Home > Processor Research > Card Cutters

Should You Use Card Cutters? Full Review Inside

Name: Card Cutters
Item: Card Cutters
Rating: 5
Author: Phillip Parker

Author: Phillip Parker

Updated: September 26, 2025

Maintained Since: November 17, 2016

+ Advertising Notice

We take our role in providing guidance and education regarding the card payment industry very seriously. At our own expense, we have vigorously defended our right to continue expose unethical and predatory practices in the industry, successfully defeating every attempt to silence us. However, fending off frivolous lawsuits is costly. To sustain these efforts, one of the ways we generate revenue is through affiliate partnerships with ethical providers. This means that some of our outgoing links connect business owners to trustworthy, low-cost payment processors, which is what most of our readers seek. We see this revenue channel as a win-win-win for everyone involved. Business owners find good processors, processors get good clients, and we are able to continue to provide a valuable service to the small business community. We also recommend and link to many services that do not compensate us. Our priority is to guide you to the best solutions for your needs, regardless of potential revenue. If you have questions, please feel free to contact us.

All mentions of rate and fee costs are estimations based on publicly available information and client feedback. Actual costs may vary based on a variety of factors unique to your business.

Card Cutters

Rating

5/5

Leave User Review Compare Ratings

Overview

In this review of Card Cutters, we take a closer look at the company’s credit card processing services. Their offerings include point-of-sale systems, mobile payment solutions, and e-commerce capabilities designed to support a wide range of businesses. We’ll highlight which businesses may benefit most from these services. We’ll also review client and customer feedback to identify common trends and potential concerns. In addition, we’ll cover the company’s pricing, contract terms, and included services. By the end, you’ll have a clear sense of whether Card Cutters is the right fit for 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.

Products & Merchant Services

Payment Processing

Card Cutters processes major debit and credit cards for a variety of business types.

POS Terminals

POS terminals are devices used by businesses to process customer payments, often seen in retail, hospitality, and service industries. They include features like card readers, receipt printers, and software for tracking sales and inventory.

Mobile Payments

Mobile payments enable customers to complete transactions using their smartphones or other mobile devices, usually through apps or contactless NFC technology.

EMV Card Readers and Swipers

EMV card readers are designed to read the microchips embedded in modern credit and debit cards, providing enhanced security compared to traditional magnetic stripe readers. Swipers, on the other hand, are still widely used but are becoming less common due to the higher risk of fraud associated with magnetic stripes. EMV technology has become the global standard for card payments.

Fundraising Services

Fundraising services typically include tools that help nonprofits, schools, and other organizations raise money more efficiently. These platforms often integrate donation pages, event ticketing, and reporting tools, making it easier for organizations to manage their campaigns and track contributions.

e-Commerce Solutions

Epos Now, Zash ePOS, and Zettle offer businesses comprehensive e-commerce solutions. Epos Now provides a cloud-based system that integrates with various apps to streamline online and in-store sales. Zash ePOS is another platform known for its simplicity, offering small and medium-sized businesses tools for selling online and managing transactions. Zettle, owned by PayPal, focuses on mobile and online payments, catering to entrepreneurs looking for an all-in-one solution to accept payments both online and offline.

Customer Reviews & Sentiment

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.

Industry Scores & User Ratings

Online Ratings Summary
PaymentPop	5
BBB Rating	N/A
Trustpilot	5
Google Maps	3.7
Average Rating	4.78

PaymentPop Rating for Card Cutters

Negative Feedback

There are no negative reviews published about Card Cutters on the PaymentPop website.

Positive Feedback

Card Cutters was a great choice for our small shop. The rates are affordable and they didn’t overcomplicate things with extra fees or confusing terms. Setup was quick and we’ve been able to focus on customers instead of tech issues.

No BBB 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.

Trustpilot Rating for Card Cutters

Card Cutters has a 5 out of 5 star rating based on 251 user reviews on Trustpilot.

Positive Feedback

We run a bed & breakfast and I used Card Cutters about a year ago to find the best rate for card services. They found us a very good deal for both merchant services and terminal hire and the process for setting all this in place went very smoothly. They continue to provide us with excellent support whenever required. I would have no hesitation in recommending Card Cutters.

Negative Feedback

asd

Google Maps Rating for Card Cutters

Card Cutters has a 3.7 out of 5 star rating based on 12 user reviews on Google Maps.

Positive Feedback

Tried a few card terminal suppliers over the years and card cutters are the best.
I have been with card cutters for 4 years now. I would highly recommend them to anyone.They are honest and reliable and go out of their way to help.
My card fees are lower with them than other providers which is the main reason I chose them. Very impressed with all aspects of the company

Negative Feedback

Terrible company, with atrocious customer service and even worse customer care and that is how they treat you when they are trying to win your business……….

Processing Rates & Fees

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

Employee Reviews & Sales Practices

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 ofbest 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.

Card Cutters Competitors

Compare Card Cutters to competitors that earned top marks.

Pricing

Bottom Line

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.

Read Actual User Reviews

See User Reviews Write a Review

All user reviews have been moved to our partner, PaymentPop.com

Contact Card Cutters

Contact & Customer Support
Director	Paul Edwards
UK Address	38 Potter St, Worksop S80 2AQ, UK
Ireland Address	Coliemore House, Coliemore Road, Dalkey, Co Dublin
Card Cutters UK Customer Support	01909 776532
Card Cutters Ireland Customer Support	01652 3194
Additional Support Channels	Online Contact Form
Website	card-cutters.com

About Us

CardPaymentOptions.com

Established 2009

My name is Phillip Parker, and I started this website back in 2009 as a simple blog to call out shady credit card processors that were taking advantage of small business owners. At the time, I had no idea this side project would grow into a leading voice pushing for transparency and integrity in the payment processing industry. I also didn't anticipate just how far some of these companies' owners would go to try to silence me.

I was recruited out of college for a sales role with a credit card processor. At the time, I didn't realize the “training” was really about tricking me... into selling business owners expensive processing with hidden fees and long-term service agreements. In my first few sales, I unknowingly cost friends and family thousands of dollars after they trusted me to switch their services. When it finally clicked that something was seriously wrong, I was furious. I quit immediately and made a promise to expose that company and any others operating the same way. That promise is what led to the creation of this website.

As I wrote about these processors, their tactics, and the people behind them, the articles started to spread among business owners. News organizations picked up the stories, readers shared them online, and traffic to the blog took off. Unsurprisingly, that also caught the attention of the companies and individuals I was exposing.

Over the last 17 years, I've received several anonymous death threats and defeated four lawsuits meant to intimidate me into taking my blog down. Their efforts to muzzle me only made my determination to expose them even stronger, leading me to work with state authorities to help shutdown some of the worst offenders.

I'm proud to say that of the millions of people who have read my work, thousands have taken the time to write and thank me for helping them narrowly avoid a very costly mistake. This blog has played a small role in pushing the industry toward more ethical practices - but there are still bad actors out there, which means the work isn't done.

If I can offer one piece of advice, it's this: get every promise in writing, and take the time to review contracts carefully. Tools like ChatGPT can help surface red flags and uncover expensive surprises buried in the fine print.

If you've made it this far, thank you for reading. I truly appreciate you being here, and I wish you every success with your business.

Our Research Methodology

Pricing & Fees

We analyze all costs including rate structures (interchange-plus, tiered, flat-rate, etc), monthly fees, equipment costs, early termination fees, and hidden charges. This data is gathered from service agreements, statements and client feedback.

Features & Technology

Evaluation of POS systems, e-commerce integrations, mobile capabilities, reporting tools, recurring billing..., and developer resources. When possible, we directly test services and hardware. Otherwise, we rely on client feedback and public information.

Customer Support

We evaluate availability across phone, email, chat, and social channels. Measuring hold times, night and weekend availability, and client feedback regarding effectiveness, professionalism, and resolution rates.

Contract Terms & Conditions

We review service agreements and equipment contracts for reasonability, transparency, and fairness. We focus on uncovering any predatory clauses, such as unjustified early termination fees, hidden costs, and unclear cancellation policies.

User Experience

We comb the internet and interview current and former clients to evaluate the overall user experience and identify any common pain points that may impact the user experience.

Sales & Marketing Practices

We evaluate sales tactics, marketing materials, and client feedback to determine the level of transparency and ethical nature of the provider's approach. Does the provider publicly disclose pricing? Do they use teaser rates? We score based on these and other factors.

Processor Leaderboard

Merchant Education

More Merchant Education

Popular Reviews

See All Reviews