Card Cutters Reviews & Complaints

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How did they treat you? ▼


In this review of Card Cutters, we will provide a detailed overview of the company's credit card processing services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific services provided. By the end of this review, you will have a clear understanding of whether Card Cutters meets your payment processing needs.

About Card Cutters

Founded in June 2009, Card Cutters is a merchant account provider that claims to serve over 3,000 retail, mobile, and e-commerce merchants in the UK and EU. Card Cutters is an agent of Allied Irish Bank (AIB) and likely uses it as its acquiring bank. In 2022, DNA Payments acquired Card Cutters.

Card Cutters Payment Processing

Card Cutters processes all major debit and credit cards for most business types. Their services include POS terminals, mobile payments, EMV card reader/swipers, fundraising services, and e-commerce solutions including online payments (from Epos Now, Zash ePOS, and Zettle).

Card Cutters payment processing
Card Cutters offers a variety of payment processing services

Card Cutters Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints <10
Live Customer Support Yes
Most Common Complaint N/A

Low Complaint Total

Currently, only 2 negative Card Cutters reviews have been located. Neither accuses the company of fraudulent practices. One review mentions an unexpected four-year contract, but lacks detail. Card Cutters has a 5.0 out of 5 rating on Trustpilot UK with 251 reviews. While impressive, it’s important to note Trustpilot allows companies some control over their profiles, which might affect credibility. Other third-party sites also show positive feedback, but due to unclear review methodologies, these are taken with caution. Despite this, the low complaint volume is notable. We invite you to share your own Card Cutters review in the comments.

Card Cutters Lawsuits and Fines

No significant class-action lawsuits or FTC complaints have been found against Card Cutters. Merchants seeking alternative dispute resolution methods may consider reporting to appropriate supervisory bodies.

Card Cutters Customer Service Options

Card Cutters provides UK-based phone support during business hours and email customer support. These services meet our criteria for excellent customer service in merchant accounts.

Available Card Cutters customer service contacts:

A customer support form is also available on their website.

When discussing Card Cutters, incorporating key phrases such as ‘Card Cutters complaints’ and ‘Card Cutters customer reviews’ is essential for SEO, ensuring potential clients can find and assess the company’s customer service effectively.

Card Cutters Online Ratings

Here's How They Rate Online

No Profile

The Better Business Bureau does not maintain a profile for Card Cutters at this time. We therefore will not factor a BBB rating into this review.

Card Cutters Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 1.00% - 4.99%
Keyed-in Rate 1.00% - 4.99%
Virtual Terminal Rate £0.12/€0.12 - £0.15/€0.15 Per Transaction
Payment Gateway Fee £15/€15 - £25/€25 Per Month
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms £9.99 or £24.99 Per Month

18-Month Contract

We are currently able to find only scattered details about the standard Card Cutters contract. The company claims to offer interchange-plus pricing but previously advertised a rate of 0.9% on its homepage with no further explanation. It also states that it does not charge setup fees or authorization fees.

Virtual Terminal and Payment Gateway Pricing

In addition to its storefront payment processing services, Card Cutters also dedicates a portion of its website that advertises its virtual terminal and payment gateway services. Since the time of our last review, Card Cutters has revised its e-commerce offering by partnering with Global Payments. The company now offers 2 different e-commerce platforms, one which strictly provides a virtual terminal for MOTO accounts and another more comprehensive option for online payments.

The virtual terminal alone costs £15 or €15 per month depending on the native currency of the merchant. The first 100 transactions through the virtual terminal do not assess any added fees; however, any additional transactions are charged £0.15 or €0.15 thereafter.

Merchants seeking more comprehensive e-commerce services that facilitate both MOTO and online payments can select the Cart Cutters Ecommerce Inc. E-Terminal Plan. This plan costs £25 or €25 per month and provides a higher volume of 350 transactions without any added fees. Additional transactions are charged £0.12 or €0.12 thereafter.

Competitive Pricing

In general, Card Cutters’s contract terms seem fairly standard for the UK, although whether or not it charges an early termination fee will determine whether it can compete with the cheapest merchant accounts. As of this review, we are unable to find any information about a possible cancellation fee from Card Cutters. We are also able to find only one Card Cutters complaint about its contract terms or pricing, which has resulted in an “A” for this category. If you have any knowledge of the standard Card Cutters contract (including any monthly minimum fees or early termination fees), please share that information in the comment section below this review. We also encourage merchants to check out our list of the providers of the best merchant accounts.

Card Cutters payment gateway Card Cutters offers access to e-commerce solutions including payment gateways and virtual terminals

Card Cutters Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Outside Sales Team

Card Cutters appears to rely primarily on independent sales representatives and traditional advertising to market its services. The use of independent agents is commonly tied to high complaint rates within the credit card processing industry, but Card Cutters appears to defy this trend. We are currently unable to locate any Card Cutters reviews that mention deceptive tactics by the company’s sales team. In addition, Card Cutters has been promoting interchange-plus pricing, the most transparent pricing model available, since January 2015. This compares favorably to our list of best credit card processors.

Confusing Rate Quotes

Despite its commitment to interchange-plus pricing, the Card Cutters homepage advertised “Credit card rates only 0.9%” at the time of an earlier update. It’s unclear whether this was a flat rate quote or the company’s standard markup over interchange, but there was no further explanation of this quote. We consider this type of rate quoting to be deceptive because it could give merchants an unrealistic expectation of the rates they will pay. It’s likely that Card Cutters offers some pricing model involving this 0.9% figure, but merchants should never expect to receive an effective rate of 0.9%. The company has since removed this quote from its website, but you can ensure that other rates aren’t lurking in your contract with a third-party statement audit.

Our Card Cutters Review Summary

Our Final Thoughts

Card Cutters stands out as a trustworthy, versatile merchant services provider for businesses in the UK. While navigating the company’s extensive marketing materials and glowing testimonials can be overwhelming, the relative scarcity of complaints about Card Cutters supports its high current rating. However, merchants seeking a budget-friendly alternative might find greater value in exploring UK mobile credit card processors. These options often provide competitive pricing and flexibility, particularly for small or mobile businesses looking for cost-effective payment solutions. Ultimately, each merchant should carefully evaluate their unique needs and the potential benefits of various service providers before making a decision.

Location & Ownership

Paul Edwards is the director of Card Cutters while Ian Shaw is listed as owner. The company lists a UK office at 38 Potter St, Worksop S80 2AQ, UK as well as an Ireland-based office at Coliemore House, Coliemore Road, Dalkey, Co Dublin.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Card Cutters Treat You?

1 User Reviews

  • Avery Ella

    I recently switched to Card Cutters for my payment processing needs, and I must say, they have exceeded my expectations! Their service is top-notch, and the team has been incredibly helpful throughout the onboarding process. I appreciate the seamless integration of their payment solutions into my business, making transactions smoother than ever.

    The real-time analytics feature is a game-changer, providing valuable insights into my sales trends and customer behavior. It’s evident that Card Cutters prioritizes security, as I feel confident knowing that my customers’ data is well-protected.

    Moreover, their competitive pricing is an added bonus, helping me save on processing fees without compromising on quality. I couldn’t be happier with their services and will definitely recommend Card Cutters to fellow entrepreneurs. They are a reliable partner, and I look forward to growing my business with them by my side.

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