Best UK Mobile Credit Card Processing Apps

What to Know Before Getting Started

Starting a New Business?

Selecting a credit card processor is often more complicated than most people expect. How much should you be paying in fees? Should you lease or buy equipment? Should you be locked into a service agreement for anything length of time? These considerations and several others are imporant to understand before signing up with any merchant account provider. Mistakes are easily made and can be very costly to your business. Along with seeing our top choices for payment services below, be sure to checkout this post to avoid common traps in the merchant services industry.

Considerations For Current Business Owners

Changing merchant accounts can be an expensive, complicated, and time consuming process. Are you really going to save as much as promised? Do you need to buy to new equipment or sign new lease agreements? Will there be other less accountable costs such as those associated with employee retraining? Before selecting one of our choices below, you may want to consider renegotiating your fees with your current payment processing vendors using the help of a contingency-compensated consultant. It can result in a dramatic decrease in costs without the pains of switching. In some cases business owner have also obtained substantial refunds of prior overcharges along with saving thousands in future processing costs. See this post to learn more about this little-known alternative to changing merchant account provider.

Mobile credit card processing in the United Kingdom has developed differently than it has in the U.S. Most noticeably, the much-hyped U.S. processor Square has yet to expand to the UK despite its high profile within the U.S. mobile payments market. The booming startup culture that infiltrated the U.S. payments space in the late 2000s has also not materialized in the UK, resulting in only a few small European alternatives to the standard mobile payment processing products from major banks and U.S.-based credit card processors. One possible reason for this delay in innovation may be the UK’s embrace of EMV and NFC payments, which require sophisticated mobile credit card readers instead of simple headphone jack swipers.

Whatever the reason, there does not appear to be a clearly dominant processor when it comes to UK mobile credit card acceptance. As a result, it can be hard for UK mobile merchants to distinguish between good credit card processors and bad credit card processors. Luckily for them, we have prepared the following list of the top mobile credit card processors for UK merchants. This list features merchant services providers that offer low-commitment, low-cost pricing plans with positively reviewed customer service. Although this list provides some basic information about each provider, merchants are encouraged to contact the companies themselves to clear up any confusion and compare costs.

Our unbiased articles are supported in part by helping you find highly reviewed merchant accounts. You can learn more here.

Why These Merchant Account Providers


Headquartered in Sweden, iZettle is a mobile credit card processor that has been processing payments since 2010. The company’s products and services include an EMV- and NFC-compatible mobile credit card reader, a point-of-sale app, email marketing tools, sales analytics, Xero integration, point-of-sale hardware, and merchant cash advance. iZettle is capable of serving businesses in Sweden, Finland, Denmark, Norway, United Kingdom, Germany, France, Spain, Italy, Portugal, the Netherlands, Mexico, and Brazil.

iZettle does not charge any monthly fees and gradually lowers its transaction fee from 2.75% for merchants who process less than £2,000 in a given month all the way down to 1% for merchants who process over £40,000 per month. Our review of iZettle currently gives it an “A” rating overall.

For more information, see the iZettle website.

iZettle Highlights

£29 + VAT card reader
1% to 2.75% per transaction
Live customer support

Other Merchant Account Options

The providers in this section may not have been researched as thoroughly or may lack a quality that prevented them from being listed above. We have listed them here to provide a broader view of potential merchant account options. Are you a decision maker with your company and believe that you should be listed below? Tell us here.


Based in the UK, Payleven is a mobile payment service that is “powered by” SumUp. As such, its products and services are very similar to those offered by SumUp, including an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, multi-user support, additional point-of-sale hardware, and emailed receipts. Payleven differs from SumUp in its pricing, which starts at 2.75% for low-volume users and decreases gradually to 1.50% for users processing over £7,500 per month. This makes Payleven a more cost-effective choice than SumUp for merchants who process more than £5,000 per month.

Payleven’s mobile card reader costs £59 plus VAT. The company offers live phone support during business hours to all of its merchants. Our review of Payleven currently gives it an “A” rating.


A London-based business, SumUp is a mobile payment service that merged with Payleven in April 2016 and now acts as the parent brand between the two. Its products and services include an EMV/NFC card reader, a point-of-sale app, sales analytics, an itemized product catalogue, and digital receipts. Unlike Payleven, SumUp charges a flat rate of 1.95% for all transactions, regardless of the merchant’s sales volume. This makes it a cheaper option than both Payleven and iZettle for merchants who process less than £4,700 per month.

SumUp’s mobile card reader costs £59 plus VAT. The company does not offer live phone support to its merchants. Our review of SumUp currently assigns it an “A” rating.

PayPal Here

PayPal may be best known as a global e-commerce payment processor, but the company also provides a mobile processing service for UK-based merchants called PayPal Here. PayPal Here’s features include an EMV/NFC card reader, a mobile app, multi-user support, point-of-sale hardware accessories, invoicing, tipping, and digital receipts. Its pricing decreases for higher-volume merchants, from 2.75% per transaction to potentially 1.5%, and it also offers interchange-plus pricing.

PayPal Here charges £39.99 plus VAT for its card reader and offers UK-based phone support. Our review of PayPal Here’s U.S. product currently assigns it an “A” rating.

If we are missing any great UK mobile payment processing apps that should be included on this list, please let us know in the comment section below.

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing and Merchant Account Services

I'm a former credit card processing sales director who left the industry because I didn't like how it takes advantage of small business owners. It feeds like a leech on businesses and thrives by imposing fees that are nearly impossible to comprehend. Seeing a need for change, I left and built this website help business owners better understand the industry, research merchant services providers, and get refunds of excessive merchant account fees. My experience of working "behind the curtain" in the industry, and using that knowledge for good, has resulted in millions of dollars returned to hard-working small business owners as well as enterprise-level companies.

From the time that I starting working in the merchant services industry to when I left to create this website, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this "insider" knowledge to myself. To lift the fog, I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers on this website.

How I Can Help You

I specialize in helping businesses get refunds of excessive fees and have recovered $1,567,184 this year alone! Submit a recent statement below to find out if you are getting overcharged. I'll take a look at it for free. If I find fees that can be refunded, hire me on contigency. I only get compensated if I put money back into your pocket.

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