Card Payment Machines for Small Businesses


A card machine for small business can help you take more payments, accept payments faster, and reduce your admin at the end of the day.

It’s also safer than relying on cash payments because it removes the risk of counterfeit money.

Plus, with more customers using debit and credit cards, or digital wallets to make payments, the needs to use a card machine for small businesses has become more important to keeping up with customer expectations.

Whether you want a simple Chip and PIN machine or a contactless card reader for your small business, we can help you make taking payment quick and simple.



What our customers say


“The service I’ve received from Handepay and my advisor has been brilliant. Everything has been so simple, honest and transparent. If I ever need any advice, I know he is only a phone call away.

Handepay enabled my café to start taking card payments at a great price.”

Ahmed Abdullah, The Dragon’s Back


“Our local Business Development Manager made an appointment with us to look over a recent bill. When he explained the Handepay Price Challenge to us, we quickly emailed our statements to be analysed, and were thrilled to discover that our total monthly saving totalled £104.22.

Saving over £1,200 per year on card processing fees has allowed us to invest more money growing our business. In my opinion, taking the Handepay Price Challenge is a definite must for all business owners.”

Pam Kaur, Locomotive Bar

Trustpilot logo for being rated excellent by customers



Using a card machine as a small business


With our card machines for small businesses, you’ll benefit from having the latest equipment and technology to accept card payments from your customers however they choose to pay.

We also don’t charge fees that many other providers do. We make it simple...


  • Accept contactless payments including Apple Pay, Google Pay & Samsung Pay
  • Take card payments tailored to suit your business needs
  • No minimum monthly service charge (MMSC)
  • No fees for PCI DSS compliance or non-compliance
  • Free Business Resource Centre


We help you to focus on what you do best without the worry of hidden fees or nasty surprises when you receive your bill.

We’re FCA regulated and pride ourselves on our fantastic reputation for being an honest and reliable card machine provider to small businesses.




Don’t take our word for it…


“I was surprised when I found out I could save almost £100 each month, an overall saving of 23%. Over the length of the credit card reader contract, we’ll save just under £5,000. What’s more, Handepay even offered to give me £150 to cover the exit fees from my previous provider.”

Andrea Murdock, Hotel Commodore


“We were thrilled when we found out that we could save £161 per month by switching to Handepay, however we were concerned about the high cost involved with cancelling our previous contract. We were surprised when our Handepay business development manager told us that we were eligible for the Handepay Easy Switch service, and would receive £1,270.51 to cover our cancellation fees.”

Pam Kaur, Locomotive Bar


“I’m so glad that I switched to Handepay, not only have I made amazing savings on our card readers but it’s improved the day to day running of my business.”

Ian Ritchie, Muffins Tea Rooms and Restaurant

Which card machine is right for my small business?

As every small business is different, we provide a range of card payment machines ideal for a variety of purposes.


If you’re a retail business, a café or convenience store, a countertop card payment machine is the perfect choice for your small business. Allowing you to take payments at the till, a countertop card machine is compact, secure and easy to use.


Connected via WiFi, portable card machines allow you to take secure card payments anywhere in your business. So if you're a restaurant, for example, this would be the ideal card payment machine for your small business as you could take payments from customers at the table.


If you’re out on the road, a mobile card payment machine could be the best solution. Popular with delivery services, tradespeople and market traders. GPRS technology allows you to take payments on the go meaning you can offer a card payment facility to you customers anywhere.



Switching icon


Switching from your current card payment machine provider to Handepay needn't be a hassle.



• Send us a recent merchant statement
• Our dedicated pricing team will review what you currently pay, and highlight the savings to be made
• We have a team of expert advisors on hand to make sure the switch goes as smoothly as possible
• If you're still in contract with another provider, in most cases we'll even pay your switching fees!

To make sure switching is in your best interest, we offer a Price Challenge where we'll carry out a no-obligation review of your current card processing costs. If we can't save you money, we'll give you £1,000!




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Need to take card payments for the first time?



Taking card payments has never been more important, and with Handepay it's simple and affordable.

• Get in touch with one of our expert advisors, who'll be able to help you choose the best solution for your business
• We'll send you a cost-effective quote, with no hidden fees!
• Once you sign up, we'll have your card payment solution up and running as soon as possible

Card transactions are now the most popular payment method in the UK, so reap the benefits of increased sales by offering your customers a convenient and safe way to pay.


Simple, affordable and secure card machines
for small businesses


Whether you’re switching provider or are new to card payments, we know that finding the right card payment machine for your small business is an important decision.

We're committed to providing the best possible pricing as well as the most up to date and secure card payment machines on the market.

When you join with Handepay, you won’t be charged a penny for common hidden fees such as joining fees, authorisation fees and PCI DSS compliance and non-compliance fees.



Why choose Handepay?


Accepting card payments is vital in today’s consumer climate. The majority of shoppers expect to be able to pay by card at your business, without any risk of fraud.

Staying PCI compliant and ensuring that your customers are paying securely is easy with Handepay. It’s not just PCI compliance we make simple:



  • No hidden fees

    No hidden fees

    In contrast to other card machine providers, we don't charge many of the fees you may find on your statement.

  • Hassle-free switching

    Hassle-free switching

    In most cases we’ll cover your fees if you decide to switch.

  • 28,000 customers icon

    28,000 customers

    With a customer base this large - it’s fair to say you can count on us. We’re also rated as ‘Excellent’ on Trustpilot.

  • Service & support

    Service & support

    Call on us whenever you need to. We’re available 24/7.

Not convinced that we can save you money on your current price?


Send us your most recent card machine statement and we’ll take an in-depth look at the fees you’re paying to show you where you could save money.

We’ll then send you back a detailed price comparison, which an advisor can take you through. On average, we save small businesses 36% on their fees.



Price Challenge Tag



If we can’t beat your current price, we’ll give you £1,000.

That’s either money off your monthly card machine fees, or £1,000 in your pocket.

What do you have to lose?



How card machines fit into a small business

Almost every small business you go to now has at least one card machine.


And with more customers than ever wanting to pay using a card, or contactless through a smartphone or device, it’s never been more important that you have the technology available to offer these types of payments to your customers.


With card machine technology developing and becoming more affordable, it’s never been easier to bring a card machine into your small business.


Whether you’re an independent trader who wants to use a mobile or portable card machine to take payments at events or on site with customers, or you have a small store and just need a basic countertop machine, there’s a card machine that will fit your needs.


And if you choose Handepay as your payment solution provider, you can make savings and benefit from reduced additional fees, which can quickly build up with other providers.


Plus, if you’re not sure which card machine is best suited to your business, our expert advisors can help you figure out the best solution so you get the most return out of your investment.

Start taking more payments with a card machine for your small business


Your customers value choice when it comes to how they shop and pay for goods.


Are you limiting and cutting yourself off from customers by only offering some ways to pay?


Maybe you’re still reliant on cash and Chip and PIN?


With a modern card machine in your small business you can adapt to take every type of payment your customers want.


Whether it’s contactless debit or credit cards, or digital wallets using a smartphone or device, you’ll be ready to accept payments quickly and securely with your new card machine.


Contactless payment


Get in touch today to talk about a better way to accept card payments in your small business

Take the hassle out of card payments for yourself and your customers.

Find out more today and let’s see how much we could save your small business on your card payment system.



Card machines for small businesses FAQs



Card payments are the most popular payment method in the UK, so it’s essential to have a card payment machine at your small business to ensure you’re not missing out on sales. Not only will this improve your cash flow, it makes taking payment quicker, reduces queuing times, and it’s much more secure than keeping cash on your premises.

This all depends on your business type. We offer a range of card payment machines to suit every type of business, get in touch with us so that we can discuss your needs and provide you with a completely tailored solution. 

From start to finish we’ll provide you with the help and support you need to get set up taking card payments. If you’re switching from another provider, we’ll guide you through the process and in most cases, we will pay the fees it costs for you to exit your current contract. It’s also really simple to set up your card machine, with a simple plug and play installation. 

With Handepay, you can accept all major debit and credit cards through our card machine terminals. We also enable you to accept contactless payments through Apple, Samsung and Google Pay via the appropriate devices.

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.