Card Cutters Review: Fees, Comparisons, Complaints, & Lawsuits

Card Cutters Logo
Card Cutters Rating
Star Full Star Full Star Full Star Full Star Full

Agree with our rating?
Leave a comment below

Call Card Cutters Call Card Cutters 01909 776532 View Pricing

An Agent of Allied Irish Bank

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 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.

Card Cutters Review Table of Contents

  • Costs & Contract: Full documentation is unavailable, but Card Cutters seems to offer standard pricing and contract terms for the UK. The company also provides a MOTO and e-commerce gateway through Global Payments.
  • Complaints & Service: Card Cutters complaints number less than 10 negative reviews.
  • BBB Rating: Card Cutters does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Card Cutters appears to hire independent sales agents but has not received any complaints about its sales tactics.
Card Cutters payment processing

Card Cutters offers a variety of payment processing services

Card Cutters Customer Reviews

Here's What Their Clients Say

Key Points

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

Low Complaint Total

As noted above, we are currently able to locate only 2 negative Card Cutters reviews, and neither review accuses the company of being a ripoff or a scam. One reviewer states that they found themselves locked in a four-year contract with Card Cutters, although they do not specify any details beyond this.

Card Cutters currently maintains a 5.0 out of 5 rating on Trustpilot UK based on 251 reviews. However, we are not inclined to factor a Trustpilot score heavily into our overall ratings due to their policy of allowing companies to purchase limited control of their profiles. All other third-party review sites offer similar praise for Card Cutters, but we cannot give weight to these reviews because they are not transparent about their methodology. Even though it is difficult to determine the veracity of most positive Card Cutters reviews, it is clear that the company has attracted a very low number of complaints. We therefore assign it an “A” in this section. If you have your own Card Cutter review to make, please do so in the comments below.

Card Cutters Lawsuits and Fines

We have not found any outstanding class-action lawsuits or FTC complaints filed against Card Cutters. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Card Cutters Customer Service Options

Card Cutters offers UK-based phone support during business hours as well as email customer support, which are our basic expectations of top-rated merchant accounts for great customer service.

We have located multiple Card Cutters customer service phone numbers:

01909 776532 – Card Cutters UK Customer Support
01652 3194 – Card Cutters Ireland Customer Support

Card Cutters also offers a customer support form on its website as well as the following customer service email addresses:

[email protected] – Card Cutters UK
[email protected] – Card Cutters Ireland

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

Key Points

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?

Key Points

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

Solid Option for UK Businesses

Card Cutters rates as a reliable all-purpose merchant services provider for UK businesses. It is difficult to sort through all of the company’s sales copy and positive testimonials, but the general absence of Card Cutters complaints has ensured a high rating for the company at this time. We will continue to monitor merchant feedback about Card Cutters and adjust our rating as necessary. Merchants who are interested in a low-cost alternative to Card Cutters may be better served by a UK mobile credit card processor.

If you found this article helpful, please share it!

Your Comments & Reviews

How Did Card Cutters Treat You?

1 Responses

  • 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.

Leave a reply

Your email address will not be published. Required fields are marked *


Comments must contain details about your experience. Please do not use ALL CAPS. Self-promotion, marketing content, or contact information of any kind will not be published. By submitting a comment, you are agreeing to our Comment Policy


Copyright © 2023, Inc. (Digital Fingerprint: 0d38c6720f0d78a701b74d58653af608). Getting paid to re-write this page? Click here to earn a reward.

Any unauthorized copying and reproduction of the content of this page, including all meta data and computer code, is strictly prohibited. While the information in the above article is believed to be accurate as of its publish date, the author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is,” and without warranties. Any and all use of trade names and/or marks are for identification purposes only and shall not be construed as a claim of affiliation, or otherwise, with, Inc. ("CPO") in any form. The sole purpose of the material presented herein is to alert, educate, and inform readers. It is not intended as legal or financial advice. We may earn revenue if you obtain services from a provider that we recommend. See this page to learn how we support our operations.

FTC Advertising Disclosure
We take great pride in providing one of the only objective an unbiased merchant account review websites on the internet. To support this responsibility, we may in some cases, but not all, earn revenue if you choose a service provider that we have fully researched and vetted. We only recommend providers that we have determined to be safe for our readers. We do not accept payment, gifts, or any other bribes in exchange for postive reviews or ratings. We care about doing right by our readers.
closecloseShow disclosure
About CPO

We are committed to ensuring the accountability of credit card processors by bringing transparency to their business practices. Our primary objective is to to expose unscrupulous processors that impose substantial rate markups, unjustifiable fees, and exploitative contracts that result in substantial losses for small business owners.

We have been in operation since 2009, diligently conducting comprehensive research, publishing extensive reviews, and monitoring more than 1,000 payment processors. Our expertise in the merchant services industry has garnered recognition from esteemed publications such as the Los Angeles Times, INC Magazine, The Atlantic, and the Miami Herald, among others.

Popular Merchant Account Research
Fiserv Review
stripe logo
Stripe Review
square credit card processing logo
Square Review
Low Cost Processor of 2023