Young woman on the phone at an outdoor cafe
Free tool

Card machine cost calculator

Compare two card machine deals on what they really cost over a year: the device, the fee on each payment and any monthly charge, worked out from your own card takings. Free, no sign-up, nothing leaves your browser.

Your card, ready to use
  1. Your card appears in your app
  2. Tap it to pay in a shop
  3. See every payment as it happens
Deal A
Deal B

The starting deals are only examples: one with a cheap reader and no monthly fee, one with a monthly charge and a lower rate. Use the prices each provider quotes you, and check contract length and any exit fees too.

Cheaper over the first year
Deal B
Saves £222.00 a year
Deal A, first year
£1,652.40
£135.20 a month · 1.72% of takings
Deal B, first year
£1,430.40
£119.20 a month · 1.49% of takings
Man beside a laptop and a cup of tea

What card machines cost

Costs can include buying or renting the device, a fee on each payment, and sometimes a monthly charge. Compare the total over a year, not just the headline rate.

Woman using a laptop at a table

Which kind suits you

Mobile card readers that pair with a phone suit businesses that move around or take a modest number of card payments, because readers are cheap to buy and there is often no monthly fee. Busier shops and restaurants often move to a countertop or portable terminal linked to a till system.

See it happen

Your own money app
  1. Name it and pick your colours
  2. Choose what it does
  3. Launch when you are ready

Try it

Name your platform and watch it come to life

Type a name, tap a colour and pick what it does. The phone changes as you go.

Colour

What it does

Build mine

Design and preview your whole platform free, then launch when you are ready.

Get paid without a card machine

SendPay does not sell card machines. For businesses that don't need one, SendPay platforms include payment links and invoicing under your own brand, powered by licensed partners.

Before you go

Create your free SendPay account

It's all about creating your own financial platform with ease. Start with a free account today.

  • A free business accountOpen it in about a minute with your business name, email, password and mobile. No card and no documents to start.
  • Get paid from day oneTake card payments, and share your own payment link and invoices so customers pay in a click.
  • A free business websiteFree to build, free to publish and free to keep, with unlimited visits.
  • Your own financial platformDesign and preview your whole platform free, then launch when you are ready.

SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.

More free tools

All tools

Need a website for your business? Build a free business website with SendPay: free to build, free to keep, unlimited visits, and add a shop cart when you are ready.

Got a wrong answer or spotted a mistake? and we'll fix it. How our tools work