A. Initially, there are two simple choices to be made:
a) You need to look at whether your trade/profession is one that expects to process the occasional card transaction, such as a plumber, a consultant or
b) Whether processing card transactions will be fundamental to your business. Deciding this will set you off in the right direction.
For occasional transactions a pay-as-you-go’ facility would work best for you. This is a Card Reader that links to your Smartphone and will cost you a small set up fee, typically £60 with transactions charges in the region of 2.75%, but you are not tied into any contract.
If card transaction form a fundamental part of your business and you expect to be processing card payments most days, then you would need a Chip & Pin terminal. There are a variety of options, contracts, and prices available.
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