Card payments and your EPOS
How card fees are built, why an integrated terminal matters at close, and which card machines work with which tills. Written for operators comparing a merchant statement, not for banks.
Short answer
UK card machine fees are a percentage of each sale plus, often, a few pence per transaction, so the rate that matters is the one worked out on your real average ticket. An integrated terminal takes the amount from the till, so there is no retyping and the day reconciles itself. Posso Pay is Posso's own merchant service, quoted from 1% + 10p on card turnover and the same rate in store and online; Teya and Dojo terminals are also supported.
Card machine fees explained: what you actually pay per transaction (2026 guide)
How UK card machine fees are built: percentage, pence, rental, PCI and settlement, and why 10p costs 1.7% on a £6 ticket. Posso Pay from 1% + 10p.
Last reviewed
Card machines: what small business owners actually say
Card machines as UK small business owners discuss them: reader picks, Zettle/PayPal warnings, fund holds and when to move to quoted rates.
Last reviewed
EPOS system that works with any card machine (2026 guide)
Can an EPOS system work with any card machine? Integrated vs standalone terminals explained, which terminals pair with Posso, and what to do mid-contract.
Last reviewed
EPOS that works with Dojo
EPOS that works with Dojo: keep your Dojo terminal and pair it to a Posso till so the amount pushes from the order. Systems from £499 + VAT.
Last reviewed
EPOS that works with Teya
EPOS that works with Teya: Posso One integrates Teya card machines natively — amounts push from the till, totals reconcile, no retyping. From £499 + VAT.
Last reviewed
How to get a credit card machine for your small business
How to get a credit card machine for your small business in the UK: what you need, how to apply, how long it takes, and what it costs. Card machines from Posso.
Last reviewed
How to reduce card processing fees (2026 UK guide)
How to reduce card processing fees in the UK: get quoted on your real ticket size, flat vs percentage-plus-pence, rental and PCI charges, with worked examples.
Last reviewed
POS system with card machine: the UK buyer's guide (2026)
POS system with an integrated card machine in the UK: what a complete package includes, how the till and terminal pair, and what it costs.
Last reviewed
This is one part of the Posso EPOS system — the same till, kitchen display, ordering and card payments, set up for your type of venue. Every one-off and monthly cost is on the EPOS pricing page.
Card payments — frequently asked questions
What is a typical card machine fee in the UK?
Payment-led readers usually charge a flat 1.5–1.75% per transaction. Merchant accounts are usually lower on the percentage and add pence per transaction. Posso Pay is quoted from 1% + 10p on your card turnover, so ask for the rate worked out on your real average sale.
What does an integrated card machine do that a standalone one does not?
The till sends the amount to the terminal, the customer taps, and the order is marked paid, with no retyping, no mismatched totals and card takings already split on the Z report.
Does Posso work with Teya or Dojo?
Yes. Posso integrates with Teya and Dojo terminals where a site already has one, and supplies Posso Pay terminals otherwise.
Get Your Free ePOS Demo Today
Tell us about your business and a member of the team will get back to you with a personalised demo, a quote, and answers to anything you want to check before you buy.
Prefer to talk? 0808 175 3956