The cheapest card machine in the UK depends on your takings
There's no single cheapest card machine: a plan with a monthly fee and a low rate wins once you take enough on cards, and a no-fee plan wins below that. Here's the cheapest provider at each level, from published UK prices.
| Monthly card takings | Cheapest | Per month | Effective rate |
|---|---|---|---|
| £500 | Flatpay Payment terminal | £7 | 1.49% |
| £1,000 | Flatpay Payment terminal | £15 | 1.49% |
| £2,500 | Flatpay Payment terminal | £37 | 1.49% |
| £5,000 | SumUp Payments Plus | £71 | 1.412% |
| £10,000 | SumUp Payments Plus | £120 | 1.201% |
| £20,000 | SumUp Payments Plus | £219 | 1.095% |
| £40,000 | SumUp Payments Plus | £417 | 1.043% |
Typical mix of 70% UK debit, 25% UK credit and 5% premium cards; the cheapest machine bought outright, spread over 12 months.
All providers at £5,000 a month
Cheapest: SumUp Payments Plus at £70.58 a month (1.412% of takings). Dearest: Square Free at £89.08 (1.782%). That's £18.50 a month apart, £222.00 over 12 months.
| Provider | Per month | Where the money goes | |
|---|---|---|---|
| SumUp Payments Plus |
£70.58 1.412% of takings |
card fees £49.50 (0.99%), monthly fee £19.00, machine £2.08/mo Solo Lite: £25.00 upfront + VAT Contract: none, cancel any time |
SumUp prices |
| Dojo Essential |
£72.42 1.448% of takings |
card fees £60.00 (1.2%), machine £12.42/mo Dojo Go Max: £149.00 upfront |
Dojo prices |
| Flatpay Payment terminal |
£74.50 1.49% of takings |
card fees £74.50 (1.49%) Payment terminal: £0.00 upfront |
Flatpay prices |
| SumUp Pay as you go |
£86.58 1.732% of takings |
card fees £84.50 (1.69%), machine £2.08/mo Solo Lite: £25.00 upfront + VAT Contract: none |
SumUp prices |
| Square Free |
£89.08 1.782% of takings |
card fees £87.50 (1.75%), machine £1.58/mo Square Reader: £19.00 upfront + VAT Contract: none |
Square prices |
- Card machine cost spread over 12 months (horizon_months not given).
Not ranked
- Teya Start: Doesn't publish a rate for premium cards, which are in this card mix.
Or see the cheapest for your type of business.