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Chapter 1 : The Basics

The Different Ways to Take Card Payments in the UK: A Simple Guide for Businesses

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If you run a business in the UK, accepting card payments is almost essential.

Whether you're a shop owner, mobile trader, café operator or run an online business, your customers expect fast, easy and secure ways to pay by card.

But with so many options available, choosing the right method can be confusing.

Here’s a simple guide to the main ways of taking card payments — no jargon, just the facts.

image of someone paying by card via contactless payment terminal in retail setting

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  • Also known as PDQ (Process Data Quickly) machines, card terminals are the most common way to take in-person payments.

    Types of PDQ machines:

    • Countertop Card Machines – Ideal for retail shops with a fixed till point

    • Portable Card Machines – Great for cafés and restaurants (connects via Bluetooth or Wi-Fi)

    • Mobile Card Machines – Perfect for tradespeople or events (uses a SIM card to connect anywhere)

    Accepts: Debit and credit cards, contactless, Apple Pay, Google Pay
    Best for: Face-to-face businesses like shops, salons, pubs, and market stalls

  • If you sell products or services online, you’ll need a way to take card payments through your website.

    Online payment options include:

    • Payment Gateways – A secure checkout system added to your website

    • Hosted Payment Pages – Customers are redirected to a secure page to pay

    • Pay by Link – Send a secure payment link via email or text

    Accepts: Visa, Mastercard, Amex, digital wallets (Apple Pay, Google Pay)
    Best for: Ecommerce businesses, online services, remote bookings

  • MOTO stands for Mail Order/Telephone Order — this allows you to take card payments over the phone.

    How it works:

    • You enter your customer’s card details into a secure virtual terminal

    • No physical card is needed

    • Great for bookings, remote services, and traditional phone orders

    Accepts: All major cards
    Best for: Hotels, takeaways, service providers, or businesses with phone-based sales

  • Simple, app-based card readers are popular with small and mobile businesses.

    Popular providers include: Square, SumUp, Zettle

    • Low-cost and no long-term contracts

    • Connects to your smartphone or tablet

    • Easy to set up and use

    Accepts: Contactless, chip & PIN, mobile wallets
    Best for: Start-ups, sole traders, pop-up shops, food vans

  • For businesses offering ongoing services, memberships or subscriptions, recurring payments make things easier.

    Options include:

    • Setting up regular direct card payments via your payment provider

    • Useful for gyms, clubs, tutoring, or any service billed monthly

    Best for: Subscription-based businesses, service providers, clubs

What to Consider When Choosing a Card Payment Method

  • Cost: Look out for transaction fees, monthly charges, and rental costs

  • Ease of use: Make sure it’s simple for you and your customers

  • Speed: Fast transaction processing and payouts are important

  • PCI DSS Compliance: Ensure your setup meets security standards

  • Customer Support: A reliable provider should offer strong UK-based support

Final Thoughts

Choosing how to accept card payments in the UK doesn’t have to be complicated. Focus on what works best for your business, your customers, and your budget.

At Merchant Compare, we help you compare providers and options side-by-side so you can find the best solution — whether you need a card machine, online payment system or telephone payment support.

🔍 Compare now or speak to an expert – no pressure, no jargon, just practical advice.