Card Machines

  • Flexible contract lengths starting from one-month rolling for switchers
  • Countertop, portable and mobile options
  • Improve cash flow and get your money the next banking day*
  • No fees for PCI DSS compliance or non-compliance
  • 24/7 customer service



All of our terminals can accept card payments using contactless payment technology. They accept all major debit and credit cards, as well as Apple, Samsung and Google Pay.

Contactless Limit Update | All you need to know

Card payment machines for your business

Card payments are the lifeblood of the vast majority of businesses nowadays - so it’s essential to have a simple and cost effective card machine service provider on your side. Handepay has a variety of card machine payment solutions ideal for a range of services.


We make it simple...

  • Flexible contract lengths starting from one-month rolling for switchers
  • Accept contactless payments including Apple Pay, Google Pay & Samsung Pay
  • Improve cash flow and get your money the next banking day*
  • No minimum monthly service charge (MMSC)
  • No fees for PCI DSS compliance or non-compliance
  • Free Business Resource Centre


*The accelerated settlement service incurs a fee of £4 per month charged by EVO, our card acquirer. Providing your card machine performs a reconciliation before 12am (midnight), you’ll receive settlement of funds the next banking day. 



Which card machine is right for me?

This entirely depends on you and the needs of your business.




We find that countertop card machines are your best bet if you’re a retail business, for instance.

That’s because this type of card machine is ideal for fixed location payments. It does exactly what it says on the tin - providing a hassle-free way of accepting card payments, right at the designated point of sale.

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Then, there’s portable card machines. Portable card machines are the perfect way to accept card payments while you’re on your feet.

Usually this might mean settling up the bill at a restaurant table, for example. You can take the terminal right to the customer with a portable card machine - as they’re connected via WiFi. 

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So, this covers card payments under a single roof - but what if you’re out on the road?

Mobile card readers connect via GPRS, so your business can roam freely as required. This makes them a
handy solution for delivery services, tradespeople and even the likes of market sellers doing business out
in the open.

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Whichever card payment machine you choose - rest assured that you’ll be able to accept quick and effective contactless payments across all types of terminals. Not only does this provide your customers with more alternative payment options, but also enables you to serve them more efficiently with quicker transactions - no matter where the payment is made.



The benefits of taking card payments


It's a fact.

Far less people are carrying cash around today than they were 10 years ago. According to UK Finance - it’s predicted that cash will only account for around 16% of all payments by 2027. That’s a small proportion when you consider the amount of different payments and transactions you could make.

Card payments are only becoming more and more common, so opening up your business to this payment method will broaden your horizons in the long term. Accepting card payments actually makes it much easier for your customers. It takes away the inconvenience of needing to physically withdraw cash from an ATM, and speeds up the transaction process - meaning less time spent queueing, or dividing out change. It also has an added security benefit. With less cash lying around, your business is less vulnerable to theft. Digital payments are much more secure - especially contactless payments, which alleviate the need to type out your PIN in public view.

All of our new Castles card machines are certified to the industry's latest security standard PCI PTS 4.0 or PCI PTS 5.0.




Switching your credit card machine provider?

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

In fact, we’re so confident that we won’t be beaten on price - we’re even willing to carry out a no-obligation review of your current merchant services costs.

If we find that we can’t save you money, we’ll give you £1,000 on the spot!

This is all part of our Price Challenge, which is a no-brainer if you’re thinking about making the switch.




new to cards

Are you new to card payments?

Perhaps you’ve only just warmed up to the idea of using credit card machines in your business?

That’s no problem. It’s never too late to start accepting card payments (especially when you consider the rate at which card payments are on the rise!).

If you’re new to card payments - then we’d love to discuss your options with you.

As mentioned above, the card machine services available through Handepay are ideal for a range of different businesses, so why not explore your options with us today?



Why choose Handepay as your
credit card machine provider


When you choose Handepay as the card machine provider for your business, you’re not just opening your world to fast, reliable and cost effective card payments.

There are a variety of other benefits that make us an ideal solution for all your card payment needs.


These include:

  • 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 cover your fees when you switch to us. Our team is on hand to help you switch and save

  • 28,000 customers

    28,000 customers

    We have a loyal and happy customer base - which is reflected by our ‘Excellent’ Trustpilot rating

  • Service & support

    Service & support

    We’re available around the clock to respond to your needs - with 24/7 service and support

What our customers say




Mac Tools Bristol

“I can accept mobile payments in more locations thanks to Handepay! I was over the moon when I discovered that I could save 51% on my mobile payments fees, which works out to just under £100 per month!"



Credit card machine FAQs



Card machines are simple to use. First and foremost, they need to be connected to either WiFi, GPRS, or an analogue phone line. To accept card payments, the customer needs to insert their card for Chip and PIN, or simply hover their card over the card reader for contactless (transactions £45 and under).

Essentially, they all reference the same thing. A PDQ machine isn’t any different to a card machine - nor is a card reader. They all perform the same function - in processing data to perform a digital transaction through Chip and PIN or contactless.

Yes - all of our card machines can accept contactless payments. All the customer needs to do is present their contactless device or debit or credit card  to the card machine screen.

With Handepay, you can accept both 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.

With Handepay you will pay a rental fee for your card machine and then a small percentage of each transaction value. You won’t pay a minimum monthly service charge (MMSC), authorisation fees or PCI compliance and non-compliance fees.

If you have an up-to-date card machine, you should be able to accept mobile payments like those using an eWallet on a smartphone or wearable device.

These payments work just the same as a contactless card payment. Simply ask the customer to place their device on the card machine, and the transaction will be completed in a few seconds, provided they have the money in their account.

Older card machines may not have the technology built in to accept these newer types of payments.

Your card machine may display types of payments you’re able to accept.

If you’re not sure, the easiest thing to do is contact us and we’ll be able to tell you if your current card machine is able to accept mobile payments.

It doesn’t matter whether you're new to card payments or looking to switch from another provider - we can help you find the right countertop card machine for your business.

Find out more today


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.