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Hi 👋, welcome to GB Pay. We are glad you are interested in Card Payment Machine Uk. We know how important Card Payment Machine Uk is for your business, and we are here to help you find the best solution for your needs. Whether you need Card Payment Machine Uk for your online store, your physical shop, or your mobile business, we have the right option for you.
In this article, we will share with you what GB Pay solution is? how it works? and why you should choose us as your Card Payment Machine Uk provider. We will also tell you some of our success stories and how we have helped other businesses like yours with card payments. So, let's get started and see how we can make Card Payment Machine Uk easy and affordable for you.

Simple and Transparent Payment Processing Fee

At GB Pay, we keep things simple and transparent. The only charge your business incurs is a small fee for processing payments. We believe in fairness and providing you with a straightforward pricing model, so you know exactly what to expect.

No Contract
£429 + VAT
* monthly fee will be applicable in specific cases only.
** GB Pay fee is for standard UK Cards

Everything You Need to Know About Accepting Card Payments for Small Business

If you run a small business, you may wonder how to accept card payments from your customers. Card payments are convenient, fast, and secure, and they can help you increase your sales and customer satisfaction. But how do you get started with accepting card payments? What are the key factors that impact your decision making? And what are the challenges and tradeoffs involved in choosing a suitable solution for your business?

In this article, I'll provide you with a comprehensive analysis of the main aspects of accepting card payments for small business, including:

By the end of this article, you'll have a better understanding of how to accept card payments for your small business, and what to consider when making decisions about it.

The Benefits of Accepting Card Payments

Accepting card payments can bring many benefits to your small business, such as:

  • Increasing your sales: According to a study by Visa, small businesses that accept card payments can see their sales increase by up to 30%
  • Improving your cash flow: Accepting card payments can help you get paid faster and more reliably.
  • Enhancing your customer experience: Accepting card payments can make your customers happier and more loyal.
  • Expanding your market: Accepting card payments can help you reach more customers, both locally and globally.

The Different Ways to Accept Card Payments

There are three main ways to accept card payments for your small business:

  1. In person, using a card machine or terminal. This could be a countertop terminal, a portable version using Bluetooth or Wi-Fi, or a mobile version using a smartphone or tablet. You need a merchant account and a payment processor to use a card machine.
  2. Online, using a payment gateway on your website. This could be a hosted payment page, an integrated payment form, or an e-commerce platform. You need a merchant account and a payment processor to use a payment gateway.
  3. Over the phone, using a virtual terminal in an online portal. This is where you enter the customer’s card details manually on your computer or mobile device. You need a merchant account and a payment processor to use a virtual terminal.

Each of these methods has its own advantages and disadvantages, depending on your type of business, your volume of transactions, your customer preferences, and your budget.

The Costs and Fees Involved in Accepting Card Payments

Accepting card payments is not free. There are various costs and fees involved in accepting card payments, such as:

  • Setup fees: These are one-time fees that you pay to set up your merchant account and your payment equipment. They may vary depending on the provider and the type of equipment you choose.
  • Transaction fees: These are fees that you pay per transaction, usually based on a percentage of the sale amount plus a fixed fee. They may vary depending on the provider, the type of card, the type of transaction, and the risk level.
  • Monthly fees: These are fees that you pay every month for maintaining your merchant account and your payment equipment. They may include fees for statements, reports, support, software updates, etc.
  • Other fees: These are fees that you may pay occasionally or under certain circumstances, such as chargeback fees, refund fees, non-compliance fees, etc.

The Security and Compliance Issues Related to Accepting Card Payments

Accepting card payments also comes with some security and compliance issues that you need to be aware of and address. These include:

  • Data security: You need to protect the card data that you collect and process from unauthorised access or misuse. You need to use encryption, tokenization, firewalls, antivirus software, etc., to secure your data. You also need to limit the access and storage of card data to the minimum necessary.
  • PCI compliance: You need to comply with the Payment Card Industry Data Security Standard (PCI DSS), which is a set of rules and best practices for securing card data. You need to follow the PCI DSS requirements for your level of transactions, and complete a self-assessment questionnaire or an external audit annually. You also need to report any data breaches or incidents to your provider and the card networks.
  • Fraud prevention: You need to prevent and detect fraudulent transactions and chargebacks, which are disputes initiated by customers or card issuers. You need to use fraud prevention tools, such as address verification service (AVS), card verification value (CVV), 3D Secure, etc., to verify the identity of the cardholder and the validity of the card. You also need to monitor your transactions and refund requests, and respond to chargeback claims promptly.

The Best Practices and Tips for Accepting Card Payments

To make the most of accepting card payments for your small business, here are some best practices and tips that you can follow:

Emily Selman.

Emily Selman

5 out of 5 stars

I run a small food store in newcastle open market. Customers were asking me, if they could pay by card all the time. It took me just 10 minutes with James to setup my account on GB Pay and I was ready to accept card payment. And I don't even need a machine. All my compititors walk by and see how happy my customers are that makes me chuckle lol

Emily Selman.

Floyd Thomas

5 out of 5 stars

Sean referred me to GB Pay for my business. From the moment I enquired about signing up with GB Pay, I was looked after by Ash. He made the process easy to understand. From the application to helping me set up the app. I felt the extra care from him and glad I picked GB Pay I would recommend both GB Pay and Ash to help you with your needs.

Emily Selman.

Shoaibe Iqbal

5 out of 5 stars

Just recently signup for GB Pay, and absolutely loving it! So easy, made a lot easier by the helpful - Ash, sales rep who made it so helpful and nothing has been to much trouble. Big 5 stars for Ash and GB Pay. I have now had it for a week and I am so impressed. Payments are paid into my account the next morning as per my choice , highly recommend!!!


Accepting card payments for small business is not as complicated or expensive as it may seem. It can bring many benefits to your business, such as increasing your sales, improving your cash flow, enhancing your customer experience, and expanding your market. However, it also involves some costs, fees, security, and compliance issues that you need to consider and address.

By following the steps and tips in this article, you can make an informed decision about accepting card payments for your small business, and choose a suitable solution that meets your needs and expectations.

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