Mobile Point of Sale Devices

If your annual card turnover is less than £10,000 per year, then a traditional terminal rental agreement may not be your most cost effective option. There are now mobile point of sale (mPOS) devices available which you can purchase outright and which have no monthly rental fee or minimum monthly service charge. The mPOS devices “pair” with an iPhone/Android smartphone or tablet by bluetooth. The individual transaction charges are higher than a traditional terminal and most require upfront purchase of a device, but if your transaction volume is low then overall, these options are a cheaper way to accept cards. There are no lengthy contracts or monthly charges other than for transactions processed.

We have partnered with the best mPOS suppliers to present you with a range of devices to choose from. Here is a summary of the costs, scroll down for more detail on each device.

But remember, if your annual card turnover is greater than £10,000 then a traditional terminal lease may still be cheaper

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gw-mobile

Provider Upfront cost Cost per transaction Click to apply
iZettle £25 + VAT (exclusive to Cardswitcher users) 1.75% Check it
SumUp £19 + VAT (exclusive to Cardswitcher users) 1.69% Check it
Payamobile £79 + VAT 1.99% for Cardswitcher customers (use promo code CS199) Check it
SmartTrade free 2.15% + 20p. Plus monthly fixed fee starting at £9.99 + VAT Check it
Payleven £59.00 + VAT less than £2,500 per month 2.75%, £2,500 – £5,000 per month 2.25%, £5,000 – £7,500 per month 1.75%, above £7,500 per month 1.5%; AMEX is always 2.75% Check it
WorldPay Zinc £39.99 (inc VAT) 2.75% or 1.95% + £5.99 per month Check it

Recommended Providers


iZettle

  • Device type: Chip & Pin (contactless including Apple Pay)
  • Cards accepted: Mastercard, Visa, Amex, JCB, Diners
  • Transactions accepted: Face to Face
  • Transaction limits:
    • £5,000 per transaction; £500,000 daily
    • Maximum daily settlement £500,000
  • Upfront cost: £25 + VAT (exclusive to Cardswitcher users)
  • Cost per transaction:
    • 1.75% per transaction (“iZettle Go”)
    • Option to purchase premium features for £20 per month – lifetime warranty, out of hours support, additional reporting (“iZettle Go Plus”)
  • Minimum monthly charge: nil
  • Funds settlement time: 3 days

About iZettle

iZettle is payments made easy. The social payments company’s services are always secure, fantastically fast to set up, and super simple to use. The first iZettle service was launched in Sweden in 2011 and is now available to individuals and small businesses across Sweden, Norway, Denmark, Finland, The United Kingdom, Germany, France, Spain, Netherlands, Italy, Mexico and Brazil.

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Payamobile

  • Device type: Chip & Pin
  • Cards accepted: Mastercard, Visa
  • Transactions accepted: Face to Face + Telephone + Online + Invoice links
  • Transaction limits: No general limit
  • Upfront cost: £79.00 (+VAT)
  • Cost per transaction:
    • 1.99% for Cardswitcher customers (use promo code CS199)
  • Minimum monthly charge: nil
  • Funds settlement time: 4-9 business days

About Payamobile

Award Winning Value for Money With Payamobile you get so much more for your money – a full multi-channel service including face to face, telephone, online and email link card acceptance. Since launch in 2010, we have attracted the attention of the industry, winning two awards – Best Technology Initiative and Best Multichannel Payments Solution.

We pride ourselves in offering exceptional value for money and a personalised service to small businesses.



Payleven

  • Device type: Chip & Pin (contactless including Apple Pay)
  • Cards accepted: Mastercard, Visa, Amex
  • Transactions accepted: Face to Face, Telephone (subject to acceptance)
  • Transaction limits: £10,000 per transaction
  • Upfront cost: £59 (inc VAT)
  • Cost per transaction: (4 tiers)
    • less than £2,500 per month: 2.75%
    • £2,500 – £5,000 per month: 2.25%
    • £5,000 – £7,500 per month: 1.75%
    • above £7,500 per month: 1.5%
    • AMEX is always 2.75%
  • Minimum monthly charge: nil
  • Funds settlement time: 4-7 days

About Payleven

At Payleven, we are working on the future of cashless payments. We believe in offering a smarter way for everyone, from individuals to businesses of all sizes, to get paid anytime and anywhere – easily, affordably & securely. We have developed the first internationally available mobile Chip & PIN solution that enables anyone to take card payments with their smartphone or tablet.

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SumUp

  • Device type: Chip and Pin
  • Cards accepted: Mastercard, Visa, Amex
  • Transactions accepted: Face to Face
  • Transaction limits: No general limit
  • Upfront cost: £19 + VAT (exclusive to Cardswitcher users)
  • Cost per transaction:
    • 1.69% per transaction
  • Minimum monthly charge: nil
  • Funds settlement time: 3-6 business days

About SumUp

SumUp was launched in 2012 and has since expanded into 11 countries across Europe and is now expanding globally. It has over 140 staff with major offices in London, Berlin, Dublin and Moscow. Its shareholders include American Express, BBVA Ventures and Groupon. In April 2016 it merged with Payleven and the enlarged group currently processes more than EUR 1 billion of transactions.

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SmartTrade

  • Device type: None (works through a free to download smartphone app)
  • Cards accepted: Mastercard, Visa, Amex
  • Transactions accepted: Face to face + Telephone + email Paylink
  • Transaction limits: Minimum £1.25, No upper limit
  • Upfront cost: Free
  • Cost per transaction:
    • 2.15% + 20p can be surcharged to customer with an in-app one touch option. Plus monthly fixed fee starting at £9.99 + VAT (Sole Trader Package)
  • Minimum monthly charge: nil
  • Funds settlement time: 7 days
  • Upgrade: for larger merchants there are discounted fee packages. The Business package (up to 15 users) costs £26.99 per month with transaction rates of 1.85% + 20p and the Enterprise package (up to 50 users) costs £89.99 per month with transaction rates of 1.75% + 20p. There’s no contract, and you can cancel at any time. Use Coupon Code CARDSWITCH20 for a 20% discount for 6 months.

About SmartTrade

SmartTrade was founded in 2013 by technology entrepreneurs Keld van Schreven and Catherine Woolgar aimed at solving the problem of making it quicker and easier to take cards and going fully paperless for Small businesses. The SmartTrade App is a remarkable new mobile app to take credit and debit card payments without an expensive credit card reader, or merchant account. Thats where the magic starts as SmartTrade App handles all the paperless paperwork to run a company, and even integrates into accounting software.

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WorldPay Zinc

  • Device type: Chip & Pin
  • Cards accepted: Mastercard, Visa
  • Transactions accepted: Face to Face, Telephone
  • Transaction limits: £5,000 per transaction
  • Upfront cost: £39.99 (inc VAT)
  • Cost per transaction: (two options)
    • 2.75% per transaction
    • 1.95% per transaction + £ 5.99 p/m
  • Minimum monthly charge: nil
  • Funds settlement time: 4 business days

About WorldPay Zinc

WorldPay is based in London and is one of the world’s leading independent payment processing companies. Formerly the merchant acquiring division of the Royal Bank of Scotland Group, it was jointly acquired by Advent International and Bain Capital in 2010. WorldPay operate in over 40 countries and is a major global leader in payment processing.

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