Free card machine: what's included and what to check

A free card machine is a good start, as long as the fees behind it are fair. In most cases your first card machine is free with the providers I work with, and I'll show you the full cost in writing.

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What "free" usually means

"Free card machine" can mean three different things, and it's worth knowing which one you're being offered.

  • Free hardware, fair fees. The machine costs nothing and the fees are in line with the market. This is the good version.
  • Free hardware, higher fees. The machine is free but you pay for it slowly through the rate on every payment.
  • Free for a while. No rental for a few months, then a monthly charge starts.

What I offer

In most cases your first card machine is free with the providers I work with. Extra machines depend on your turnover, and I'll tell you exactly what applies before you sign anything.

Five questions to ask about any free offer

  1. What is the rate on debit, credit and business cards?
  2. Is there a monthly minimum or service fee?
  3. How long is the contract, and what does it cost to leave early?
  4. Who owns the machine, and do I return it if I leave?
  5. What happens if it breaks?

Send me any offer you've had and I'll answer those five for you. Or start with a free statement check.

QUESTIONS

Questions

Is the card machine really free?

In most cases your first card machine is free with the providers I use. Extra machines depend on your turnover. I'll confirm what applies to you before you sign.

What's the catch with free card machines?

Sometimes there isn't one. Sometimes the cost moves into higher transaction fees or a long contract. That's why I look at the whole monthly cost.

Do I have to return it if I leave?

That depends on the provider and whether the machine is rented or owned. I'll tell you upfront.

Ready to cut your card fees?

Send your statement today and I'll come back to you with what I find.

Get my free statement check