Pay-as-you-go vs monthly plans
Pay-as-you-go readers charge a flat percentage with no monthly fee — ideal below roughly £1,500 a month in card turnover. Above that, a monthly plan with a lower rate almost always works out cheaper.
Signal reliability matters most
For mobile work, a terminal with a multi-network SIM will connect where a WiFi-only reader tethered to a phone will not. Losing a payment on a doorstep costs more than the difference in rate.
Invoicing and payment links
For larger jobs, a payment link on the invoice gets paid faster than bank transfer terms and gives the customer card protection they value. Many trades find it materially reduces late payment.
Want this reviewed for your business?
Send us a recent bill and a consultant from our Cardiff office will tell you, honestly, whether you are paying more than you need to.