Card Payments

Choosing a card terminal

The right terminal depends less on brand and more on where and how you'll take payments. Get the form factor right and the rest is easier.

4 min readUpdated Apr 2026
Key points
  • Countertop is cheapest and most reliable for fixed retail
  • Portable suits table-service venues
  • Mobile terminals work anywhere with 4G/5G signal
  • Prefer 12–24 month terminal contracts, not 3–5 year deals

Countertop

Ethernet-connected, always-on, sits at a till. Cheapest option and the most reliable for busy fixed-location retail and hospitality.

Portable

WiFi or Bluetooth, moves around the venue on a base station. Ideal for pubs, restaurants and salons where you take payment at the customer.

Mobile (4G/5G)

SIM-connected, works anywhere with signal. Essential for trades, market stalls, deliveries and pop-ups.

Contracts

Watch minimum-term contracts on terminal hire — 3–5 year deals still exist. Prefer 12–24 month terms and check the early-exit fees.

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