.04074932 85.8478377,4.06014784 86.0286169,4.06014784 C86.1792662,4.06014784 86.2696559,4.04074932 86.2696559,4.0213508 Z\"><\/path>\n <\/g>\n <\/svg>\n <\/div>\n <div class=\"highlight-box-headline\">\n \n <span class=\"highlight-box-title\">\n Who should choose the SmartPay Anywhere card reader? <\/span>\n <\/div>\n \n <div class=\"highlight-box-content\">\n <p><\/p>\n<p style=\"text-align: left\">&#10003; <strong>Small businesses<\/strong> that need a steady cash flow, for example if you pay staff weekly<br>\n&#10003; Barclays<strong> business account holders<\/strong><br>\n&#10003; <strong>Brick-and-mortar businesses<\/strong> that don&rsquo;t need ecommerce integrations<\/p>\n<p><\/p>\n <\/div>\n <\/div>\n[vc_column_text]The reader itself is something of a competitor to the Square and SumUp devices. It accepts credit and debit card payments through the mobile connection of your smartphone or tablet. That means it&rsquo;s a good choice for businesses that are based out and about &ndash; food trucks, stalls, and travelling workers who need to process payments.\n<p>Smartpay ticks a lot of boxes for businesses. Its fund transfers are same-day, before 7pm. Tick. It can be used to make sales over the phone, and has a virtual terminal. Tick. For fraud prevention it has 3D secure authentication, along with IP address, AVS, and CV2 checks. Tick, tick, tick, and tick.<\/p>\n<p>It may look like a limited little reader, but the SmartPay Anywhere also syncs with an app that can provide sales reporting, inventory, and supplier management features; three core integrations that will certainly be helpful for bookkeeping, for those with a Barclays business bank account.<\/p>\n<p>However, those without a Barclays account might be better off looking elsewhere for a brand that can offer more, for a lower cost. Smartpay charges a minimum of &pound;4.80 per month for data security features, or &pound;15 a month for more advanced Proactive Security Services (PSS).<\/p>\n<p>I have also heard from multiple customers that Smartpay onboarding is complicated by a lack of support. You&rsquo;ll only be able to get help over the phone, not by email or live chat, which is a big disadvantage when you&rsquo;re dealing with something as important as company profits. Plus, Barclaycard charges a &pound;60 setup fee.[\/vc_column_text][vc_column_text]<\/p>\n<h3>SmartPay Anywhere pricing<\/h3>\n<p>At 1.6%, the SmartPay Anywhere card reader offers one of the lowest transaction rates of the top providers we tested, but your compromises are that the card reader only accepts Visa and Mastercard, and refunds cost 75p to process.<\/p>\n<ul>\n<li><strong>Contract length: <\/strong>minimum 12 months<\/li>\n<li><strong>Card machine price<\/strong>: &pound;29 + VAT<\/li>\n<li><strong>Transaction fees:<\/strong> 1.6%<\/li>\n<li><strong>Setup fee<\/strong>: &pound;60 (or up to &pound;150 for the &ldquo;growing&rdquo; plan)<\/li>\n<li><strong>Termination fee<\/strong>: pay out existing contract (plus 30-day written notice to Barclays)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h3>Who outperforms SmartPay Anywhere?<\/h3>\n<p>Like&nbsp;<strong>Square,<\/strong> Barclaycard&rsquo;s device comes with low up-front hardware costs. However, its integrations are lacking and it doesn&rsquo;t have the brilliant ecommerce tie-in that Square does with its Square Online store.<\/p>\n<p>SmartPay Anywhere&rsquo;s expensive setup costs are also decidedly ungenerous compared to <strong>Zettle, Square,&nbsp;<\/strong>and&nbsp;<strong>SumUp,&nbsp;<\/strong>all of which charge zero setup and onboarding fees.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space]<\/p><div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-our-methodology\"><\/div>\n<\/div>\n<h2>How we test card processing products and merchant services for small businesses<\/h2>\n<p>We tested <strong>11 merchant account products and services <\/strong> to evaluate them in terms of functionality, usability, price, compliance, and more so we can make the most useful recommendations to small UK-based businesses.<\/p>\n<p>Our rigorous testing process means these products have been scored and rated in <strong>six main categories of investigation<\/strong> and <strong>25 subcategories<\/strong> &ndash; in fact, we covered <strong>36 areas of investigation in total<\/strong>. We then gave each category score a &lsquo;relevance weighting' to ensure the product's final score perfectly reflects the needs of our Startups.co.uk readers.<\/p>\n<h3>Our main testing categories for merchant account products and services are:<\/h3>\n<p><strong>Compliance:<\/strong> the adherence of the merchant account product to relevant regulations and standards, such as data security, anti-fraud measures, and legal requirements.<\/p>\n<p><strong>Customer Support:<\/strong> the assistance and resources provided by the merchant account provider to users in resolving issues, answering questions, and providing guidance.<\/p>\n<p><strong>Customer Score:<\/strong> external customer opinion; the feedback and ratings given by customers who have used a particular merchant account. Also, the market position and reputation a merchant account holds.<\/p>\n<p><strong>Features:<\/strong> the functionalities and capabilities provided by the merchant account product, including online payment processing and payment gateway integration.<\/p>\n<p><strong>Taking Payments:<\/strong> the process and options available for accepting payments through the merchant account product.<\/p>\n<p><strong>Price:<\/strong> the cost associated with using the merchant account product, such as transaction fees, setup fees, monthly fees, and any additional charges.<\/p>\n<p><strong>The Startups product testing process<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-155032 \" src=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test.png\" alt=\"The Startups product testing process diagram\" width=\"700\" height=\"345\" srcset=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test.png 2825w, https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test-480x237.png 480w, https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test-640x315.png 640w, https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test-768x378.png 768w, https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test-1536x757.png 1536w, https:\/\/images.startups.co.uk\/wp-content\/uploads\/2023\/07\/Product-Testing_SU-Test-2048x1009.png 2048w\" sizes=\"(max-width: 700px) 100vw, 700px\"><\/p>\n[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"jumplink-anchor-section\">\n <div class=\"jumplink-anchor-pointer\" id=\"link-verdict\"><\/div>\n<\/div>\n[vc_column_text]\n<h2>Verdict<\/h2>\n<p>If you own a small business that&rsquo;s just getting off the ground,<strong> takepayments <\/strong>should be the ideal first card reader. Its fees are reasonable and in line with the functional capabilities of the accompanying software.<\/p>\n<p>takepayments offers shorter contracts than most (12 months) and there are no joining or leaving fees, making it perfect for brand-new business needing a zero-risk, short-term commitment.<\/p>\n<p>For fast-growing businesses, a <strong>Square card reader<\/strong> or <strong>Worldpay card reader <\/strong>are two options that really stand out from the competition in terms of value for money. To compare Square and Zettle by PayPal side by side, read our <strong><a href=\"https:\/\/startups.co.uk\/payment-processing\/izettle-vs-square\/\"><u>Square vs Zettle review<\/u><\/a><\/strong>.[\/vc_column_text]<\/p><div class=\"jumplinks-content\">\n <h3 class=\"jumplinks-content-title\">\n Return to any of our sections: <\/h3>\n <ul class=\"jumplinks-content-list\">\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-buying-guide-what-to-look-for-in-a-card-machine\">Buying guide: what to look for in a card machine<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-1-takepayments-best-overall-card-reader\">1. takepayments: Best overall card reader<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-2-worldpay-best-for-larger-stores-and-restaurants\">2. Worldpay: Best for larger stores and restaurants<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-3-zettle-by-paypal-best-mobile-card-reader\">3. Zettle by PayPal: Best mobile card reader<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-4-tyl-by-natwest-best-for-fast-payment-processing\">4. Tyl (by Natwest): Best For Fast Payment Processing<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-5-square-best-for-pop-ups-kiosks-and-stands\">5. Square: Best for Pop-Ups, Kiosks and Stands<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-6-sumup-air-cheap-transaction-fees-for-small-stores\">6. SumUp Air: Cheap transaction fees for small stores<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-7-dojo-best-for-flexibility\">7. Dojo: Best For Flexibility<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-8-smartpay-anywhere-by-barclaycard-best-for-barclays-business-bank-account-holders\">8. SmartPay Anywhere (by Barclaycard): Best for Barclays business bank account holders<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-our-methodology\">Our methodology<\/a>\n <\/li>\n <li class=\"jumplinks-content-item\">\n <a class=\"jumplinks-content-link jumplink-anchor\" href=\"#link-verdict\">Verdict<\/a>\n <\/li>\n <\/ul>\n<\/div>\n <div class=\"flexi-comp-lw\">\n <div class=\"flexi-comp-lw-text\">\n <p>Startups.co.uk is reader-supported. If you make a purchase through the links on our site, we may earn a commission from the retailers of the products we have reviewed. This helps Startups.co.uk to provide free reviews for our readers. It has no additional cost to you, and never affects the editorial independence of our reviews.<\/p>\n <\/div>\n <\/div>\n[\/vc_column][\/vc_row]\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Card machines are essential for taking payments. But how do you choose the right one for your business? At Startups, we&rsquo;ve been helping SMEs answer that question for over 20 years. Using independent analysis, plus interviews with real-life business owners, I&rsquo;ll outline the eight best card machine providers in 2024 &mdash; and ask whether they&rsquo;re [&hellip;]<\/p>\n","protected":false},"author":91509,"featured_media":100132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4610,4211],"tags":[4519,4611],"acf":[],"yoast_head":"\n<title>8 Best Card Readers for Small Businesses 2024 [From \u00a319]<\/title>\n<meta name=\"description\" content=\"We review the UK&#039;s best card machines to help you compare providers and rates and choose the best card reader for your small business.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"8 Best Card Readers for Small Businesses 2024 [From \u00a319]\" \/>\n<meta property=\"og:description\" content=\"We review the UK&#039;s best card machines to help you compare providers and rates and choose the best card reader for your small business.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/\" \/>\n<meta property=\"og:site_name\" content=\"Startups.co.uk\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/startups.co.uk\" \/>\n<meta property=\"article:published_time\" content=\"2017-01-14T12:24:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-13T16:54:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2017\/06\/small-business-credit-card-machines.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"390\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stephanie Lennox\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@startupstowers\" \/>\n<meta name=\"twitter:site\" content=\"@startupstowers\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stephanie Lennox\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"24 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/\"},\"author\":{\"name\":\"Stephanie Lennox\",\"@id\":\"https:\/\/startups.co.uk\/#\/schema\/person\/e9612d345ce4210c3dbef117d03cc926\"},\"headline\":\"8 best card machines and mobile card readers for small businesses\",\"datePublished\":\"2017-01-14T12:24:03+00:00\",\"dateModified\":\"2024-06-13T16:54:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/\"},\"wordCount\":6501,\"publisher\":{\"@id\":\"https:\/\/startups.co.uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/startups.co.uk\/payment-processing\/best-small-business-credit-card-machines-readers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/images.startups.co.uk\/wp-content\/uploads\/2017\/06\/small-business-credit-card-machines.jpg\",\"keywords\":[\"Business software guide\",\"Recommendations\"],\"articleSection\":[\"Food &amp; 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