Written by Rob Binns Reviewed by Ruairi Shirlow Updated on 27 October 2023 On this page The best card machines for small businesses 1. Zettle Card Reader 2 2. Revolut Reader 3. Square Reader 4. Ingenico Desk 5000 5. Verifone V200c 6. Castles VEGA3000 7. Ingenico iWL series 8. Verifone V400m 9. Ingenico Tetra Move 5000 The different kinds of card machines for small businesses How we rate card machines Verdict FAQs Expand All providers have been reviewed and tested by our Research team. By requesting a quote, we can match you with a potential supplier, and we may earn a small commission for this referral According to our independent research, Zettle Card Reader 2 is the best card machine for small businesses. It's inexpensive to buy, easy to use, and comes with robust reporting tools and a convenient EPOS system integration.Card payments are predicted to account for 94% of UK transactions by 2031, so equipping your business with a card machine that can process payments efficiently while charging budget-friendly transaction fees is crucial. Whether you're looking for your first card machine or choosing one to switch to, our reviews should help you choose the right machine for you, whether it's the Zettle Card Reader 2 or another model. What are the Best Card Machines and Readers? These are the card machines we recommend based on our research. Clicking the links above will enable you to compare tailored prices via our cost comparison tool.Zettle Card Reader 2 – Best overallRevolut Reader – Best for cheap transaction feesSquare Reader – Best for faster payoutsIngenico Desk 5000 – Best for integrationsVerifone V200c – Best for fast payment processingCastles VEGA3000 – Best for new merchantsIngenico iWL series – Best for outdoor spacesVerifone VX 680 – Best for sturdinessIngenico Move 5000 – Best for high-end retailWith the rising costs of running a business in the UK, finding an affordable card machine deal is more important than ever. A quick and easy way to do that is using our free quote comparison tool: tell us about your needs, and we'll match you with suitable providers who'll share no-obligation quotes that have been tailored to you, so you can compare and choose the best deal.Answer the question below to get started: How do you need to take card payments? In Person Online Over the Phone Multiple / Other Get Tailored Quotes The best card machines for small businessesWe've rounded up some of the best mobile, countertop and portable card machines to help you make the right decision for your business. Swipe right to see more 0 out of 0 backward forward Our Top Pick Zettle Reader 2 Revolut Reader Square Reader Ingenico Desk 5000 Verifone V200c Castles VEGA3000 Ingenico iWL series Verifone VX 680 Ingenico Move 5000 Card Machine Type Mobile Card Machine Type Mobile Card Machine Type Mobile Card Machine Type Countertop Card Machine Type Countertop Card Machine Type Countertop Card Machine Type Portable Card Machine Type Portable Card Machine Type Portable Best For Features Best For Cheap transaction fees Best For Faster payouts Best For Integrations Best For Fast payment processing Best For New merchants Best For Outdoor spaces Best For Sturdiness Best For High-end hospitality Hardware Cost From £29 + VAT Hardware Cost £49 + VAT Hardware Cost From £19 + VAT Hardware Cost Available on request Hardware Cost Available on request Hardware Cost Available on request Hardware Cost Available on request Hardware Cost Available on request Hardware Cost Available on request Transaction fee 1.75% Transaction fee From 1% + 20p online0.8% + 2p in person Transaction fee 1.75% for card transactions2.5% for payment links and invoices Transaction fee From 1-1.5% Transaction fee Varies Transaction fee Varies Transaction fee Varies Transaction fee Varies Transaction fee 1-1.5% Customer Support 9am-5pm Mon-Fri Customer Support 24/7 Customer Support 9am-5pm Mon-Fri Customer Support 8am-6pm Mon-Fri Customer Support 8am-8pm Mon-Sat Customer Support Online only Customer Support 8am-6pm Mon-Fri Customer Support 8am-8pm Mon-Sat Customer Support 8am-6pm Mon-Fri Compare card machine quotes tailored to your needs - for free! Compare Free Quotes The table above gives you a quick-glance overview of how the card machines compare; below you'll find more information about the features, functions, pros, and cons of each machine as well as tips for which kind of business they're best suited to. 1. Zettle Card Reader 2Best overall card machine for small businesses Zettle Card Reader 2 4.8 Pricing £59 (excl. VAT) Compare quotes Zettle review Quick overview Zettle is a practical merchant account that has plenty to offer you. Its low cost, combined with its sales forecasting and inventory management tools, make it the best mobile merchant account for small businesses. Low cost is one of provider’s biggest selling points, although it does pack a considerably high 1.75% transaction fee. Read more + Read less - Strengths Supports all 25 major currencies No monthly costs, and affordable rates across the board Offers a wide range of EPOS systems to complement its card reader Fully PCI and EMV compliant Simple to set up and use Weaknesses No virtual terminal service Ecommerce services are only available via an additional third-party integration with Selz No weekend or evening customer support Some reviews suggest that the company is still undergoing a few ‘teething’ problems as a result of the PayPal acquisition Pricing See more See less Card readerTransaction fee (in-person)Invoicing/payment linksPayPal-generated QR codes £59 (excl. VAT) 1.75% 2.5% 1% Zettle Card Reader 2's key featuresNo fixed-term contractTakes contactless payments in 5 seconds and card payments in 10 secondsTransfers funds in up to two working daysKeyboard-operatedEight-hour battery lifeComes in black or whitePayments acceptedWhat's Zettle Card Reader 2's main draw?Zettle offers a lot of payment processing products in one service, which makes it a great choice for small businesses looking for the best value for money. For example, due to its association with PayPal, this reader comes coupled with a payment gateway, which is a helpful addition if you're also looking to take payments online via an ecommerce website.The Zettle Card Reader 2 itself offers an intuitive user experience and a no-frills, clean design that only features a keyboard and a small display. It's straightforward to get the hang of and use, which is reassuring if you're new to card machines.How does Zettle Card Reader 2 compare with its competitors?Price-wise, Zettle offers good value for money, and occupies a solid middle ground between Square and Revolut, the other mobile card readers on this list. At £29 + VAT, it's more expensive than the Square Reader (which costs £19 + VAT), but considerably cheaper than a Revolut Reader (which will set you back £49 + VAT).The Zettle Card Reader 2 comes with an excellent range of reporting tools, including sales analytics and forecasting, inventory management, staff hours, and sell on the go reporting. In comparison, Square's reporting tools are similarly extensive – and also include reports on discounts, taxes, and feedback – but Revolut comes with a smaller range of analytics capabilities, with just spend management and team management on offer.If you'd like to take payments in other currencies, Zettle Card Reader supports 25, while Revolut supports 30. Square falls down here, as it doesn't support any currencies other than GBP. Of course, this won't be an important factor for all small businesses, but it's worth considering if it's relevant to you.Overall, if you're looking for a mobile card reader that can help you track sales and manage inventory, the Zettle Card Reader 2 is a great choice.We examined this Zettle Card Reader 2 as it took payments at Batch1 at Boxpark, LondonWhat do users think of Zettle Card Reader 2?To hear what businesses like yours think about these card readers, we've interviewed a variety of business owners and employees who work with Zettle on a daily basis.Hannah Bailey of clothing shop Batch1 told us she likes Zettle Card Reader's 2 portability: “If you have someone on the other side of the desk that's chatting to you, you can quickly take a sale of someone who just wants to be in and out.”Meanwhile, Sugar & Style's Jessica Bedoya praised the reader's ease of use: “If you do the wrong thing, you just swipe and delete it. It's very user-friendly, very straightforward, especially for someone that's new [to it].”Want to get personalised recommendations and prices? Tell us about your needs to be matched up with suitable card machine providers. Get started by answering the question below: I need to take payments... In Person Online Over the Phone Multiple / Other Get Tailored Quotes 2. Revolut ReaderBest for cheap transaction fees Revolut 4.8 Pricing £49 (exc. VAT) Compare quotes Revolut review Quick overview Revolut takes second place in our research, scoring an overall 4.8/5. Revolut has been declared as the best for cheap transaction fees, at 0.8% +2p for in-person transactions and 1% +20p for online transactions. As this is typically the only recurring fee, this is great for small businesses that keep a close eye on their purse strings. Read more + Read less - Strengths Cheap transaction fees 30+ integrations Weaknesses Lack of email support Pricing See more See less Cost typePrice Hardware £49 In-person transaction fee 0.8% +2p Online transaction 1% +20p Revolut Reader's key featuresNo fixed-term contractTakes payments in 5 secondsTransfers funds in up to three working daysTouchscreen-operatedPayments acceptedWhat's Revolut Reader's main draw?The Revolut Reader is great for small businesses that deal with larger sales volumes, such as cafes or takeaway eateries, as they can benefit from the really cheap transaction rates this reader packs.How does Revolut Reader compare to its competitors?One of our highest-rated mobile card readers, the Revolut Reader offers super cheap transaction fees, which is a boon if your business deals with high sales volumes. At 0.8% + 2p, its in-person transaction fee is far cheaper than Zettle's and Square's – both of which stand at 1.75% per sale.Revolut has a name for itself in the world of international payments, supporting payments from over 30 different currencies, which is more than Zettle's 25 supported currencies, and a huge step up from Square, which doesn’t support multi-currency payments at all. If your business sells internationally, this is certainly something worth considering.However, Revolut comes up short when it comes to reporting, and the kinds of payments it can accept. With tools for spend management and team management, Revolut's analytics capabilities are less robust than those provided by Zettle (which also includes sales forecasting and inventory management) and Square, which also offers reporting on discounts and taxes. Revolut also accepts fewer payment types than Zettle, with methods including American Express and Discover missing from Revolut's roster. 3. Square ReaderBest for fast payouts Square card reader 4.4 Pricing From £19 + VAT Compare quotes Read review Quick overview With a range of versatile, mobile card machines for small businesses (and a sumptuous set of POS equipment to boot) Square is well-suited to forward-thinking merchants – particularly those with an eye for aesthetics. This reader connects wirelessly to Android and iOS devices, and can accept Google Pay, Apple Pay, and Samsung Pay, as well as the usual card providers. And If you upgrade to Square’s instant deposits, you’ll see payments in your account within 20 minutes. Read more + Read less - Strengths Provides next-day deposits into your business bank account Fully PCI compliant Outstanding customer reviews Real-time sales reporting and analytics No credit check required No contracts or long-term commitments Weaknesses Because it lacks a pin pad, it’s a tad less user-friendly than other credit card machines on this list No 24/7 phone support Doesn’t currently support JCB, Union Pay, or Discover in the UK Pricing See more See less Card readerTransaction fee (in-person)Online transaction feeVirtual terminal fee £19 (excl. VAT) 1.75% 1.4% + 25p for UK cards, 2.5% + 25p for non-UK cards 2.5% Square Reader's key featuresNo fixed-term contractTransfer funds by the next working dayThe device's 2nd generation, released in 2023, has battery life of slightly over a dayThe provider also offers a web builderPayments acceptedWhat's Square Reader's main draw?Due to its swift pay out time, the Square Reader is the best choice if your business depends on quick cash flow. It'll transfer your customers' payments to your business bank account by the next working day, which is the fastest pay out time we came across during our extensive analysis of the UK market's top card machine providers.How does Square Reader compare to its competitors?While Square's transaction fee of 1.75% is more expensive than Revolut's 0.8% + 2p, the Square Reader itself is the cheapest mobile card reader on this list, at £19 + VAT. In comparison, the Zettle Card Reader 2 costs £29 + VAT, and the Revolut Reader costs £49 + VAT.Buying the Square Reader gives you to access to the Square app, which is second to none when it comes to the number of software platforms it comes ready to integrate with — which include accounting software, appointment scheduling tools, ecommerce website builders, delivery apps, and more. This is helpful if you're looking to build out your operations, or you're already using a few of these apps and want to incorporate them into one system. In comparison, Zettle and Revolut come with far fewer options — something to consider if you use a lot of different software.It's also worth noting that the Square Reader is a great pick if you plan to open an online shop because, unlike Zettle and Revolut, it gives you access to Square's website builder.Employees at Grind, a café in London, use Square Readers attached to iPads in order to take paymentsWhat do users think of Square Reader?We interviewed business owners and employees who use the Square Reader regularly to gather their views on how well it works.Katie Dutton, of The Great Frog jewellery shop in London, said she was impressed by how easy the Square Reader is to use: “The interface is really clear. There's nothing really confusing about it. I've got used to till systems, but this was way easier than the ones I've used before.” Compare quotes from leading card machine providers in the UK and save Do you already have a card machine? Yes No It takes just 30 seconds... 4. Ingenico Desk 5000Best for integrations Ingenico Desk 5000 Pricing Available on request Compare quotes Quick overview The Desk 5000 from Ingenico belongs to a new era of credit card machines, for a new generation of small businesses. Capable of handling just about any payment method you can conceive of – including Apple and Android Pay, as well as all major card types – it’s not only fast; it’s flexible, too. Ingenico’s operating system integrates with a host of smart business apps, so you won’t just be taking payments; you’ll be getting a range of insights into sales and employee performance, too. Read more + Read less - Strengths Affordable Offers signature capture capabilities for electronic payments and receipt storage Its operating system, Telium, is one of the most security-focussed on the market Comes with the pedigree of over 30 years of experience Jumbo 3.5-inch touchscreen offers superlative levels of user experience Weaknesses Pricing information isn’t readily available No phone-based customer support Ingenico Desk 5000's key featuresPayout time depends on provider chosenAvailable through merchant account providers such as takepaymentsKeyboard-operatedRobust outer casingPrints receiptsPayments acceptedWhat's Ingenico Desk 5000's main draw?Ingenico Desk 5000's countertop design means it's suited to businesses with static brick-and-mortar locations, rather than mobile businesses such as food trucks or mobile salons. Ingenico's integration with other services, including electronic point of sale (EPOS) systems, is also a benefit.How does Ingenico Desk 5000 compare to its competitors?The first thing to note is that the Ingenico Desk 5000 – along with the remainder of the card machines on this list – is a traditional countertop card machine, unlike Zettle's, Revolut's, and Square's readers, which are mobile card machines that can be taken away from the countertop to take payments.Like the Verifone V200c and the Castles VEGA3000, the Ingenico 5000 comes with a receipt printer. If your business prints a lot of receipts during a regular day – for example, if you sell small ticket items in a retail shop – you'll find this helpful. Of course, it's possible to obtain a reciept printer with Zettle, Revolut, or Square, but it'll either be an add-on that could be costly (upwards of £200 each), or will be offered as part of a more extensive POS (point of sale) system, which may not be necessary for you just yet. The fact that the Ingenico 5000 simply comes with one is a tick in its favour.However, the Ingenico 5000's Cortex A5 processor means it processes payments more slowly than the Verifone V200c, which carries the Cortex A9 – making the latter a more efficient fit for high-speed hospitality environments.We observed this Ingenico card machine at a business in Upper Street, LondonWhat do users think of Ingenico Desk 5000?We interviewed local business owners and employees that use Ingenico card readers on a daily basis to find out what they think of their machines.At Mexican restaurant Chilango in North London, we spoke to the manager about their experience with Ingenico Desk 5000. They said that while the restaurant has had card machines that were easier to use before, the Ingenico Desk 5000 offers a good customer experience: “We've had it for around four months. The one we had before was way easier, as it had less buttons. This one is annoying to get used to, because we have too many options, but for the customer it is pretty easy.” You’re about halfway through our list of the nine best credit card machines for small businesses in the UK – time to start comparing quotes?Simply hit one of the buttons below to start our quick, quote-finding questionnaire.It takes just 30 seconds to complete, and by telling us more about your small business’s specific requirements, we can help ensure that you receive the best, most personalised rates on credit card machines. Compare quotes from leading card machine providers in the UK and save Do you already have a card machine? Yes No It takes just 30 seconds... 5. Verifone V200cBest for fast payment processing Verifone V200c Pricing Available on request Compare quotes Quick overview With a trendy, robust design, a powerful processor, and best in class security features, the Verifone V200c is ideal for small businesses looking to get started accepting credit and debit card payments – without breaking the bank! The V200c’s huge memory means it can support a wide range of business apps, which will help you foster greater customer loyalty, and create a more engaging experience at the point of sale. Read more + Read less - Strengths Superb online and phone-based customer support PCI and EMV compliant Boasts a whopping 384MB of memory Works with WiFi, Bluetooth, Ethernet… and even dialup! Top-notch customer support Multimedia capabilities included as standard Weaknesses Pricing information isn’t readily available Not as suitable for seasonal businesses, or those with a smaller sales volume It’s not a mobile solution, either! Verifone V200c's key featuresPay out time depends on the provider chosenFastest processor among the card machines on this listPrints receiptsPayments acceptedWhat's Verifone V200c's main draw?Verifone V200c's speedy payment processing makes it ideal for fast-paced, high-volume businesses, such as bars and coffee shops. Its Cortex A9 processor means it's poised to help you deal with bottlenecks in service and growing queues during your peak times.How does Verifone V200c compare to its competitors?The Verifone V200c comes with a 2.8″ colour LCD display, which is a lot smaller than 3.5″ display that the Ingenico Desk 5000, and the touchscreen version of Castles VEGA3000, boast. This is something to think about if you'd like to be able to see transaction information as clearly as possible, or in large fonts.On the flip side, the Verifone V200c is faster than its competitors when it comes to payment processing. As we've mentioned, its Cortex A9 processor means it can perform downloads and operations, and print receipts, more quickly than the other machines on this list.We examined this Verifone card machine as it took payments in a Hotel Chocolat store in North LondonWhat do users think of Verifone V200c?We interviewed business owners and employees who use Verifone card machines at their London-based businesses.Tommy at Plaquemine Lock, a pub in North London, described the Verifone V200c as practical, and told us that it enhances his clients' experience: “It has lots of options for customers. They can insert their card or use contactless, and the buttons make it much easier for older customers to use.”However, he also had a few criticisms to share: “The Verifone signal is not great, and it can drop and return sporadically. The touchscreen is also not very responsive on the Verifone card machine.” 6. Castles VEGA3000Best for new merchants Castles VEGA3000 Pricing Available on request Compare quotes Quick overview Castles Technology’s VEGA3000 credit card machine for small business is one of the most widely-used countertop devices in the industry; which is reassuring when you’re looking for your very first reader. Boasting wifi, GPRS, Bluetooth and USB connectivity (the full house!), this reliable card machine is simple to use: an imperative for newbies. It also comes equipped with the latest high-tech software to safeguard transactions, assuaging the security concerns you might have when you’re just starting up. Its lightning-quick transaction speeds also make for a positive experience for your customers, which can only serve to help build a good reputation. Read more + Read less - Strengths PCI and EMV compliant A powerful microprocessor enables speedy payments Boasts an optional rechargeable backup battery for mobility Simple to set up and use Touchscreen model also available Weaknesses Customer support could be improved Opaque pricing You’ll have to pay extra for its PIN pad privacy shield – and the charging cradle isn’t included as standard, either Castles VEGA3000's key featuresPayout time depends on provider chosenComes in both touchscreen and keyboard-operated versionsPrints receiptsDetachable battery available as an accessoryPayments acceptedWhat's Castles VEGA3000's main draw?The Castles VEGA3000 is super simple to use, enabling you and your staff to easily grasp the ins and outs of its functions. This simplicity makes it a good option for merchants who are new to using card machines, and want to learn to use theirs quickly.How does Castles VEGA3000 compare to its competitors?Like its countertop competitors, the Castles VEGA3000 accepts all major card types, but it boasts a more user-friendly interface than the others on this list. Plus, unlike the Ingenico Desk 5000 and Verifone V200c, this machine offers a detachable battery as an optional feature.When it comes to processing speed, the Castles VEGA3000 is on par with the Ingenico Desk 5000, but it performs transactions and prints receipts more slowly than the Verifone V200c. However, it's worth noting that the touchscreen version of this machine comes with a 3.5″ display, like the Ingenico Desk 5000 – which is a bigger display than the Verifone V200c's 2.8″ screen. 7. Ingenico iWL seriesBest for outdoor spaces Ingenico iWL series Pricing Available on request Compare quotes Quick overview Ingenico’s iWL card machine series constitutes a range of lightweight, feature-heavy handheld devices that are ideal for small businesses. You can connect using GPRS, 3G, wifi, or Bluetooth technology, and charge them easily via a set of portable, professional-looking charging ports. What’s more, the iWL card terminals are water and shock resistant, making them an ideal choice if your bar or restaurant operates in an outdoor space. Read more + Read less - Strengths One of the most popular and enduring credit card machine lines in the UK PCI compliant, and meets the highest industry requirements when it comes to security Powered by innovative operating system Telium, which offers additional payment services and a library of more than 2,000 applications The range’s built-in receipt printers are capable of delivering 30 lines per second – the fastest on the market Weaknesses Pricing information isn’t readily available The iWL series isn’t the most aesthetically-pleasing set of devices No phone-based customer support Ingenico iWL series' key featuresPayout time depends on provider chosenOffered by merchant account providers, such as Retail Merchant ServicesKeyboard-operated1-day battery lifeAnti-shock system and water resistantPayments acceptedWhat's Ingenico iWL's main draw?The Ingenico iWL is water resistant and boasts an anti-shock system, which ensures you can take payments no matter the weather conditions, and it can also charge in adverse conditions. This makes it a strong contender if you run a business that's based outdoors, such as a food truck or pop-up garden bar.How does Ingenico iWL series compare to its competitors?As expected for a card machine released 11 years ago, the Ingenico iWL's ARM 7 processor has been outpaced by faster card machine processors, such as the Cortex 5 (found in the Ingenico Tetra Move 5000) and the Cortex 9 (found in the Verifone V400m). This means the Ingenico iWL processes payments more slowly than more recent card machines.Plus, this machine's design is clunkier than mobile card readers Zettle Card Reader 2 and Revolut Reader. Also, at 2.5″, its display is considerably smaller than the 3.5″ screens boasted by the Ingenico Tetra Move 5000 and Verifone V400m.We observed this Ingenico card machine as it took payments for a business on City Road, LondonWhat do users think of Ingenico iWL series?We interviewed local business owners and employees who use Ingenico card readers to take payments every day.The owners of the Vibram London Academy, a shoe repair shop in Central London, were quick to tell us that their Ingenico iWL series “does the job”.However, they did point out some recurring issues: “[The connectivity] fades out sometimes, but that might be to do with our WiFi. Also, it powers off when it’s idle, so sometimes we have to send people to the cash machine.” 8. Verifone V400mBest for sturdiness Verifone V400m Pricing Available on request Compare quotes Quick overview The V400m is Verifone’s most compact payment terminal yet, but that doesn’t mean it compromises on features. It boasts Bluetooth, 4G, USB, and wifi connectivity, as well as an almost IMAX-sized colour touchscreen display (despite being, according to Verifone, the world’s smallest full-function payment device). Oh, and when you add in its Herculean battery life and quick processing speeds? Well, then the V400m weighs in as one of the most versatile mobile PDQ machines on the market – not to mention being ideal for small businesses! Read more + Read less - Strengths Durable and reliable Long-lasting battery and colour touchscreen display EMV and MSR enabled Install additional apps to fully customise your small business credit card machine’s user experience Weaknesses Pricing information isn’t readily available Not as highly rated by customers as models from some of its competitors Verifone V400m's key featuresNo fixed-term contractPayout time depends on provider chosenAvailable through Electronic Point of Sale (EPOS) system providers, such as LightspeedWorks with both keyboard and touchscreenSturdy casing3.5” colour displayPrints receiptsPayments acceptedWhat's Verifone V400m's main draw?The Verifone V400m's sturdy casing makes it a great choice for businesses that need a portable and durable option. For instance, it could work well for a restaurateur looking for a card machine that wait staff can constantly take to tables.How does Verifone V400m compare to its competitors?Lasting for a day, Verifone V400m's battery life is on par with its competitors. However, this device processes payments faster than the Ingenico iWL series, and it also packs more ready-made integrations than its predecessor. It can be connected to a barcode scanner, like Square Reader, because it doesn't come with one. This means it's not as practical as Ingenico Tetra Move 5000 in this sense. If you pick the Verifone V400m, you will need to spend more to have access to a barcode scanner, which isn't ideal.We examined this portable Verifone card machine at a pub in Old Street, LondonWhat do users think of Verifone V400m?We spoke to business owners and employees based in London who use Verifone card machines to accept payments.Kayley at Sports Bar & Grill told us: “Because it's programmed into my tills, it's so much quicker [than a previous model we used] when it comes to making a sale. It's also quite easy for customers to use.”Overall, she says, the card machine has been quite stress-free to use. “We sometimes can have problems with the signal dropping but, otherwise, it works fine. The signal can drop once every two or three months, so it's not very often.” 9. Ingenico Tetra Move 5000Best for high-end retail Ingenico Tetra Move 5000 Pricing Available on request Compare quotes Quick overview With a slick touchscreen, sleek design, and highly pushable buttons, the Ingenico Tetra Move 5000 is about as easy on the eyes as they come. But that doesn’t mean there isn’t more to it than meets the eye, because the Move 5000’s capabilities go well beyond the tabletop. You’ll also get access to Ingenico’s cloud-based reporting and analytical capabilities, and be able to manage your online receipts and transaction history with ease. Read more + Read less - Strengths Compatible with Ingenico’s suite of cloud services, including back office reporting and e-receipt management Large, 3.5-inch touchscreen Accepts in-person payments via contactless, swipe and sign, and chip and PIN, as well as mobile wallets PCI and EMV compliant Weaknesses Slightly more expensive than some of Ingenico’s other card terminals The higher monthly costs may not be worthwhile for seasonal businesses, or those with a smaller sales volume Ingenico Tetra Move 5000's key featuresRequires fixed-term contract (usually, 18 months)Payout time depends on provider chosenAvailable through merchant account providers, such as takepaymentsWorks with both keyboard and touchscreenPrints receiptsIncludes a barcode scanner and a rear cameraConnects to the mains and is battery poweredPayments acceptedWhat's Ingenico Tetra Move 5000's main draw?Ingenico Tetra Move 5000's sleek integration of a barcode scanner and a rear camera into one portable device makes it best suited for high-end, sophisticated retail environments (such as a high street boutique). If you run one of these, you know how crucial the customer experience is – and this machine can help you by doing the job and looking good doing it.How does Ingenico Tetra Move 5000 compare to its competitors?Ingenico Tetra Move 5000's Cortex A5 processor improves on the Ingenico iWL series' ARM 7, helping it process payments faster. However, it still lags behind the Verifone V400m in this regard. Its battery life is advertised as lasting an entire day, which puts it on par with the Ingenico iWL series, Verifone V400m, and the Square Reader, but it easily beats the Zettle Card Reader 2's battery life of eight hours.We experimented with taking payments using this Ingenico card machine in a Pub on City Road, LondonWhat do users think of Ingenico Tetra Move 5000?The staff at The Angel Pub praised the Ingenico Tetra Move 5000's connectivity, but criticised the fact that the payment taking process isn't straightforward, requiring lots of buttons to be pressed.“When it’s busy, it’s a pain because it takes too long when we’re taking payments. We have to sign in [on the machine] when we take the payment, so we have to press more buttons for that,” they stressed. The team ran a test sale to highlight their pain point. In total, the card machine required them to press nine buttons to carry out one transaction. The different kinds of card machines for small businessesOn this page, we reviewed the best mobile credit card machines, the best countertop credit card machines, and the best portable credit card machines. Should you need a quick recap on what those mean:Mobile credit card machines can function without a wifi connection or power source, so they’re ideal for taking payments in a variety of different locations, including outdoors.Countertop credit card machines are designed to sit in a fixed spot at your premises, as they need power and internet connections. You usually see these card machines on shop and cafe tills.Portable credit card machines are battery-powered and can connect wirelessly to your wifi, so can be carried around your premises. Think restaurants and bars that take payments at customers’ tables.Take payments at your customer's table with a portable credit card machine How we rate card machinesTo provide this wide comparison between card readers and find the ones featured in this top nine, we researched across 11 merchant account providers. We looked into the card machines they offered, analysing them across four categories: price, features, customer support, and customer score. In price, we analysed account charges and transaction fees;In features, we went over integration offering and reporting tools;In customer support, saw us verify the support channels and opening hours;We then generated the customer score by compiling data from various online review aggregators (such as Trustpilot). We also took the feedback the companies received into account.With that data in hand, we ranked our findings, giving features that benefit small business a heavier weight. For instance, easy of use, low-cost, and sturdiness – which help new merchants or those looking to only invest in one single card machine – contributed to particular readers (such as the Square Reader and the Verifone V400m) making the cut. Verdict With its pocket-friendly ease of use and convenient EPOS functionality, the mobile Zettle Card Reader 2 is our top card machine for small businesses. If you’re in the market for a countertop machine, the Ingenico Tetra Desk 5000‘s plentiful integrations make it our pick, but if you’re after a portable credit card machine, the shock-proof, waterproof Ingenico iWL series is our go-to choice.Ultimately, it’s best to remember that the best card machine for you depends on the unique needs and qualities of your small business. You’ll need to consider key factors including upfront costs, transaction fees and other charges, and user-friendliness.If you’re still stuck on which card reader is right for you, our free quote-finding tool can help. We’ll match your small business with the credit card machine suppliers that meet your requirements, and they’ll be in touch to offer free, personalised quotes and advice, with zero obligation. Compare quotes from leading card machine providers in the UK and save Do you already have a card machine? Yes No It takes just 30 seconds... FAQs What's the cheapest way to take card payments? According to our research, Retail Merchant Services is the cheapest way to take payments. The provider is a merchant account that works with an array of Ingenico and Verifone card machines. While it charges a minimum £10 monthly account fee, it packs some of the cheapest transaction rates out there: 0.4% for debit cards and 0.8% for credit cards. How do I get a card machine for my small business? You can purchase a credit card machine for your small business either directly through the supplier (as is the case with models from Zettle, Revolut, and Square), or rent one as part of an agreement with a merchant account provider. Do you need a business account for a card machine? You don't need a business account to operate a card machine, but you do need a merchant account service. This service will store the funds during the period between the transaction and the payout. What’s the cost of a card machine for a small business? Card machines can cost between £7 and £45, depending on which type you go for.If you’re opting for a mobile card reader, you’ll pay just a single, one-off fee to purchase the device outright – typically anywhere between £16 and £45 (excl. VAT) – plus a transaction fee of around 1.69% to 2.5% per sale.This contrasts with the monthly rental fees you’ll usually have to pay to secure the services of a portable or countertop card machine for your small business. Costs here normally come in at between £7 and £30 per month, with transaction fees ringing up at around 1% to 1.5% per sale. Are there free wireless card machines for small businesses? There aren't free wireless card machines. Even if a provider decides to waive the cost of you buying or renting the machine itself, it'll still take a cut of every sale you process it with in the form of transaction fees. Can I get a small business card machine without a contract? Yes! Contract-free plans are usually more common among mobile card readers than any other kinds. Square and Zettle, for example, won’t ask you to sign a contract to use its card reader, so you’ll have the flexibility to opt out when you want to. Compare quotes from leading card machine providers in the UK and save Do you already have a card machine? Yes No It takes just 30 seconds... Our site is reader-supported. Some featured providers are our partners, so we may earn a commission if you make a purchase through our site. This is at no extra cost to our readers, and this doesn’t affect the independence of our reviews. Whether or not we have a partnership with a company does not affect our rating and review of the service. Written by: Rob Binns Services Expert Rob writes mainly about the payments industry, but also brings to the table industry-specific knowledge of CRM software, business loans, fulfilment, and invoice finance. When not exasperating his editor with bad puns, he can be found relaxing in a sunny (socially-distanced) corner, with a beer and a battered copy of Dostoevsky. Reviewed by: Ruairi Shirlow Business Services Researcher Ruairi uses his 3+ years of research experience to uncover insights which can help Expert Market provide the best business solutions for their users. He has done this by meeting with business owners to find out what is important to them and what challenges they face on a daily basis. Ruairi specialises in tools that can be used to grow your business and has done research for a wide range of categories on Expert Market, such as EPOS, Website Builders, and Merchant Accounts.