How to start using a card payment machine in 4 easy steps

Does your business need to upgrade to a card payment machine? Here’s how to get started


Contactless card payment being processed






Being able to make sales using a card payment machine has never been more important.

Cards have overtaken cash as the preferred payment method for customers, and the events of this year have further accelerated the path towards contactless transactions.

It’s not even just about Chip and PIN card payments anymore.

Today your business needs a card payment machine that can accept traditional Chip and PIN transactions and contactless cards, but also newer payments like digital wallets.

Don’t know how to get started?

It’s simple, and you can be up and running in just four simple steps.

1. Choose a merchant services provider

Any business that wants to accept card payments needs a merchant account.

It’s an essential part of the transaction process, a place where your funds are held until they are released to your business bank account.

To make life simple, many card payment machine providers can help you get set up with a merchant account.

Who you choose to provide your card payment services is a big decision.

You need to consider key services like support, ongoing charges and reliability.

It’s important to choose a merchant service provider that works for you.

If you choose the wrong one, it will cost you money.

We recommend carrying out a comparison when shopping around, as many merchant service providers add unnecessary charges and hidden fees.

Plus, you need to make sure that they offer the card terminal you need.


Illustration showing ecommerce and digital shopping



Phone contactless payment being processed

2. Choose the right card payment machine

There are a number of different options to choose from when it comes to your card machine and how you’ll accept card payments.

If you’re taking payment in store or in person, then you’ll need a physical card machine.

Not sure which is the best option for your company?

There are typically three options to choose from, to suit a range of business types:

Countertop card machine

  • Used at a fixed point in your store, usually a till point
  • The traditional terminal type, used primarily in retail
  • Great for businesses with a single point of purchase
  • Affordable and simple to use


Portable card machine

  • Can be used anywhere in your store within range of the base unit
  • Ideal for businesses that prefer to take payments to the customer, or need to have more than one point of purchase
  • Popular in hospitality businesses
  • Used widely for table service


Mobile card machine

  • Allows you to take payments ‘on the go’
  • Connects to the strongest GPRS network to accept payments wherever you make sales
  • The perfect choice for tradespeople and travelling sales operations
  • Increases safety by minimising cash transportation

3. Budget for costs

When you use a card payment machine, you’ll be able to make more sales.

Which means you can take more money.

You can serve customers faster, and have more time to restock and improve the customer experience.

As expected, using a card payment machine does require some investment.

You’ll have to pay to rent the machine and pay the associated transaction fees.

It’s important to find a provider who minimises those costs, to get the most profit out of each sale.

Some providers add a range of charges that are unnecessary, such as a minimum monthly service cost or PCI DSS fees.

Make sure you understand every charge you’ll face from your card payment machine provider, before you sign the contract.

That way, there’ll be no nasty surprises when you receive your first bill.

Shops that offer card payments can see a boost when making the switch from operating as cash only.

It’s important to determine the cost of the investment up front, against the long-term financial benefits you’ll see from accepting card payments.


Hand drawing on a screen showing a graph with an upward trend


Contactless card payment being processed

4. Start using your machine and taking more money

Once you’ve chosen the provider for you and completed the application process, you can be up and running in a number of days.

When you receive your terminal, follow the instructions provided to set it up and complete a test transaction.

Train your staff on how to use the card machine and allow them to familiarise themselves with the process. It’s going to be a great benefit for them.

With that, you’re up and running.

It’s that simple.

Advertise to your customers that they can now pay using their card. You can post it on social media or on your website – don’t forget to advertise it in-store too.

Get started with a Handepay card payment machine

Want to get started straight away?

We can have you up and running in as little as three days. With our transparent and affordable solutions, you can expand payment options and maximise your profits with Handepay.

Get in touch with us today and one of our team can help you get the ball rolling.


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.