Chapter 1 : The Basics
IN THIS LESSON
If you’re setting up to take card payments, you’ll need a PDQ machine — but should you go for a standard terminal or a smart terminal?
This guide explains the differences, what features are included with each, the associated costs, and how to choose the right solution for your business.
What Is a PDQ Terminal?
A PDQ terminal (short for "Process Data Quickly") is the physical device you use to accept card payments in person — either by Chip & PIN, contactless, or mobile wallets like Apple Pay or Google Pay.
Today, you’ll find two main types available:
Standard PDQ Terminals
Smart PDQ Terminals
What Is a Standard PDQ Terminal?
Standard terminals are the more traditional type, offering core payment functionality with minimal extras.
✅ Features typically include:
Chip & PIN and contactless payments
Mobile wallet support (Apple Pay, Google Pay)
Basic receipt printing
Wired (Ethernet) or wireless (Wi-Fi/Bluetooth) connectivity
PCI DSS compliance
⚙️ Common uses:
Shops, salons, cafés, or any business needing a reliable, no-fuss solution
💷 Typical costs:
Monthly rental: £10–£25
Transaction fees: 0.3%–2.5% depending on volume and card type
Contract length: Often 12–36 months
Limited integration with POS or apps
What Is a Smart PDQ Terminal?
Smart terminals combine traditional payment processing with modern features and interactive apps. They run on Android-based systems and can be used like mini tablets or smartphones — giving businesses more flexibility and control.
✅ Features often include:
Touchscreen interface (similar to a smartphone)
Sales reporting and dashboards
Stock and inventory management
Customer loyalty apps or CRM tools
Invoicing and receipt customisation
Open banking or QR code payment integration
App store for downloading or customising tools
Connection to cloud-based EPOS systems
⚙️ Common uses:
Restaurants, bars, mobile traders, or retail stores needing a multi-functional device
Businesses wanting to combine payments, reporting, and POS in one terminal
💷 Typical costs:
Upfront purchase: £150–£400
Monthly rental (if leased): £20–£45
Transaction fees: Often similar to standard terminals, but may include software charges
Optional app subscriptions (e.g. £5–£20/month for premium tools)
Should I Choose a Smart Terminal?
Choose a smart terminal if:
You want a single device that handles payments, inventory, and reporting
You work across multiple locations or offer on-the-go services
You need detailed sales reports or customer insights
You’re already using cloud-based tools or EPOS platforms
Stick with a standard terminal if:
You just need to take simple card payments
Your business doesn’t need additional functionality
You prefer a lower monthly cost
Your team isn’t comfortable using touchscreen technology
Security and PCI Compliance
Both smart and standard terminals can be PCI DSS compliant, provided they come from a reputable provider. However:
Smart terminals may require regular software updates
Some advanced apps involve data sharing, so it’s important to check your provider’s compliance standards
Always make sure your provider supports end-to-end encryption and has UK-based technical support.
Key Differences – Smart vs Standard Terminals
Final Thoughts
Smart PDQ terminals are changing the way businesses take payments — offering flexibility, visibility, and extra value beyond just processing cards. But they’re not for everyone.
If your business needs a simple, reliable way to take payments — and nothing more — a standard terminal may still be the best fit.
🔍 Compare now or speak to an expert – no pressure, no jargon, just practical advice.