6 signs it’s time to upgrade your card payment machine

Are you starting to experience problems accepting card payments? Maybe it’s time to upgrade to a better card machine



Business owner holding Handepay Card Payment Machine

A card payment machine has become an essential part of running a business.

  • They’re fast
  • They’re efficient
  • They’re something your customers expect you to have

Not just a Chip and PIN card machine.

Customers now expect other functions to be available as standard.

If you run a business, you might already accept card payments.

But, if you’ve been using the same card machine for years, you might have started to notice a few problems.

Technology moves quickly in business.

And payment technology is no exception.

In this guide we’ll highlight some signs that it’s time to upgrade your card payment machine.

Number one

Your card machine runs slowly

One of the main benefits of a card payment machine is transaction speed.

Card payments are much faster than cash, allowing you to accept transactions quickly and simply.

Your card payment machine should allow you to serve more shoppers, reducing queue times.

Over time, your card payment machine may become less efficient, not functioning at the same level it used to.

If you start to experience problems with your terminal’s speed, it’s time to upgrade.


Person holding a card over a contactless machine to pay


Number two


You can’t accept contactless card payments


Contactless card payments are quickly becoming the go-to payment method for busy customers.


In the last few years, we’ve all been encouraged to move to contactless to make payments in a safer, more hygienic way.


Consumers across the UK took this advice on board and are using contactless cards and mobile wallets more regularly.


They expect contactless payments to be available wherever they shop - whether you’re the local corner shop or the big supermarket.


If you’re still relying solely on Chip and PIN to accept card payments, you might want to try a new contactless card machine.


Contactless payment using phone at the bar of a pub

Number three

Your software is out of date


Are you experiencing problems with your card terminal?


Do you find yourself having to restart or reboot your machine more often to overcome problems?


This could be a sign your payment software is becoming outdated.


If your current supplier isn’t able to supply you with the best software updates, you should consider upgrading to a more modern card payment machine.


Contactless phone payment

Number four



Your business isn’t ready for future payment developments

The payment industry moves quickly.

Only a few years ago, cash was the dominant payment method, with most consumers choosing to use notes and coins.

Then debit cards and Chip and PIN came along.

However, in the past few years, contactless card payments have reigned as the most popular choice.

This is due to a rise in emerging payment technology, such as mobile wallets. Apple Pay, Google Pay and Samsung Pay are now widely used by smart device owners.

In fact, many of these apps are pre-installed on every new phone sold and enabling mobile payments on a smartphone is now a part of the initial device set-up.

Who knows what new payment technology is around the corner?

Upgrading your terminal ensures that you future-proof your business.


Contactless payment taking place in a shop during covid times

Number five


You’re not using a card machine suited to your business needs

When first starting to accept card payments, many businesses choose a countertop card terminal.

They’re the most widely recognised card payment machine and are simple to use and cost-effective.

However, as your business grows, you may need a different type of terminal.

Portable and mobile machines allow you to take payments anywhere on your premises, or even out on the road.

They’re a great upgrade option for a growing business, allowing you to create a more flexible payment process for their customers.


Payment being processed by using phone

Number six


Your card machine is too expensive 

We’ve talked about the hidden costs involved in card payments many times before.

It’s a huge worry for independent business owners, who find themselves paying over the odds for accepting card payments.

Switching suppliers to get a better deal is common practice in the merchant services industry, and will allow you to get a better card payment machine to boot.

Here at Handepay, we’re dedicated to helping independent businesses like yours to save money and access top of the range card payment machines.

If you’re looking to upgrade, get in touch with us today.

One of our friendly experts can help you understand your current card payment costs and recommend the best payment hardware.


Contactless card payment being processed

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.