The three ways to take cards
- In person: a card reader or a tap-to-pay phone app for face-to-face sales.
- Online: a payment gateway or checkout built into your website or invoices.
- On the go: a mobile reader paired to your phone for markets, callouts and events.
What it costs
Most providers charge a small percentage of each transaction, sometimes with a fixed pence fee, and card readers have a one-off hardware cost. Pay-as-you-go pricing suits low or irregular volumes; higher-volume sellers can sometimes negotiate lower rates. Always compare the per-transaction rate, not just the headline hardware price.
Choosing a provider
- Match the tool to how you sell — in person, online, or both.
- Compare transaction fees and any monthly cost.
- Check how fast money reaches your account.
- Look at whether it links to your accounting software and invoicing.
Getting set up
- Sign up and verify your business details.
- Order a reader or connect the online checkout.
- Do a test transaction.
- Point the payouts at your business account.
Frequently asked questions
What is the cheapest way to accept cards?+
For low volumes, a pay-as-you-go reader or tap-to-pay phone app with a simple per-transaction fee is usually cheapest, since there is no monthly commitment. High-volume sellers may save with negotiated rates.
How quickly do I get the money?+
It varies by provider — some settle next working day, others take a little longer. Check settlement times before choosing, especially if cash flow is tight.
Do I need a separate business account?+
You will need somewhere to receive payouts, and a business account keeps things clean and separate from your personal finances — which matters especially for a limited company.