Lower Your Card Payment Fees or
Upgrade Your Card Machine
Compare card payment solutions for your business.
Free, no obligation, takes less than 60 seconds.
Get The Best Rates Without The Haggle
We help UK businesses compare card payment providers and find a setup that fits how they actually trade.
Whether you’re new to card payments or thinking about switching providers, we look at your business, turnover, and how you take payments — then introduce you to options with clear pricing and reliable support.
It’s free, independent, and there’s no obligation to switch.
How it works
Simple, transparent, and built around how your business trades.
Tell us about your business
Answer a few quick questions about how you take payments and your monthly turnover.
We match you with the right provider
We assess your requirements and a member of the iNeedCardPayments team will call you - no pesky sales calls from multiple providers - Just us!
Get set up with confidence
Clear pricing, straightforward onboarding, and support before and after setup.
How would you like to take payments?
Choose the setup that fits how your business trades.
In person
Accept card and digital wallet payments using a card machine that suits how you trade.
- Countertop, portable or mobile card machines
- Take payments at the till, at the table, or on the go
- Supports contactless, chip & PIN, Apple Pay and Google Pay
Online
Take payments online through your website, invoices, or payment links.
- Simple browser-based checkouts for desktop and mobile
- Integrate with your website or use hosted payment pages
- Accept payments from UK and international customers
Phone
Take secure card payments over the phone using a virtual terminal.
- Process payments via telephone or email
- No website required
- PCI-compliant with built-in security checks
What we provide
Competitive card processing rates
We help you compare provider options and understand what you’re paying, so you can make a confident decision on value — not guesswork.
One point of contact
You deal with us directly while you explore your options. No call-centre bounce-around and no unnecessary back-and-forth.
Access to UK providers
We work with established UK payment providers and match solutions based on how your business trades — in person, online or by phone.
Quotes you can compare
We keep quotes clear and comparable so you can quickly understand fees, contracts and what you actually get for your money.
Straightforward payments advice
Plain-English guidance on terminals, online payments, pay-by-link and recurring billing — without the jargon.
Provider & contract checks
We help you spot common pitfalls like hidden charges, rate changes, long tie-ins and exit fees before you commit.
Payment solutions for every business model
Whether you’re taking payments in-store, online or over the phone, we help you compare providers and find a setup that fits how you trade. Clear pricing, straightforward onboarding, and support before and after you’re live.
Retail
Cut card fees, speed up checkout, and get a terminal setup that works at the till and beyond.
- Countertop, portable and mobile card machines with contactless & digital wallets
- EPOS integrations and multi-site setups for stores, kiosks and pop-ups
- Clear breakdown of fees so you can compare like-for-like
- Switching support — we help you move provider with minimal disruption
Food & Beverage
Faster service, smoother tipping, and reliable terminals built for busy hospitality teams.
- Portable terminals for table service, bars, events and takeaway
- Tipping and staff prompts to improve service and reduce mistakes
- Backup connectivity options (Wi-Fi / 4G) for reliability at peak times
- Pricing aligned to your average transaction size and monthly turnover
Ecommerce
Accept online payments with a setup that protects margins and reduces chargeback headaches.
- Hosted checkout, payment links, or full website integration
- Support for popular platforms and gateways (and custom builds)
- Fraud tools and authentication options to reduce failed payments
- Transparent fees — so you know what you’re paying per transaction
Small Business
A simple, reliable payments setup — with fees and contracts you actually understand.
- Great for trades, salons, clinics, local services and mobile businesses
- Start taking cards quickly with a portable or countertop terminal
- Options for pay-by-link, phone payments and recurring billing
- We help you compare contracts, exit terms and hidden charges
High Risk
Specialist options when standard providers won’t approve — or pricing doesn’t reflect your reality.
- Guidance on underwriting, reserve requirements and realistic approval routes
- Provider options tailored to your model, volumes and risk controls
- Support with documentation and the application process
- Clear explanation of fees, terms and what impacts your rates
