Credit Card Reader: 5 Best Devices for Small Businesses in the UK

Today, there is a much wider selection of credit card devices than a few years ago.

If before you had to do with your card machine stationed at the counter, now you can take advantage of mobile credit card readers that work perfectly.

These app-based machines are contract-free, cost-effective, and without any complicated fees. By using such machines, it is easy for small and new businesses to start accepting credit cards.

Finding the right credit card reader for your business is not easy and you know it.

In this article, we will discuss a few card devices suitable for companies with card transactions of £20k per month or less.

A Search for the Best Credit Card Reader

All options presented work perfectly in conjunction with an app on Android, iPhone, and iPad devices that are connected to Wi-Fi or 4G.

Even though the devices are portable, they work on a counter as well.

Wondering how credit card readers work?

Well, the card device connects to a tablet or mobile phone via Bluetooth, the app on your device operates the device. You need to tap card or enter a PIN just like any normal card device.

A great thing about these 5 credit card readers is that none of them have monthly fees. You just buy the credit card device and pay a fee for the transactions and processed through them.

1.Square

Square Reader is the most lightweight credit card device on the market. However, that doesn’t mean that Square isn’t powerful or secure. As a matter of fact, it is one of the best vendors in the industry.

The PINs are entered in the POS app on your screen.

The device is a square-shaped machine but the technology makes it just as quality as standard POS machines.

In order to start using Square, fill in all sign-up pages and order the Reader. Usually, it takes about 4-5 days to get your bank account approved and verified, however, you can start taking payments before that.

Square accepts chip and PIN, contactless cards, chip and signature cards, and mobile wallets. In the package, a magstripe reader is also included which you can plug into your mobile device.

The card machine accepts Visa, Visa Electron, Maestro, Mastercard, Electron, and American Express. Apple Pay, Google Pay, and Samsung Pay are also accepted by Square.

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2. Worldpay Reader

Best known for phone support, Worldpay is the most expensive card device on this list. If you choose to pay as you go without any lock-in, the device will cost you £60 + purchase fee + VAT.

After that, you pay a fee based on your monthly turnover + transaction authorization fees + extra fees for premium cards.

You can order the card device by signing up online.

Worldpay accepts Mastercard, Visa, Maestro, Samsung Pay, Apple Pay, and Google Pay. The device is the same as the one used by PayPal Here.

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3. PayPal Here

The PayPal here credit card device is integrated with your business PayPal account. The device accepts chip and PIN, contactless, swipe, chip and signature cards.

Order the card device from the official PayPal website and download the free app on your smartphone or tablet.

If you don’t have a PayPal account, you will have to sign up for one. Getting your bank account verified is usually a quick process, however, some cases may require extra documentation from you.

All PayPal Here payments go into your account. Usually, this transfer is immediate, however, you then need to withdraw the money manually to your bank account.

PayPal Here card reader accepts all major cards such as Mastercard, Visa, Maestro, Amex, Google Pay, and Apple Pay.

You will also have the option to take payments over the phone and send electronic invoices.

The fee system is a little bit complicated so before you decide to use this option, make sure to discuss all possible fees.

4. Shopify

I’m sure you know Shopify as one of the best ecommerce website builders, service providers, and B2B platforms.

However, that’s not all!

Shopify is now offering you an opportunity to sell your products both online and offline by using the POS system and credit card reader device.

With Shopify card reader, you can sell anywhere. Small and yet powerful, the wireless payments are now in the palm of your hand.

In other words, you have the flexibility to run your business from any device, anywhere and anytime.

The device can pair wirelessly with Apple and Android phones using Bluetooth LE technology.

All you need to do to get this device is to become a Shopify user.

If you are looking for an all-in-all solution, a platform that can help you build your own online store, design your storefront, attract new customers, and sell absolutely anywhere, Shopify is your best option.

The cheapest Shopify plan will cost you £23/month.

5. iZettle Reader

In the UK, iZettle Reader is the most versatile credit card device. It is stylish, light-weight, and comes in two colors – black and white.

The best part – there is no shipping or setup fee.

According to Trustpilot UK, iZettle has the highest customer ratings. The app has also high ratings in Google Play and App Store.

Interested in signing up?

Go to iZettle’s website, fill in some important details about your company and bank account. Once you are done, they will verify your information and perform an extra credit card check to make sure everything is in order.

iZettle accepts Visa, MasterCard, v Pay, American Express, Maestro, Union Pay, Apple Pay, Google Pay, and more.

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Final Words

What do you think about these options? Which one suits your business the most? Are you currently using any of these card readers?

The Shopify Pos card reader comes with an attractive rate. This option makes sense for those who already use Shopify packages (Basic or Advanced Shopify packages).

Compare these options, consider the monthly costs, and decide which card reader is best for your small business.

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