Take payments with Lloyds Cardnet®

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.

Fee typeAmount
Service charge – Visa debit: 0.5%£0.50
Authorisation£0.03
  
  
Total£0.53

Online, over the phone or by mail

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

Fee typeAmount
Service charge – Mastercard credit: 0.5%£0.50
Authorisation£0.03
Card‑not‑present: 0.25%£0.25
Payment gateway£0.13
Total£0.91

Face to face

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

Fee typeAmount
Service charge – Visa debit: 0.5%£0.50
Authorisation£0.03
Total£0.53

Online, over the phone or by mail

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

Fee typeAmount
Service charge – Mastercard credit: 0.5%£0.50
Authorisation£0.03
Card‑not‑present: 0.25%£0.25
Payment gateway£0.13
Total£0.91

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.

Please be aware, these pricing examples don't include Lloyds Accept. If you're looking for Lloyds Accept pricing, please go to the Lloyds Accept pricing page.

 Card readers for businesses of all sizes

Everyday card reader

£23 monthly rental + VAT

  • Out-of-the-box card reader to start taking payments quickly and easily.

  • Connects with Wi-Fi and 4G using free SIM.

  • Tailored transaction fees.

  • Up to 10 hours battery life.

Apply for Castles Saturn

Business management solution

£21 monthly rental + VAT (optional £10 SIM)

  • Comes with optional apps to help you take payments, manage stock and more.

  • Connects with Wi-Fi (optional 4G SIM for £10 a month + VAT).

  • Tailored transaction fees.

  • Up to 8 hours battery life.

Get a call about 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.

©2026 The Clover trademark and logo are owned by Clover Network, Inc. a Fiserv, Inc. company. All Rights Reserved. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.