The right terminal, on the right rate

Built-in SIM, free business account and instant settlement — takings are available the moment the payment clears, not in three working days.

• Instant settlement to a free MyPOS business account
• Free multi-currency IBAN and business card included
• Built-in 4G SIM plus Wi-Fi — no fixed line needed
• No monthly contract on most device plans
• Online payments, payment links and QR codes included

Best for: Market traders, mobile services and start-ups that need cash flow today.

Fast authorisation, next-day settlement (including weekends) and a live app dashboard. A favourite across UK hospitality for a reason.

• Next-day settlement, seven days a week
• Authorisation in under a second on a strong signal
• Dual 4G and Wi-Fi connectivity with automatic failover
• Tipping, split bills and till integration built in
• Live takings and reporting in the Dojo app

Best for: Restaurants, bars, cafés and high-volume retail.

Transparent pricing with no rolling lock-in, plus a free business account and a loyalty programme aimed squarely at independents.

• No long-term contract — cancel with 30 days notice
• Transparent flat transaction pricing
• Free business account with next-day settlement
• Built-in loyalty and customer insight tools
• UK-based support seven days a week

Best for: Independent retailers, salons and service businesses.

A face-to-face UK provider: a named local account manager, free setup and terminals installed on site rather than posted in a box.

• Named local account manager and on-site installation
• Free terminal setup and staff training
• Countertop, portable and fully mobile options
• Integrated EPOS and virtual terminal available
• UK contact centre open 24/7

Best for: Businesses that want a person to call, not a helpdesk queue.

A global acquirer backed by U.S. Bank, with multi-currency acceptance and the reporting depth larger operators need.

• Direct acquiring with global processing capability
• Dynamic currency conversion and multi-currency settlement
• Robust PCI DSS compliance support
• Deep EPOS, hotel and PMS integrations
• Consolidated reporting across multiple sites

Best for: Hotels, franchises and multi-site or international operators.

One provider for the shop floor, the website and the phone line — with a single reconciliation across all three.

• In-store, online and MOTO payments on one merchant account
• Gateway, virtual terminal and hosted checkout included
• Recurring billing and tokenised card-on-file
• Competitive interchange-plus pricing available
• Consolidated omnichannel reporting

Best for: Retailers selling in store and online who want one reconciliation.

One of the largest acquirers in the UK, with the uptime record, fraud tooling and payment-method coverage that comes with that scale.

• Accepts every major card scheme plus Apple Pay and Google Pay
• Advanced fraud screening and chargeback management
• High-availability processing built for peak trading
• Extensive EPOS and e-commerce integrations
• Next-day settlement options available

Best for: Established businesses that need proven reliability at volume.

Independently negotiated merchant rates with hands-on UK account management and rate reviews that actually happen.

• Rates negotiated against your real transaction profile
• Free statement analysis before you commit
• Countertop and portable terminals with fast deployment
• Ongoing rate reviews as your volume grows
• Straightforward, jargon-free UK support

Best for: Growing businesses that have outgrown flat-rate pricing.

The simplest way to start taking cards: buy the reader once, pay a flat percentage per transaction, no monthly fee.

• No monthly fee and no fixed contract
• Flat, predictable transaction rate
• Pairs with any smartphone or tablet over Bluetooth
• Free invoicing, payment links and online store
• Set up and taking payments the same day

Best for: Sole traders, pop-ups, tradespeople and low-volume sellers.