Card Readers


We make taking card payments simple with our range of credit and debit card readers.

Every small business is different, so we offer a range of payment card readers to suit the way you work. Whether you need a countertop, portable or contactless card reader, we can get you set up quickly with the added benefit of low rates and no hidden fees.

With Handepay it's simple...

  • 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


Card reader machines for your business


More than 16 billion debit and credit card payments were made in Britain in 2017 according to UK Finance. This increase means that it’s never been more important for businesses of all sizes to get set up with a card reader machine.

With Handepay it’s simple.

Unlike other card reader providers, we don’t charge joining fees, authorisation fees or PCI DSS compliance and non-compliance fees. Our pricing is easy to understand, meaning you won’t find any hidden extras when you receive your monthly statement!

It’s our mission to help your business grow with the right type of card reader – whatever line of work you happen to be in.

Whether you’re new to taking card payments or are looking to switch your card reader provider, you can use Handepay’s secure equipment and technology. All of our card reader machines accept major credit and debit cards as well as contactless and mobile payments including Apple, Samsung and Google Pay.


What is the difference between a card reader
and a card machine?


There’s absolutely no difference between a Handepay card reader and a card machine. You may also hear or see phrases such as ‘card terminal’, ‘Chip and PIN machine’ or ‘PDQ machine’ but they all do the same job.

They all help you to grow your business by allowing you to take card payments for your goods and services.

With a Handepay card reader, your customers can choose the way they want to pay – whether it’s Chip and PIN or contactless payment, you’ll have it covered.

Our card reader machines are easy to set up and come with a ‘plug and play’ installation guide. To accept payments, your customer simply needs to insert their card for Chip and PIN, or just hover their card over the card reader for contactless transactions.

All of our new Spire card readers are certified to the industry's latest security standard PCI PTS 4.0.




The benefits of taking card payments


Card payments are increasing in popularity, so allowing your customers to use this payment method will only broaden your horizons and help business growth in the long term.

How can a card reader contribute to business growth?

It’s predicted that cash will only account for around 16% of all payments by 2027, according to UK Finance.

Consumers now expect to be able to pay by card wherever they shop – which means they’re no longer limited to just the cash they carry in their pocket. This leads to higher value and impulse purchases.

Having a payment card reader actually makes it much easier for your customers. It speeds up the transaction process - meaning less time spent queueing while you’re counting out change!

Payment card readers also enhance your business’ security. Digital payments are much more secure and you’ll carry less cash on your business premises.



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Looking to switch
your card reader


Switching your card reader provider to Handepay needn’t be a hassle.

We believe it should be affordable and cost-effective for every business to take card payments, that’s why we offer a Price Challenge – if we can’t save you money on your current card reader costs we’ll give you £1,000!

Once you’ve made the switch, we’ll make sure everything runs smoothly so your service won’t be disrupted. In most cases, we’ll even pay your exit fees if you’re still in a contract with your existing provider.

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New to


The growth in card payments and contactless transactions speaks for itself – we wouldn’t want you to miss out on sales and increased profits by not offering this option to your customers.

If you don’t currently have a card reader at your business and you’ve been thinking about it, get in touch with one of our expert advisors today. They’ll explain what’s involved, how it works, and discuss your business needs to discover which card reader would be most suited to you.


Why choose Handepay as your card reader provider?


When you choose Handepay as the card reader provider for your small business, you’re opening your world to fast, reliable and cost-effective card payments.


  • No hidden fees

    No hidden fees

    Don’t expect the usual hidden fees that many other card reader providers charge.

  • Hassle-free switching

    Hassle-free switching

    Switching provider is a piece of cake with us. We’re here to help you save money every step of the way.

  • 28,000 customers

    28,000 customers

    We’re proud to work with so many different businesses - helping them get the most from their card payment solution.

  • Service & support

    Service & support

    We’re available 24/7 to lend a helping hand when you need it most.

What our customers say


Trustpilot Rated Excellent by customers logo


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!"




Card Reader FAQs


A card reader works just like any other card payment machine to accept money from your customers for your goods and services. As long as it’s connected to either WiFi, GPRS, or an analogue phone line depending on the card reader type - customers can make Chip and PIN payments and contactless payments as normal.

The cost of your card reader depends on your business and the type of card reader you choose. Our pricing is tailored to your needs and there are no hidden fees. You won’t pay minimum monthly service charges, authorisation fees, joining fees, PCI DSS compliance and non-compliance or fees for online statements.

You’ll just pay a monthly rental fee for the card reader itself, plus a small percentage for each transaction you make through the card reader – it’s as simple as that!

Yes. All of our card readers accept contactless payments including Apple, Samsung and Google Pay.

With Handepay, you can accept all major debit and credit cards through our card reader machines. Your customers can also pay using contactless, whether by tapping their card or using Apple, Samsung and Google Pay via their appropriate devices.

This all depends on your business. We offer a range of card readers to suit every type of business. Get in touch so that we can discuss your needs and provide you with a tailored quote.

Get in touch with Handepay today

Whether you’re new to cards or looking to switch provider, we’d love to get you set up with the right card reader for your business.




Trustpilot logo for being rated excellent by customers



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.