How to choose the right card machine for business growth

With so many options available, choosing the right card machine for business growth can be both confusing and time consuming. It’s important that you choose the right card machine for business growth, to ensure you maximise sales opportunities and increase profit.

Our quick guide will help you to understand the three main types of card machine for business and determine which is right for your company and your customers.

The first thing to consider is:

  • What do you sell?
  • Do you sell from one fixed location, a number of locations, or out and about?
  • How do you want people to pay you? Face to face or over the telephone?

Answering these questions will help you to determine the most important functions of a card machine for your business needs. Find out which type of card machine suits your business best below:

Countertop Card Machines

Countertop card machines operate from a fixed location such as a shop counter or reception desk, making them the perfect card machine for business owners who take payments in one location.

They can operate reliably via dial-up (using your phone line) or your existing internet connection. They’re easy to use with a small footprint which fits neatly onto most countertops, and are typically used by cafes, high street shops, convenience stores, newsagents, hotels, florists and restaurants.

To find out if a countertop card machine is right for your business, click here.

Mobile Card Machines

A mobile terminal is the perfect card machine for business owners who need to take payments on the go. Mobile card machines have a SIM card like a mobile phone and use GPRS technology to process payments.

They can be taken out and about, making them the ideal card machine for businesses such as delivery services, market traders, photographers, takeaways and builders/plumbers/electricians.

You will need a phone signal to use a mobile card machine, however many mobile card machines now come equipped with a roaming SIM card. This ensures that the machine connects to the strongest available network, to process payments quickly.

To find out if a mobile card machine is right for your business, click here.

Portable Card Machines

Sometimes, it’s more convenient to take your card machine to the customer, rather than asking them to move to a till. Similarly, some businesses have multiple points of sale around their premises, allowing customers to pay anywhere.

A portable terminal is the ideal card machine for businesses who operate in this way, making it a popular choice for restaurants, cafés, hotels and the beauty industry.

Portable card machines operate within a certain radius of their base unit, which connects to your phone line or internet connection just like a countertop card machine. The terminals use Wi-Fi technology to process payments, and can hold their charge for hundreds of transactions.

To find out if a portable card machine is right for your business, click here.


If you’ve found the perfect card machine for your business needs, it’s important that you find a reputable company to provide it. At Handepay, we’re dedicated to helping independent businesses grow by providing cost-effective card machines.

All of our card machines are certified to the latest industry standards, and come equipped with contactless functionality. This allows you to securely accept payments, whilst opening up your payment options by accepting contactless cards and payments from mobile wallets.

To find out how a Handepay card machine for business could help you grow your company, get in touch with one of our friendly advisors!

Financial disclaimer:

Terminal hire contracts are provided by Merchant Rentals Limited, who is authorised and regulated in the UK by the Financial Conduct Authority (FCA) for Consumer Hire under FRN 720500. Terminal hire can be for consumer hire and non-regulated hire contracts. Please check your contract carefully for details. Regulation of all consumer hire fall under the control of the FCA.

Handepay Ltd is authorised and regulated by the FCA for Consumer Credit under FRN 673564. Handepay is a credit broker for consumer hire not a lender.

Handepay acts as an introducer of card acquiring services on behalf of EVO Payments UK, the card acquiring service provider. EVO Payments UK is the trading name of EVO Payments UK Ltd, a payment institution that is authorised and regulated by the Financial Conduct Authority (FRN number 959332).

Existing Cards Businesses- The one-month rolling terminal hire contract from Merchant Rentals is only available to businesses that are switching from their current acquirer to EVO Payments UK arranged through Handepay.

New to Cards Businesses- The 12-month terminal hire contract from Merchant Rentals is only available to businesses that are new to card payments and wish to receive acquiring services from EVO Payments UK, arranged through Handepay.

The Next Day Banking Settlement service provided by EVO Payments UK incurs an additional fee of £4 a month on top of your acquiring service charges and fees. Provided your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day.

Editorial disclaimer:

The information we provide does not constitute financial advice and might not apply to your business. Always carry out research into your business’ needs when choosing a new merchant services provider.

Sometimes, we link to other third-party websites to provide you with additional information. At the time of publication, we consider the information accurate, however, we do not have control over their content and are not responsible if any information on these websites change.

The products we display on our website are for illustrative purposes only - if your business requires additional facilities, you may receive a different model than advertised.

All of the information contained on this website, including fees, services and functionality, are correct at time of publishing. E&OE.