Card Machine For Small Businesses

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The Right Payment Solution For Your Business

Take a look at our three products, Box, Genie and Tapldoo, to see which card machine will suit your business.

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Box

What's In The Box, With Mobile Revenue Tracking

  • Mobile App
  • Sales
  • Refunds
  • Moto
  • Pre Auths
  • Pay By Links
  • Gratuities
  • Transaction Data
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GENIE (1)

Genie

Multi-Site Businesses That Need Greater Control

  • Payment Terminal
  • AI Support Assistant
  • Pay Links & Invoices
  • Complete Dashboard
  • Troncing, Tips and Split Payments
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Tapldoo

Built For Restaurants & Hospitality

  • Online Website Ordering
  • inventory Management
  • Flexible Delivery Rules
  • Loyalty Card System
  • Orders & Payments On One Device
  • Fully Customisable Kiosk
  • Integration On EPOS
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Salons

A quick trim, or a hub for local gossip, salons across the UK give customers the hair treatment, styling and cut they deserve. You might even add in a manicure, pedicure or facial, if you're feeling bougie. Card payments, are a quick, secure way of handling the transaction. Freshly trimmed customers have the option of tipping their stylist on devices like Genie or Box.
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Food Trucks

What the truck? Food trucks have given the public access to a world of foods they would never have known about otherwise. From Bao Buns to Smash Burgers, Mexican Burritos, Greek Gyros, or Thai street food, appetite for variety is always high. For the owner/chef, a fast-paced environment, cooking and vending at the same time. Taking card payments is not only more secure (no cash risk), but also offers hungry consumers a quick, easy way to pay.
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Coffee Shops & Cafes

A staple of every high street, independent Coffee Shop & Cafes have become the go-to place for a quick catch-up with friends, colleagues, or a change of scenery for the work from home crowd. A good Barista is hard to find, but a gem to keep; offering luxurious latte art, in a caffeinated cup. Pair that with a good pastry and a strong brunch menu, and you’ve got an established recipe for success. Giving these customers the freedom of fast card payments with in-built gratuity encourages bigger spending. Just don’t be the person that holds a sofa table for four hours of free Wi-Fi over a single latte.
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Pizzerias

Nothing gets the people talking like a good pizza. From well-known franchises to artisan sourdoughs with creative toppings, the nation is obsessed with this Italian import. There’s the ongoing debate about pineapple and fruit not belonging on pizza. But, you’ve probably also enjoyed tomatoes peppers and jalapeños as a topping. So, however you take your pizza, options range from dining in, to pick-up and delivery, card payments offer customers an easy, quick way to pay. Products like Tapldoo also offer a full inventory management for pizzerias.

Bakery

A staple of the human diet for thousands of years, we’re rightly obsessed with freshly baked bread. Up and down the country, consumers rise early to get the freshest loaf from artisan bakeries. Who can blame them? There’s a calming comfort in the smell of the newly baked sourdough. Appetite for the preservative-ridden supermarket bread has diminished, and at independent bakeries, the savvy customer kneads to be able to pay by card.

Motor Trade & Garages

Keep the wheels turning. The dreaded annual MOT, will your car pass or fail? What work needs to be done to complete the school run or commute? Throw in a service, and thankfully 70-75% of vehicles pass first time. If there’s work that needs doing, larger transactions are handled more securely by card. In addition, the ability to send secure payment links for outstanding balances, gives convenience and enhanced protection.

Grocery Stores

Part and parcel of British high-street for decades, the grocery store offers customers fresh, local produce, at affordable rates. With consumers trying to support their local high-street post-covid, Grocery stores have seen a resurgence against the big supermarkets. Friendly, more personable service, combined with local produce and established brands give customers a plethora of options. But, nobody wants to be counting change while their fresh produce gets warm, so card payments offer a quick, easy way for customers to pay.

Which card machine is best for you?

Take a look at our options below to see which card machine will suit your business best.

move 3500

Fixed

Take card payments from the till.

  • Plug & play
  • Perfect for shops and cafes
  • Modestly priced solution
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Portable

Take card payments from anywhere in the building.

  • Compact & lightweight
  • Great for the hospitality industry
  • Outstanding battery life
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Mobile

Take card payments wherever you are.

  • Extremely robust
  • Small enough to fit in your pocket
  • Pre-installed SIM cards
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The million dollar question that we get asked by business owners is “ what’s the best card machine for my business “ Our response is always the same:

Tell us more about your business.

You see, it’s all very well offering you what might seem to be the cheapest card machine on the surface but if it doesn’t fit your overall requirements or budget once you start adding the additional fees it’s not the best chip and pin machine for your business.

At Modern World we like to fully understand what your business is about before we offer you a card machine, so it might NOT always be the cheapest solution if you look at the cost of the card machine alone, however we make it our mission to deliver to you the best package that fits your needs.

There are so many variables on what type of card machine works for your business that it’s impressive for your UK business that you ask the right questions.

Here are some of the most important questions you should be asking about the card machine that you enquire about…

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Do I need a Wifi or GPRS card reader - or both?
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Does the card reader accept contactless payments?
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Would it be better for my business to have a fixed card machine?
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What Card machine manufacturer is best for me, is it Pax, and Ingenico, Castle or Verifone?
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Do I want a card machine with a traditional keypad or a android touch screen?

10 Great questions to ask your broker or acquirer to ensure that you get the best solution for your Card Machine

Besides the functionality of the card machine, there are many other questions that any company should be asking you about your business to ensure the best solution is offered to you, below are some great tips for you to ask the correct questions to ensure you are getting the best for your business needs. We have over 12 Acquiring banks that work with us to ensure that the right option is always offered.

1

What is my Auth Fee?

The authorisation fee is a charge on every transaction and if you run a business with a lot of low value transactions this is a key part of your fee schedule.

2

How fast am I funded?

Some of our banks offer next day or even SAME day funding, so if cash flow is something critical for your business this is a question worth asking.

3

What are my CNP fees?

These are additional fees added on “customer not present” transactions, so if you take payments over the phone you should be aware of these fees.

1

What is my Auth Fee?

The authorisation fee is a charge on every transaction and if you run a business with a lot of low value transactions this is a key part of your fee schedule.

2

How fast am I funded?

Some of our banks offer next day or even SAME day funding, so if cash flow is something critical for your business this is a question worth asking.

3

What are my CNP fees?

These are additional fees added on “customer not present” transactions, so if you take payments over the phone you should be aware of these fees.

4

Am I on IC++ or a blended rate?

Some acquirers charge under a IC++ schedule and some charge under a “ blended” pricing schedule. In a nutshell IC + is a margin that the acquirer adds onto Interchange fees set by Visa and Mastercard. And Blended includes these charges.

5

How long will it take to get approval for my card machine?

Different acquirers have different underwriting timelines, so if time is of the essence then we would 100% recommend talking to us to ensure that you are putting an application in with a bank that can approve you within your expected times.

6

What documents do I need to get started?

Each acquirer has different KYC and KYB documents that they require to put forward an application, you will need to ensure that you have all of the correct documentation to put the application in, we can advise you of what is required at the point of discussing the best option for you.

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What are the PCI fees?

Some acquirers do not charge their merchants PCI, others do and then will charge you a high fee for not being compliant. It’s very important for your business that you understand how to remain compliant.

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Am I classed as High, Medium or Low risk?

Businesses are set into risk categories by acquirers and this will be a big factor on where we can place them, we need to make sure you are advised correctly.

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Net or Gross settlement?

Some acquirers settle in Net and some in Gross, this is good to understand as it’s helpful for smaller companies to have the charges taken at course to ensure no nasty unexpected bills.

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Where is the bank located?

We deal with acquirers that are located and also all over Europe, if the location is important to you we can advise you of what banks are the correct fit for you also.

Why Use Card Machines for Payments?

Card payments now account for more than 50% of customer spending in the UK. If your business does not offer customers the ability to pay by card, it reduces consumer spending. In addition, card payments are more secure, with no cash risk. Many Acquirers can have the funds in your account the next day.

Will your business take card payments?

Guide to Mini POS

These questions are a great place to start to ensure you get offered the best card machine for your business. 

If you would like to get the ball rolling by talking to one of our experts please call on 01487 808990 and speak to one of our experts and happily point you in the right direction for the perfect card machine for your business.

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We have helped hundreds of businesses throughout the UK save money on their rates. Book a review today!

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