Written by Zara Chechi Reviewed by Ruairi Shirlow Updated on 14 March 2023 On this page How much does a PDQ machine cost? 1. Contract and setup fees 2. PDQ machine purchase or lease 3. PDQ machine monthly fees 4. PDQ machine transaction fees PDQ machines: Buying vs renting What are the types of PDQ machines? 3 questions your business should ask when choosing a PDQ machine Next steps 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 PDQ machines can cost between £16 and £179 + VAT to buy and £9.95 and £75 + VAT per month to lease.PDQ machines (or card machines) are payment-taking devices, essential to businesses that depend on in-person payments. However, with our nearly 15 years of experience, we advise you to choose wisely in order to keep the checkout experience running smoothly while not breaking the bank – a must in the current economic scenario.Despite the recent remedial package proposed by the Payment Systems Regulator, pricing and contract length vary greatly between the PDQ machine providers – and you have to watch out for their fine print!To help you out, we’ve prepared a guide with the ins and outs of these devices, as well as the costs associated with them, backed by our own independent and thorough research. To check it out, just head below. PDQ machine costs: Countertop: from £15/monthWireless/portable: from £20 – £25/monthMobile: buy from £20 – £60Clicking any of the links above will allow you to compare quotes to find the right PDQ machine provider for your business. Did You Know? PDQ stands for ‘process data quickly’ and ‘PDQ machine’ is the original term used to describe what is now commonly referred to as card machines or readers. How much does a PDQ machine cost?Our research divides card machines into two categories: mobile (providers that offer pay-as-you-go) and traditional (providers that offer a contract). Mobile readers start from a one-off fee of £16 + VAT and cost an average of £58 + VAT. Our research into this topic also shows that transaction fees for mobile readers average out at 1.60% per transaction.Traditional card readers usually don't sell their readers outright, but lease them instead, with costs averaging £15 per month per reader. Unlike their mobile counterparts, they also charge account fees, which start from around £9.95 per month, with an average of £25 per month. On the other hand, their transaction fees are lower: they gravitate between 0.4% to 2.75%, although the average is 1.30% per transaction.In the following breakdown, we'll cover in more detail the main costs of PDQ machines. 1. Contract and setup feesThe first cost you'll need to consider when getting a PDQ machine is the setup fees of the provider you choose. Traditional providers charging as much as £150 to get you started, such as Barclays Merchant Services. However, in principle, these fees should be much lower – and some companies might not charge at all, such as takepayments. Mobile providers, on the hand, forego them altogether, as they operate in fixed-term contracts.The more pressing concern when signing a contract relates to its length and flexibility. If your business is likely to grow in the coming years, it makes little sense committing to a long-term contract that restricts you. Thankfully, many providers recognise that it pays to present a service that grows with your business’ needs. 2. PDQ machine purchase or leaseThe first cost you'll need to consider when buying your terminal is the initial upfront payment for the machine itself. The cheapest PDQ machines are typically mobile card readers. They come in at around £16 (Square) to £129 (SumUp) to buy outright, depending on the provider.If you’re looking at a traditional countertop or wireless PDQ for your retail business, you’re better off renting or leasing a card machine. This typically costs an average of £15 per month.When you rent a PDQ, there aren’t too many upfront costs, but you might have to pay a fee such as £60 to get the machine set up or installed. 3. PDQ machine monthly feesMonthly fees are pretty common when using PDQ machines. Thankfully though, merchant account monthly fees are usually low, such as Worldpay’s minimum fee of £9.95 + VAT.Some suppliers – particularly those that offer mobile card readers – forego monthly fees altogether. Make sure to read the fine print because these companies still take a usage (or transaction) fee for their services.The most typical monthly cost consideration is a minimum usage limit. This is to ensure the provider can profit from usage fees – essentially making it worth their while. This fee is called a Minimum Monthly Service Charge (MMSC).The MMSC is generally set at around £15 per month. It may not seem like a lot, but if you only deal with a few transactions each month, then a PDQ option with a monthly minimum usage might not be the best option for your small business.If you don’t want to pay a monthly fee to take payments, there are plenty of pay as you go readers that don’t have them. However, you’ll pay a percentage of every transaction you take.The table below will give you clear examples of what you can expect to pay. ▶ Read more: Worldpay Review 2023: Is it Right for your Business? Swipe right to see more 0 out of 0 backward forward Zettle Reader 2 SumUp Air card reader Card Machine Type Mobile Card Machine Type Mobile Score 4.8 Score 4.2 Best For Features Best For All-round excellence Hardware Cost £29 Hardware Cost £39 Monthly Fee £0 Monthly Fee £0 Transaction fee 1.75% for card payments2.5% for payment links and invoices Transaction fee 1.69% cards2.5% Invoices, Online Store and Payment Links 4. PDQ machine transaction feesTo process payments on any PDQ machine you'll need to set up a merchant account. This is your agreement with a credit card payment processor, and it’s the main thing you need to accept in-store payments, online, and over the phone.Transaction fees are set by your chosen provider and these depend on the amount of payments you'll be taking. Transaction fees are calculated either as a percentage of the transaction price (around 1% to 3%), or as a set fee of 10p to 20p. Sometimes, it’s a combination of both – a small percentage, plus a few pence per transaction. It differs from provider to provider and is based on the pricing package you choose.Other companies only charge a usage fee after a certain threshold of transactions has been reached. Handepay, for instance, charges 10p per transaction, but only after you’ve made 400 transaction. This works out cheaper for smaller businesses that accept fewer transactions every month.Your PDQ transaction costs will also relate to the level of risk attached to your industry. Fees for high-risk industries are notably higher because there’s a greater chance of chargebacks. How does a PDQ machine work? Once a customer makes a payment via the machine (either by contactless or chip & pin), an authorisation request is sent to the card issuer through the machine, or through to the customer’s bank. If there are sufficient funds, the authorisation is given and the funds are sent from the customer’s account to the merchant's account. PDQ machines: Buying vs rentingRenting a PDQ machine is a secure and cost-effective solution for accepting face-to-face card payments.It is commonplace for businesses to rent a PDQ machine in the UK than to buy one. And, if we’re honest, it’s also much more straightforward. When you sign up with a merchant account provider, the company will provide you with a PDQ machine, equipped with everything you need to start taking payments. You’ll sign a contract with the provider, and will have the option to rent a card machine for around £15 per month.However, if you’re set on owning your PDQ machine outright, a mobile card reader should be your first port of call. Buying✔ The main advantage to buying a PDQ machine is that it only requires a one-off payment, meaning you’re avoiding yet another monthly expense for your business. However, it’s not all rainbows and butterflies as you’ll still need to pay transaction fees.X You’ll also need to remember when buying your card machine that, once the warranty is up, maintenance and repair costs become an expense. You might also end up stuck with a device that’s out of date as technology improves. Renting✔ Need a PDQ, but don't have the cash right now? Renting is your best bet. With credit card machine rental, you also receive repair and replacement options, ongoing technical support, and the possibility of upgrading your machine over time.X However, signing a rental contract ties you down – potentially for years. And with less flexible suppliers, this can quickly become a problem. Also, the longer you keep the equipment, the more expensive it will be when compared with buying the equipment outright. What are the types of PDQ machines?There are three types of PDQ machines: countertop, wireless (or portable), and mobile. Read on for our top picks, or dive into the table below to compare PDQ machine costs and get quotes from top suppliers.Type of PDQ machineCostCountertopFrom £15 per monthWireless/portableFrom £20 – £25 per monthMobileBuy outright from £20 – £60Countertop PDQ machineA countertop PDQ machine (a static PDQ terminal) connects to the card payment network via an ethernet cable or phone line. These are most popular in the retail sector, where the point of sale is usually at the till.You won’t find these PDQ machines available to buy new – instead, you’ll need to rent them from your chosen merchant account provider. The good news is that countertop PDQs are the cheapest to hire.Wireless/portable PDQ machineWireless PDQ machines connect via Bluetooth or Wi-Fi. They give you the flexibility to move about and take card payments within a fixed range (usually around 100m). They’re perfect in a restaurant or bar setting, where the point of sale is at the customer’s table. Monthly rental prices are around £15.Mobile PDQ machineWith a mobile PDQ machine (a mobile card reader), you’re able to take card payments anywhere with a signal. They work with either a dedicated SIM card, or by connecting to your smartphone or tablet.Mobile PDQ machines are a firm favourite of small business owners because of the flexibility they offer – and for the relatively low up-front cost. The bonus is that they allow you to accept card payments in remote areas, without needing to rely on wifi or a power outlet.Unlike the other types of PDQ machines, you don’t need to rent mobile devices. You can buy mobile PDQ machines outright, such as the Square reader, for as little as £16. 3 questions your business should ask when choosing a PDQ machineFinding the best PDQ terminal for your business can be tricky. With so many providers out there, how do you go about picking yours?Here are three questions to ask yourself when choosing a PDQ machine for your business:1. What cards do my customers use?All PDQ machines accept payment by credit cards and debit cards. But some cards, such as American Express, can only be processed with select PDQ terminal providers. Know your customers – and their cards – to avoid embarrassment at the till.2. Where is my point of sale?If it’s in a muddy field at a music festival, you’re likely going to need a mobile PDQ machine. If it’s in store, a countertop PDQ will often be the most cost-effective choice.3. What’s my budget?If you can afford the cost of a larger upfront sum, it will pay to buy your PDQ machine outright in the long run. If you’re trying to keep costs to a minimum, then renting is a better option. Next stepsAs we've covered, there are a lot of costs to bear in mind when choosing a PDQ machine for your business – setup fees, reader price, monthly fees, and transaction fees being the main ones. However, after our breakdown, you should be equipped now to conduct your research and pick the one most suited to your needs.If you're short on time and feel like cutting to the chase, no problem: just use our free comparison tool. Through it, we'll quickly match you with trusted providers. They’ll then be in touch to provide bespoke quotes tailored to your needs. FAQs What are PDQ payments? PDQ payments refer to payments made via a PDQ machine, AKA a card reader. What is a card machine called? Card machines are known by a few different names, including PDQ machine, card reader, or a terminal. Can I have a card machine without a business account? No, you’ll need a business bank account to take payments via a card machine. Can a PDQ take payments when the cardholder is not present? PDQ machines can still be used even when the cardholder is not physically present. Simply enter their card details manually to take card payments over the phone.Is there anything a PDQ machine can’t do?We’re not sure. If you’d like to start comparing PDQ machines from top suppliers, why not check out our page dedicated to the best credit card machines for small businesses? Or to get tailored quotes for your business, take a minute to fill out our quick form. 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: Zara Chechi Business Services Expert Zara is a Payments Expert, specialising in writing about Point of Sale systems. With a Law Degree from City University of London, she has used her legally-honed research and analytical skills to develop expertise in the Business Services world. Featured in FinTech Magazine, she quickly became an expert in payroll, POS systems, and merchant accounts. 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.