Take payments with Lloyds Cardnet®

Waiter taking a payment using a Cardnet card machine

Take a peek at our prices for accepting payments

Find out how much it could cost your business to take payments with Lloyds Cardnet®.

What you could pay

Monthly fees

You pay this when you:

  • Use a device for face-to-face payments
  • Take online payments from a page on a website
  • We also add on VAT

You could pay a one-off fee instead for some devices. 

Service Charges

If you’re a pay as you go customer, you only pay a transaction fee for each payment your customers make.

For all other customers, we charge the following fees on every payment you take:

  • Transaction fees for accepting card payments such as Visa Debit or Mastercard Credit
  • An authorisation fee.

Your minimum monthly charge is £10.

Additional fees​

Some transactions may come with additional fees such as: 

  • Card-not-present fee (e.g. sale by phone)
  • International card payments
  • Payment made online or by link
  • Refunds and chargebacks

 Let’s look at some examples

These examples show what a typical service charge for a single transaction is like.

Face to face

A customer buys products worth £100 in-store
with a UK VISA debit card.

Table showing service charges for a Visa debit face to face transaction. The service charge is 0.5 percent amounting to 50 pence. An additional authorisation fee is 3 pence bringing the total to 53 pence.

Online, over the phone or by mail

A customer buys products worth £100 online
with a UK Mastercard credit card.

Service Charges

Table showing service charges for an online over-the-phone or by mail Mastercard credit transaction. The service charge is 0.5 percent, amounting to 50 pence. An additional authorisation fee is 3 pence. A card-not-present fee of 0.2 percent adds 20 pence, and an online payment gateway fee is 13 pence. The total charge is 86 pence.

Face to face

A customer buys products worth £100 in-store with a UK VISA debit card.

Service Charges

Table showing service charges for a Visa face to face debit transaction. The service charge is 0.5 percent amounting to 50 pence. An additional authorisation fee is 3 pence bringing the total to 53 pence.

Online, over the phone or by mail

A customer buys products worth £100 online with a UK Mastercard credit card.

Service Charges

Table showing service charges for an online over-the-phone or by mail Mastercard credit transaction. The service charge is 0.5 percent, amounting to 50 pence. An additional authorisation fee is 3 pence. A card-not-present fee of 0.2 percent adds 20 pence, and an online payment gateway fee is 13 pence. The total charge is 86 pence.

These prices are just to give you an idea of what we charge for transactions. They do not include monthly card reader rental fees.
We'll only charge a payment gateway transaction fee if you've taken out a payment page for online payments with us.

 Card readers for businesses of all sizes

MPOS Card machine

Perfect for taking payments on the go

£49 one-off

No VAT of first card reader
Plus 1.75% fixed transaction rate​

MPOS
Castle Saturn card machine

Popular for accepting payments every day

£27 monthly rental + VAT

Plus tailored transaction fees
Includes SIM

Castles Saturn
Clover Flex card machine

A complete business management solution

£21 monthly rental + VAT

Plus tailored transaction fees
Optional SIM £10 monthly + VAT

Clover Flex

Get a quote for taking payments

Get a quote for taking payments

Find out how much it might cost to take card payments with Lloyds Cardnet.

Get a quote

 Other fees to think about

Regular charges

Some regular charges may also apply. Here are some examples:

  • Payment Card Industry Data Security Services management
  • Software subscription is required for some card readers

Fees for extras​

Adding services and accessories may come with additional fees. Examples are:

  • Accessories such as a cash drawer or printers
  • Accepting American Express payments

Want to take payments only?

If you already have the hardware you need, such as a card machine or online gateway, we can give you a quote for taking payments only. Enquire online, or by calling us on 0330 134 7976.

Lines open 9am to 5pm Monday to Friday.

Enquire now

Ready to get started?

Enquire online, or by calling us on 0330 134 7976. Lines open 9am to 5pm Monday to Friday.

Apply now

Cardnet® is a registered trademark of Lloyds Bank plc.