Card payments have become part of everyday business. For many customers, tapping a card or phone is the default, not a preference. If you don’t offer it, you risk slowing things down or losing the sale entirely.
This guide explains the main ways to accept card payments, how they work and what to think about before choosing a setup.
The main ways to take card payments
There isn’t one right way to accept card payments. The best option depends on how and where you sell.
In person
If you sell face to face, you’ll usually need a card reader. These connect to your phone, tablet or WiFi and let customers pay using cards, phones or smartwatches.
Online
For online sales, card payments are handled through a payment gateway. This sits behind your website or checkout and processes payments securely.
Over the phone
Some providers let you take card payments over the phone using a virtual terminal. This can work for bookings or one off payments.
Each option comes with different costs and setup requirements.
What you’ll need to get started
To accept card payments, you’ll usually need:
- A business bank account
- A payment provider or card reader
- An internet connection or mobile signal
Most providers can get you set up quickly, often within a few days.
Understanding the costs
Card payments aren’t free, so it’s important to know what you’re paying for.
Common charges include:
- Transaction fees per payment
- Monthly or rental fees for card readers
- Charges for refunds or chargebacks
Fees vary by provider and by card type. Low value payments can feel the impact of fees more, so it’s worth doing the maths.
In person vs online costs
In-person payments often have lower fees than online ones. Online payments usually include extra security checks and processing, which is reflected in the price.
If you sell both ways, look for a provider that handles everything in one place.
Security and customer trust
Good payment providers handle security for you. They use encryption and fraud checks to protect both you and your customers.
From your side, it helps to:
- Use trusted providers
- Keep devices and software updated
- Train staff on basic payment safety
A smooth and secure checkout builds trust and keeps customers coming back.
Choosing what’s right for your business
Think about:
- Where most of your sales happen
- Average transaction values
- How often you take payments
- Whether you want everything in one system
You don’t need the most advanced setup on day one. You just need something reliable that fits how you sell.
Accepting card payments isn’t about chasing trends. It’s about meeting customers where they are and making it easy for them to pay you.
