Gone are the days when small businesses had to enter into long contracts to accept card payments. In the UK, there is now a good selection of contract-free, inexpensive card readers enabling you to take cards through a connected mobile app.

How card readers work:

  • Wireless card reader connects to a mobile phone or tablet via Bluetooth

  • App on mobile device communicates transaction to the card reader

  • Payer enters their PIN or taps a card just like a normal card machine

These devices do not typically have monthly fees, lock-in or complicated fees. Instead, you just purchase the card reader upfront and pay a fixed rate per transaction.

This is very attractive for merchants who cannot commit to fixed monthly costs, and perfect for new businesses looking to get started quickly.

Another thing to consider is the accompanying app which may act as your main point of sale (POS) system. Some card readers for phones only work with a basic payment app, while others go beyond that with a product library, staff accounts, payment links and more.

The best card reader therefore depends not only on the build quality, but also the app, costs and potential to expand with other tools.

A card reader – or credit card reader – is a small payment terminal that requires a mobile app on a connected smartphone or tablet to accept card payments.

Card readers accept credit and debit cards via chip (insertion), NFC (contactless tap) and/or magnetic stripe (swipe). They also accept mobile wallets like Apple Pay and Google Pay if NFC is enabled. They may have a physical PIN pad or a virtual one displayed in the app on the merchant’s touchscreen mobile device.

Sometimes, the term card reader is used to describe any card payment terminal, whether or not it works with an app.

Compare card readers in the UK:

Card reader Purchase price* Rate Advantage Website
SumUp Air £39 1.69% Accessible business tools
Square Reader £19 1.75% Many payment features
Revolut Reader £49 0.8%-2.6% + 2p Low domestic rate
Zettle Reader £29–£59 1.75% Ergonomic card reader
Shopify Card Reader £49 1.5%-1.7% Shopify integration
Elavon MobileMerchant £29 1.75%-2.5% 24/7 customer support
Barclaycard Anywhere £29 1.6% Low fixed rate for all cards

*Prices exclude VAT.

Card reader Purchase
Rate Advantage
SumUp Air

£39 1.69% Accessible business tools
Square Reader

£19 1.75% Many payment features
Revolut Reader

£49 0.8% – 2.6% + 2p Low domestic rate
Zettle Reader

£29–£59 1.75% Ergonomic card reader
Shopify Card Reader

£49 1.5% – 1.7% Shopify integration
Elavon MobileMerchant

£29 1.75% – 2.5% 24/7 customer support
Barclaycard Anywhere

£29 1.6% Low fixed rate for all cards

*Prices exclude VAT.

Mobile Transaction rates card readers in the following key areas: the quality and usability of the product, pricing, transparency and registration, value-added features, reviews and support, and contract requirements.

Each criteria gets a score ranging between 1 and 5, resulting in an overall star rating reflecting the card reader’s overall value for a small business.

A card reader’s primary function is to accept card payments in person, and the accompanying app should work well to enable it. The device quality and app features during a transaction therefore have a higher weighting that falls under the product criteria.

We also give higher ratings to solutions accepting more cards, a good battery life and the ability to integrate with additional features.

SumUp Air – cool reader, broad range of extras

Our rating:

>> Our review


  • No monthly fees, no lock-in

  • Next-day payouts in free account

  • Easy to wipe

  • Various online payment tools


  • POS features quite basic

  • Very few integrations

SumUp Air is another popular card reader for iPad, iPhone and Android tablets and smartphones. The card reader has a smooth glass surface over its PIN pad, which we found easy to wipe clean. It accepts contactless and chip payments from most card brands and mobile wallets.

Photo: Emily Sorensen (ES), Mobile Transaction

SumUp Air with iPad app

The card reader costs £39 + VAT and has no monthly fees or contractual commitment. All you pay is a fixed 1.69% per transaction for any type of card. There is also a stand for SumUp Air, which is in a bundle with the reader for £44 + VAT.

The Air card reader works with SumUp App, a simple POS system with a product library, user accounts, sales overview, payout reports and online payment options.

SumUp users can send email invoices or payment links, set up a basic online store from the app, display or print QR codes for payments and accept telephone payments through the in-app virtual terminal. You can also sell e-gift cards that can be accepted through the app.

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressDiners ClubUnion PayDiscoverContactlessApple PayGoogle Pay

What’s more, the free SumUp Card (Prepaid Mastercard) that’s linked to your very own online Business Account provides access to transactions the day after, weekends inclusive. Alternatively, payouts can land in your bank account within 1-3 working days.

For a more complex till, the Air reader can be used with the SumUp Point of Sale software for full-fledged retail or hospitality functions. You can’t currently integrate with accounting software, but SumUp does integrate with Wix, PrestaShop and WooCommerce through plugins.

Customer support is available on weekdays between 8am and 7pm and weekends between 7am and 5pm. Signing up is easy through a web form, after which you can order the card reader.

Square Reader – most features in a free app

Our rating:

>> Our review


  • Smallest card reader

  • No monthly fees, no lock-in

  • Excellent free POS app

  • Many free online tools


  • PIN pad in app only

  • Only weekday support

Square Reader is an inconspicuous, square-shaped card reader without a PIN pad. Compatible with iPhone, iPad and Android devices, it takes chip (with PIN entry on your mobile device) and contactless payments. It’s the smallest and lightest terminal on this list, but its app, Square Point of Sale, is the most comprehensive of them all.

Photo: ES, Mobile Transaction

Square Reader only costs £19 + VAT, and the pay-as-you-go transaction rate is 1.75% for all card payments. There are no monthly fees or contract lock-in to worry about. You can get a charging dock for the reader for £25 + VAT too, and connect the hardware with receipt printers, kitchen printers, a cash drawer and barcode scanner.

The free Point of Sale app has enough features to serve most small businesses. Its inventory library tracks stock levels, and the till menu shows various product options and the ability to mark transactions for eat-in, eat-out, delivery or pickup.

You can schedule staff shifts, track breaks, export payroll data and analyse employee sales, while an additional app called Square Team lets staff log their own hours (more employee features cost £20/month per location).

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

There are also customer lists, sales reports, order management, invoicing and more to access through the app. Electronic gift cards can be sold and accepted, payment links created, QR codes generated for contactless selling, and any payment method accepted through the checkout including Clearpay (Buy Now Pay Later option).

Square’s web Dashboard has a free virtual terminal for telephone payments, an online store builder, detailed sales reports and options to subscribe to POS systems for retail, restaurants and a scheduling system. Square also integrates with many external software tools for e.g. accounting, online ordering and ecommerce.

Payouts reach your bank account in 1-2 working days, but there’s an instant transfer option (not available to all) for an extra fee of 1%.

Square’s customer support is available on weekdays between 9am and 5pm. You sign up online through a simple form, order the card reader and wait 3-5 working days for the delivery of Square Reader.

Revolut Reader – with business account

Our rating:

>> Our review


  • Good business account features

  • Low rate for UK consumer cards

  • Payouts within 24 hours


  • Support can be slow to help

  • Very basic app features

  • Merchant account needs extra approval

Revolut Reader is a new contactless and chip card reader that Revolut Business account holders can purchase, if they have an approved Merchant Account which is separate from the current account. Transactions clear in the online account connected with a Visa debit card within 24 hours, which is super-fast.

Fees are low for domestic, consumer Visa and Mastercard transactions (0.8% + £0.02) while high for all other cards (2.6% + £0.02). The terminal itself costs £49 + VAT excluding a compulsory £5 shipping charge. You can choose to use a free Revolut Business account or upgrade to a subscription with more business (not POS) tools.

To get started, you first need to sign up for a Freelancer or Company account (free plan available), then apply for a Revolut Merchant Account allowing you to accept card payments online and through the card reader.

Photo: ES, Mobile Transaction

Revolut Reader with card decals

We do not recommend buying the card reader before your Merchant Account has been completely approved. We did the mistake of ordering it after the immediate, automatic approval of it, only to have the account on hold in the following days while Revolut requested additional information to process.

After receiving the keypad-less card reader – which looks functional and akin to a retro pocket gaming device in its plastic casing – we had some technical issues with it, but it was eventually resolved and we received a free replacement.

Accepted cards

VisaMastercardContactlessApple PayGoogle Pay

We tried the chat support available to all Revolut Business account users, but the support agents were rarely able to help. It took several days or weeks to fix any of our issues. That being said, the app is regularly updated and bugs fixed, which can’t be said of certain competitors.

Overall, Revolut Reader could be a nice extra for those who need simple in-person payments in addition to payment links and a business account. New features are gradually added, for example a product catalogue allowing you to itemise bills.

The hospitality POS system from Nobly also integrates with Revolut Reader, requiring a monthly or annual subscription.

Zettle Reader – best card reader design

Our rating:

>> Our review


  • Most ergonomic card reader

  • No monthly fees, no lock-in

  • Widest range of accepted cards


  • Limited online payment tools

  • Features not being developed further

  • Only weekday support

The most popular card reader in the UK has been iZettle Reader (now Zettle Reader without the “i”) for some years. It was one of the first to introduce an inexpensive, contract-free reader without monthly costs.

The first card reader machine costs £29 + VAT upfront (following ones are £59 + VAT each) and then you pay 1.75% per transaction regardless of the type of card used.

Photo: Emmanuel Charpentier, Mobile Transaction

Zettle Reader in desk stand

When testing it, we found the latest version (Zettle Reader 2) ergonomic, small, lightweight and sturdy. It comes in white or black and can connect with a till drawer, barcode scanner and receipt printer. The optional charging stand (Zettle Dock) keeps it in place on a countertop.

Zettle Reader works with a free POS app called Zettle Go on most tablets and smartphones. It has a product library, transactions overview, basic sales reports, invoicing and the ability to accept cards, cash, payment links and gift cards. QR codes can be generated at checkout for customers with a PayPal app to scan it.

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressDiners ClubJCBUnion PayDiscoverContactlessApple PayGoogle PaySamsung Pay

The card reader works with other POS systems like Lightspeed, Revel and Tabology, and integrates with Xero and QuickBooks for accounting and ecommerce platforms like Shopify, BigCommerce and PrestaShop.

However, Zettle’s own app has hardly been developed further since PayPal took over Zettle. The lack of investment in the product means we can’t recommend the card reader as a solution that will definitely continue for years, unless you’re happy with it for your current situation.

Out of all card readers for iPhone, iPad and Android, Zettle accepts the most card brands via chip and PIN and contactless tap. Transactions are automatically cleared in your bank account within 1-2 working days.

Zettle only provides customer support on weekdays between 9am-5pm via telephone, email and chat. To sign up, all you need is fill in the short registration form online and order the card reader.

Shopify card reader – intelligent ecommerce integration

Our rating:

>> Our review


  • Good omnichannel features in app

  • 24/7 customer support

  • Good quality card reader


  • Requires ecommerce subscription

  • Not the cheapest card reader

Most known for its ecommerce software, Shopify also has a card reader to go with a POS app. It is called WisePad 3 Reader, costs £49 + VAT and works with the Shopify Payments system, which is only activated while you’re on a Shopify ecommerce subscription.

The card reader works with a POS app on your iPhone, iPad, Android smartphone or Android tablet.

Photo: Mobile Transaction

Shopify card reader on box and next to decals and charging cable

You’ll have to sign up for one of the following online store plans to use the POS and payments system: ‘Basic Shopify’ for £25 monthly and a 1.7% transaction fee, ‘Shopify’ for £65 monthly and a 1.6% transaction fee, and ‘Advanced Shopify’ for £344 monthly and a 1.5% fee for all card reader transactions. The subscriptions are cheaper with an annual contract.

Because of the ongoing monthly cost, the card reader is only really worth it if you’re also using Shopify for an online store.

The Shopify POS app is by default free (Shopify POS Lite), but you can upgrade to Shopify POS Pro for $89 (charged in USD) monthly per location in addition to the ecommerce subscription. This higher plan has many more features designed to unify online and in-store sales for a better customer service experience, for instance with a smooth Click & Collect system.

Accepted cards

VisaMastercardAmerican ExpressContactlessApple PayGoogle Pay

The free POS plan has a good selection of features for e.g. product and order management, customer profiles, staff accounts and integration with hardware such as receipt printers, cash drawers and barcode scanners. POS Lite is recommended for on-the-go sales, whereas POS Pro is better for a full setup in a retail shop.

Transactions are settled in your bank account within 6 working days, which is the slowest in this comparison. All subscriptions include 24/7 customer support and online help guides.

card machine selection on blue background

Looking for options beyond card readers?

Card machines for small businesses in the UK

Elavon MobileMerchant – basic product with 24/7 support

Our rating:

>> Our review


  • No fixed monthly fee or lock-in

  • 24/7 customer support


  • Buggy app

  • High fees for Amex, JCB, Diners Club and Discover

A big acquiring bank, Elavon, has a card reader called MobileMerchant (purchased for £29 + VAT).

As with others, it has no monthly fee or contractual commitment, just a transaction fee that depends on the card accepted: 1.75% for Visa and Mastercard, 1.9% for American Express and 2.5% for Diners Club, Discover and JCB cards.

The card reader has a PIN pad, looks like a calculator and accepts contactless payments and chip and PIN cards. Elavon MobileMerchant does not connect with a cash drawer, barcode scanner or receipt printer, so it is purely for mobile transactions.

To accept a payment through the MobileMerchant app, you need to enter the transaction amount with an item description. It’s possible to add a tip, discount and VAT, accept cash and send an e-receipt, but there are no other checkout options. There’s no product library or other advanced features in the app.

The app is rarely developed and actually had a 3-year break between updates (not to add features, only to fix issues), so Elavon clearly does not prioritise this service. A healthy card reader app should be updated regularly to fix bugs and keep up with iOS and Android software, so it is unsurprising to see that users complain of technical issues preventing them from using the card reader.

Accepted cards

VisaMastercardMaestroDiners ClubDiscoverAmerican ExpressContactlessApple PayGoogle Pay

Elavon merchants can access a free virtual terminal in the web dashboard, where you can accept over-the-phone payments for a higher transaction cost. You can also benefit from fast settlement – one working day – but this is not guaranteed.

Customer support is provided 24/7 for merchants, which is a luxury for a pay-as-you-go credit card reader. Signing up is more tedious, though: you complete an online form (takes around 15 minutes) and have to submit various documents for verification. Once onboard, you can order the card reader.

Barclaycard Anywhere – low fixed rate for all cards

Our rating:

>> Our review


  • No fixed monthly fee

  • Low fixed rate (1.6%)


  • Buggy app

  • Old card reader model

Barclaycard Business offers a card reader called Barclaycard Anywhere without contract lock-in or monthly fees, just an upfront cost of £29 + VAT.

The model (Miura M010) is not bad, but it is an old card reader with a very basic accompanying app for iOS and Android devices.

Barclaycard card reader app

The card reader doesn’t work with receipt printers, cash drawers or barcode scanners, but it does take swipe cards on top of contactless and chip cards. The ‘Barclaycard’ logo on the terminal may put some customers at ease, since it is a trusted brand.

You’d think a banking giant like Barclays would only have amazing products, but the app can only accept manually entered transaction amounts with a written description. You can’t itemise receipts with different products. Other features include refunds, sending a digital receipt and viewing transactions (all apps on this list can do those things).

There is no product library or other useful features for merchants. What’s more, the app was last updated 4 years ago, which means it is very likely buggy. In fact, user ratings are poor in Google Play and App Store, frequently mentioning bugs and connectivity issues.