Cheapest card payment machines

We show you the cheapest card machines that are available on the market by transaction fee

Small businesses can define the cheapest card payment machines in a few different ways: by card reader price, subscription or monthly fees, and more.

Transaction fees can’t be forgotten here. If you process a high volume of sales, those transaction costs are going to add up. This is especially true for subscription services, digital downloads, online dropshipping and other high-volume businesses.

To help keep your costs down, here are some of the cheapest card readers on the market.

>See also: How to start a dropshipping business – What is dropshipping, what are the advantages and how do you start a dropshipping business?


Transaction fee: 1.75 per cent in-person payment


  • Accept Apple Pay and Google Pay
  • No charge for payment dispute management
  • Two-year warranty
  • Bluetooth-enabled

The Square card reader is £19.

Get started with Square

SB Pro

Transaction fee: From 1.25 per cent per transaction

Small Business Pro is our new monthly membership for businesses, offering a range of tools to help you run your business better. A core part of the package is our low-cost payment solution (powered by Stripe), which offers online and in-person transactions. Plus, you can track your customer history and invoices.


  • No minimum spend amounts 
  • Built-in fraud detection 
  • PCI compliant 
  • Integrated with customer management tool to monitor transactions
  • Bank deposits in three business days

Our very own payment processor forms part of our Small Business Pro membership. Small Business Pro costs £39.99 per month for sole traders and £49.99 for businesses.

It comes with WisePad 3 Terminal (£49 one-off cost) or WisePOS E (£179 one-off cost), plus the monthly membership fee. 


Transaction fee: 0.8 per cent +2p (UK consumer cards) – 2.6 per cent + 2p (international and commercial cards)


  • Create your own catalogue, which sits in the Revolut app
  • Access funds the next day

Revolut Reader costs £49.


Transaction fee: 1.10 per cent – 2.85 per cent + 7p transaction


  • Integrated SIM card gives you 3G/4G connectivity
  • Send digital receipts – email or SMS
  • Instant payment settlement
  • Get e-money and IBAN account in over 14 currencies

Price of card reader from £39.

Dojo Go

Transaction fee: From 1.4 per cent + 5p transaction rate


  • Next working day terminal delivery
  • Next-day transfers
  • Instant fraud detection
  • 24-hour card machine replacement

Can get first three months free if you have turnover of £150,000. Terminal fee is £20 per month.  

Tyl by NatWest

Transaction fee: 1.5 per cent (excluding Amex)


  • No charges for international card payments
  • No fees on refunds
  • No extra payments on authorisation fee
  • Link with your accountancy package

Various devices starting at £9.99 per month. Your choice of device is free for first three months.

Barclaycard Anywhere

Transaction fee: 1.6 per cent per transaction


  • Could cover up to £3,000 of your exit fees from your current provider
  • Up to 700 sales a day on a full charge
  • Get paid the next day
  • Get a free Freshbooks account

The terminal has a one-off cost of £29.


Transaction fee: From 0.99 per cent


  • Available with a free business account as your payout account
  • With this account, you’ll receive each sale within one day for a limited time
  • Free bank transfers

A SumUp Air card reader costs anywhere from £0-£49 per month.


Transaction fee: 1.75 per cent per transaction (including Amex)


  • Create and sell gift cards
  • Point of sale integrations
  • Use PayPal debit card anywhere that MasterCard is accepted
  • Cashback on eligible purchases

The Zettle card reader starts from £29 (£59 for each additional card reader).

More on card payments

10 card payment machines ideal for small business – Featuring the SumUp Air, Zettle 2, and Square, we break down the fees and functions of the best card payment machines for UK small businesses

Five tips to get started taking card payments – Andy Macauley, chief operating officer of Handepay, gives some concise pointers to taking card payments

How to take a card payment over the phone using a virtual terminal – If you have a telephone, an internet connection, a merchant account, and a virtual terminal, you can start taking payments over the phone today

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Anna Jordan

Anna is Senior Reporter, covering topics affecting SMEs such as grant funding, managing employees and the day-to-day running of a business.

Related Topics

Card Payments