Top 7 Best Mobile Credit Card Machines & Readers From £19

The 5 mobile credit card machines listed below make it easier than ever for UK small businesses to accept card payments almost anywhere without the need for a dedicated PDQ machine, merchant account, expensive PDQ machine rental contract or any other hassles that come from more traditional payment processing companies.

This can be great for small businesses just getting started. But the trade-off is that they often charge higher fees compared to dedicated payment processing companies, usually do not offer the flexibility of accepting card payments online or over the phone and may not look quite as professional as regular PDQ machines.

Therefore, while you should definitely have a look at all the companies below, you should also consider comparing card reader companies using our form at the top of the page as well.

1. Zettle Card Reader

The Zettle card reader has quickly become one the most popular mobile credit card machines options for UK small businesses. Below we outline the major pros and cons of the Zettle system, but for a more in-depth look have a look at our complete 2021 Zettle review.

Zettle Credit Card Machine Features

• Accepts chip and PIN, contactless payments, and mobile payments including Apple Pay, Google Pay and Samsung Pay
• Works in conjunction with the Zettle App
• Connects to your device via Low Energy Bluetooth
• Contactless card payments are up to 25% faster than other mobile credit card machines on the market.
• Transactions made by contactless cards below £30 are approved within seconds.
• Charges via USB cable or through the dock (purchased separately). Charge time: 1-2 hours.
• Battery lasts for up to 8 hours or 100 transactions.
• Can also be used to sell online via Zettle Ecommerce.

Full list of supported devices

Zettle Card Machine Cost

While there have been a few versions of the Zettle card reader, the current Reader 2 retails for £59 + VAT. However, until 31 October 2021 you can now get one for only £19 + VAT by clicking here.

This makes the Zettle card reader one of the most competitively priced in UK market at this time.

Zettle Transaction Fees

Zettle by PayPal now only charges a flat 1.75% fee per transaction.

Previously, its transaction fees were charged on a sliding scale. Merchants with low payment volumes were charged 2.75% per transaction. This fell to as low as 1% per transaction for businesses processing more than £40,000 worth of payments per month.

The minimum amount per transaction is £1 for all accounts with the maximum amount being £5,000 for Chip-card (incl. contactless) & PIN processed by business account holders.

Overall, Zettle’s fees are among the lowest in the industry. However, you’re still advised to compare them against the other options below and normal PDQ machines.

Zettle Set-Up & Monthly Fees

One of Zettle’s greatest selling points is that there are no set-up fees (beyond buying a card reader) and no monthly fees either for their regular GO account. This makes them an attractive option for new businesses and those that are unsure how much they’ll use their machine.

However, they do offer a premium account called GO PLUS which costs £20 per month.

Zettle Contract

Another major selling point for the Zettle card reader is the fact that you are not required to sign a contract, unlike most traditional merchant account providers. This means you can use them for as long or short a period as you like.

Zettle Add-ons

The Zettle card reader requires the Zettle by PayPal app (available for both iPhone and Android) to function properly. Beyond that there are a whole host of add-ons that can turn the card reader into a full fledged point of sale system.

These include:

• Stands & Docks
• Receipt Printers
• Barcode Scanners
• Cash Drawer
• Store Kits

Overall, these add-ons greatly extend the functionality of the Zettle reader, but be aware the costs for some of the items may be more than equivalent price you’d pay for the same item on a standard EPOS system.

Zettle Summary

Overall, the Zettle credit card machine is great option for businesses looking to get started taking card payments. While their fees are not the lowest in the industry they are very transparent and do drop as volume increases.

Moreover, the fact you do not need a contract to get started and there are no ongoing costs besides transaction fees, makes Zettle a top choice when it comes to mobile credit card machines for small businesses.

If you’re ready to give them a try, get started by visiting the Zettle nby PayPal website here.

If you’d like to learn a bit more about them, read out full: Zettle by PayPal Review.

2. Square

Square is an American company and is the largest provider of mobile credit card machines and readers in the world. Although they’re still relatively new in the UK, they have quickly become the second most popular option among small businesses searching online.

It was co-founded by Jack Dorsey who also co-founded Twitter and currently handles over £40 billion ($60 USD Billion) worth of payments globally each year.

Below we look at the costs along with some of the pros and cons of using the Square Reader to handle your payments.

Square Reader Features

• Square lets you take chip and PIN cards, contactless cards and other mobile payments.
• Accept Visa, Mastercard and American Express all for one low rate.
• See deposits in your bank account as soon as the next business day.
• Includes a a free point-of-sale app (Works on Apple and Android devices including both Smartphones and Tablets).
• Option to save cards on file
• Can also be used to sell online, by phone and collect payments via invoices

To see all features visit the Square website.

Square Reader Cost

The Square Reader is now priced at exactly the same price as the Zettle Reader, at just £19 + VAT, making it very affordable.

You can buy it directly on the Square website.

Square Reader Transaction Fees

Square’s transaction fees are pretty much exactly the same as Zettle’s just 1.75% for chip & pin or contactless payments (for all cards including Amex).

For keyed-in (e.g. phone orders), online or invoice payments they charge 2.5% due to the slightly higher risks involved.

And unlike Zettle there are no minimum transaction value.

So if you’re just going to use it as card machine, you’ll get one of the best rates in the market today with fewer restrictions.

Square Set-Up & Monthly Fees

Beyond paying the £19 for the card reader and the transaction fees above, there are no other hidden or monthly fees from Square.

However, like all the devices listed on this page you’ll need a valid data plan with your mobile phone provider.

Square Contract

There is no contract required for using a Square Reader and no charges for inactivity.

Square Add-ons

Of all the mobile credit card readers on this page, Square currently has the most to offer in terms of add-on features and functionality.

Some of these include:

• Square Terminal: All-in-one device that allows you to take payments and print receipts from one machine.
• Ability to use your iPad (or Android Tablet) to process payments, in addition to your smart phone.
• Inventory management via the App.
• Invoicing software that allows people to pay you via card online (2.5% rate applies).
• Ability to sell online via their Ecommerce API. (2.5% rate applies)
• Virtual Terminal so you can take payments by phone or mail (MOTO payments) – 2.5% rate applies.
• Can synch with other apps and software you use for things such as accounting, analytics, e-commerce and more.
• Can track employees performance via the app. (£3/month per employee for all features)
• Can track multiple locations.

Square Reader Summary

While the Square Reader is the core payment processing product offered by Square, it’s more than just a simple card machine. If you wanted to, you could use Square to manage payments across your entire business.

The basic card reader now costs the same as Zettle. With their fees being identical, the real choice comes down to how many additional features you need.

If all you need is a card reader and nothing else both Zettle and Square will do the job well. But if you need additional features Square likely has a few more and they also offer the Square Terminal if you need something more.

To get started with the Square visit their website here.

For more read: 2021 Square Card Reader Review – UK Payment Fees & Pricing Compared

3. SumUp

SumUp is a dedicated, standalone credit card machine provider similar to Zettle. They also recently purchased payleven, which offered a similar product.

SumUp’s major selling point is that it offers a simple, flat transaction fee. This is great for businesses that process low volumes of card transactions. However, for businesses that process a higher volume of payments it might not be the right choice.

SumUp Features

• Accept all debit and credit cards
• Pay with tap of their card or their phone (contactless), Chip & PIN or magnetic swipe
• No fixed monthly costs
• 100% online application with no contract and no paperwork
• Card reader connects via Bluetooth and is compatible with iOS / Android phones and tablets

SumUp Machine Cost

The SumUp Air card machine currently costs £29 + VAT (click here to buy). This is lower than Zettle’s normal card reader price, but higher than their current promotion price or Square’s normal price.

They also offer a 3G Card Reader which costs £69 + VAT, which eliminates the need for a smart phone.

SumUp Transaction Fees

SumUp’s major selling point is the low initial transaction fee of just 1.69%. This is the marginally lower than either Zettle or Square who charge 1.75%.

This makes them the among the cheapest options for businesses that are unsure how much they’re going to be processing each month or businesses that process variable amounts per month (e.g. seasonal businesses).

SumUp Set-Up & Monthly Fees

Similar to all the other companies featured here, there are no set-up (beyond buying a card reader) and monthly fees to use SumUp Air. You also get free delivery of your card reader, free Android / iOS app, free dashboard with reporting, and free telephone and e-mail support.

SumUp Contract

You do not need to sign any long-term contract to use SumUp.

SumUp Add-ons

Unlike Zettle, SumUp does not offer official add-on products to extend the usefulness of their card reader. However, they do list compatible receipt printers that work with the SumUp Air.

SumUp Summary

SumUp is currently a strong alternative to Zettle and Square for businesses with lower transaction fees, but without all the bells and whistles of their competitors.

To get started with SumUp visit their website here.

Or to learn more read our 2021 SumUp Review – UK Card Reader Fees & Pricing Compared.

4. MyPOS

MyPOS is the newest entrant to the card machine market in the UK, and offer a much wider range of readers than the companies above.

MyPOS Card Reader Features

• Offer a range of machines from the GO to the N5
• Eco-friendly and paper-free
• Colorful LCD display
• Powerful battery
• 1 year warranty
• 30 Days money-back guarantee
• myPOS Account
• myPOS Business Debit Card
• Free DATA card

MyPOS Card Reader Cost

Unlike most of the other companies on the list, MyPOS offer a range of machines. The cheapest is the MyPOS GO at just £29 + VAT. The most expensive is the MyPOS N5 at £299 + VAT.

You see their full range here.

This means price of a GO reader is inline with SumUP and slightly more expensive than either Zettle or Square.

MyPOS Transaction Fees

Similar to other readers, MyPOS charges 1.75% per transaction although they do state that “The Transaction fee is displayed for indicative purposes and may vary depending on your business activity, geographical location and other factors.”

MyPOS Setup & Monthly Fees

Besides buying one of their credit card machines, MyPOS advertise no monthly costs.

MyPOS contract

You don’t need to sign a long-term contract to use MyPOS and there are no requirements for minimum turnover. Moreover, your account can be set-up in 5 minutes as is free.

MyPOS Addons & Accessories

MyPOS offers two sets of addons and accessories. The first have to do with the myPOS account:

• Multi-currency account with free IBAN
• Instant access to funds from all channels
• Cost-effective SEPA and SWIFT transfers
• Ability to offer private Label GiftCards
• myPOS Business Debit Card
• Earn additional income by recharging prepaid phones and services directly from your POS device

The second are accessories for the card readers themselves these include:

• Customised silicon cases
• Charging docks (including docks that can charge up to 5 machines at once)
• Car chargers
• Backup power chargers
• Privacy screens

You can see the full range on their website.

MyPOS Summary

MyPOS are an interesting option when it comes to mobile card readers, since they offer something slightly different from Zettle, Square and SumUP. With a larger range of features and an account that works almost like a bank account they can act as an all-in-one solution to your payment needs.

Moreover, their fees are inline with both Zettle and Square at just 1.75%.

With a wide range of machines and lots of unique accessories that allow you to customise your machine they are at least worth a look.

Visit the MyPOS website to learn more

5. PayPal Here

Paypal Here is PayPal’s mobile credit card machine solution. While not as competitively priced as the Zettle card reader, it does benefit from integration with PayPal, one of the best known names in online payments.

PayPal Here Features

• Accept card and contactless payments without monthly fees.
• Payments reach your PayPal account in seconds.
• Works with Apple Pay and Android Pay.
• UK-based customer support team.
• No fixed term commitment

PayPal Here Machine Cost

The PayPal Here card machine costs £75 including VAT (£62.50 exc VAT). This makes it marginally more expensive than the Zettle card reader’s normal price.

PayPal Here Transaction Fees

PayPal Here’s transaction fees start at 2.75%. However, their fee structure is quite a bit more complex than Zettle’s or SumUp’s, with their lowest fee dropping to 1.5%, 0.25% lower than Zettle.

To qualify for their Merchant Rate you need to process at least £1,500 worth of payments per calendar month. They then offer a Blended fee structure or an Interchange Plus fee structure. The differences between the two is not huge, which can make selecting the right even more difficult.

Overall, Zettle offers lower fees at most monthly transaction levels.

PayPal Here Set-Up & Monthly Fees

There are no set-up (beyond buying the card machine) or monthly fees for using PayPal Here. And if you already have a Paypal Business account you can get up and running right away.

PayPal Here Contract

PayPal Here does not require a monthly contract.

PayPal Here Add-ons

There are variety of add-on products you can purchase with your PayPal Here card reader to extend its functionality. These include:

• Taxi Cab Bundle
• Bouncepad
• Retail Stands
• Fast Charge Cradles
• POS desk stands and mounts

PayPal Here Summary

Overall, the main selling points of PayPal Here over Zettle are that it integrates with your PayPal Business account and may offer slightly lower fees. This allows you to manage online and offline payments in one place and helps get you up and running more quickly since you can apply and pay for your PayPal Here card reader using your PayPal Business account.

In terms of features there’s not much to pick between the either company’s credit card machine.

However, in terms of fees, Zettle’s are likely to be lower than PayPal Here at most transaction levels. Combine that with more a greater diversity of add-on products and a lower initial machine cost and Zettle looks like the more attractive option for businesses only interested in handling in-person card payments.

6. WorldPay Zinc

WorldPay Zinc is WorldPay’s mobile credit card machine solution for small businesses. WorldPay is the UK’s largest credit card processing company and also offers a range of other credit card machines and merchant services for both offline and online payment processing.

WorldPay Zinc’s one major advantage over the other credit card machines above is that it can be used to handle phone payments as well as in-person payments. However, the major disadvantage is that their keypad does not currently accept contactless payments.

To process contactless payments with WorldPay, you’ll have to go for one of their full priced card machines.

WorldPay Zinc Features

• A secure Chip & PIN solution from the UK’s leading card payments company.
• Works with iPhone, iPad, Android phones & tablets.
• Take payments face-to-face or over the phone.
• Instant issue receipts via email or SMS
• Keypad comes with a 12-month warranty

WorldPay Zinc Machine Cost

At the time of writing, the WorldPay Zinc Chip & PIN Keypad is only £39.99 (incl VAT). It has previously sold for as much as £79.99, making it more expensive than Zettle’s current promotional price, but roughly in-line with both Zettle and PayPal Here in terms of cost.

WorldPay Zinc Transaction Fees

WorldPay Zinc has two pricing options in terms of fees. The first is 2.75% per transaction with no monthly fee. The second is 1.95% per transaction if you pay £5.99 a month.

This means your fees with WorldPay Zinc could be lower the same as SumUp or higher than Zettle.

WorldPay Zinc Set-Up & Monthly Fees

Similar to the other companies above, there are no set-up fees (beyond keypad) with WorldPay Zinc. However, there is an optional monthly fee of £5.99 per month, which drops your transaction fee from 2.75% to 1.95% (see above).

WorldPay Zinc Contract

Neither, WorldPay Zinc fee structure requires any commitment or long-term contract.

WorldPay Zinc Add-ons

For the WorldPay Zinc card reader to work, you’ll need to download their free app. They also offer the WorldPay Zinc online portal where you can process phone orders. However, they do not have an official list of additional hardware you can use to extend the card reader. But, they do state you can connect a Bluetooth printer to your phone and print receipts.

WorldPay Zinc Summary

WorldPay Zinc is a very stripped-down mobile credit card machine solution, presumably because WorldPay does not wish to compete with its higher margin, traditional PDQ machines.

Nevertheless, WorldPay Zinc may be a good solution for small businesses processing less than £5,000 per month in card transactions and who don’t need to accept contactless payments. It may also be a good solution if you take payments by phone and in-person but not online.

7. SmartTrade App

SmartTrade App is different from all the solutions above since it’s aimed at tradespeople and does not even require a card reader. Instead you just scan your customer’s debit or credit card with your smartphone. It also offers 3 different payment options: Face-to-face, over the telephone or through emailed paylinks.

In another twist, they offer you the ability to pass on your card fees to your customer so you in effect pay nothing.

However, all these features do come at a cost since their fees are generally a bit higher than some of the competing products above. You can learn more below.

SmartTrade App Features

• No credit card reader required
• 0% per card transaction option (roll onto customer bill)
• Create professional customised invoices
• Send paperless quotes to customers and get them accepted in one click
• Accept Visa, Mastercard and Amex, as well as all major foreign cards

SmartTrade App Machine Cost

Since you don’t need a credit card machine to use the SmartTrade App, you don’t need to pay anything upfront. They also offer a 30 day free trial of their service.

SmartTrade App Transaction Fees

The fees to use SmartTrade App vary from 2.15% + 20p Credit card fees to as low as 1.75% + 20p Credit card fees depending on the plan you choose. While the percentage taken is lower than some competing products, keep in mind you also pay 20p per transaction, no matter the size. So if you process a lot of very small transactions this could really add-up.

They also offer a 0% per card transaction option whereby you roll all the fees onto your customer’s bill.

SmartTrade App Set-Up & Monthly Fees

There is a free 30 day trial to get started with SmartTrade App. After that you’ll have to pick one of their 3 plans. They are:

• Sole Trader: 1 user and 2.15% + 20p fee – £9.99/Month (£101.90/Year)
• Business: Up to 15 users and 1.85% + 20p fee – £26.99/Month (£275.30/Year)
• Enterprise: Up to 50 users and 1.75% + 20p card fee – £89.99/Month (£917.90/Year)

SmartTrade App Contract

You can cancel your contract at anytime and you get the first 30 days free.

SmartTrade App Add-ons

SmartTrade App is a standalone product so does not offer much in the way of add-ons. It does allow for easy integration into accounting packages like Xero and Quickbooks. You can also access the app on any Apple or Android Device or online through any web browser. They also offer a web dashboard to manage all payments, invoices, and quotes.

SmartTrade App Summary

The SmartTrade App makes sense for tradespeople who don’t want to bother with a credit card machine, those who want to be able to accept payment by phone or those who want a zero fee card payment option. However, their per transaction fee and monthly plans mean, it may not be right for all merchants, only those who process relatively few, high value transactions.

To learn more about SmartTrade App visit their website here.

Final Verdict

• Zettle: Perfect if you just need a card machine. Sign-up for Zettle Here
• Square: Perfect if you need more than just a card machine. Sign-up for Square Here
• SumUp: Great for getting started. Sign-Up for SumUp Here
• PayPal Here: Best for online integration with PayPal.
• WorldPay Zinc: Good for those who need to accept phone payments or those who want to work with an established brand in the payment space. Apply to Zinc here.
• SmartTrade App: Best for those who don’t want a card reader or those who don’t want to pay any fees. try the SmartTrade App Here.

For a quick comparison you can also have a look at: Zettle vs Paypal, Worldpay, Square & Sumup: 2021 Reader Comparison

The rankings above are based on monthly online searches, and do not reflect the quality of the products themselves.

Note: We have partnership agreements with Zettle, Square, SumUp, MyPOS, Worldpay and SmartTrade App. They each pay us a commission if you sign-up and start using their services. We genuinely think they offer great mobile credit card machines and processing solutions for UK small business, but we leave the final judgement up to you.