Card Machines for Taxis and Mobile Trades: 4G Readers and On-Site Payment

LAST REVIEWED 2026-09-06

Do taxis have to accept card payments?

Yes, in London. Transport for London (TfL) required all black cabs to accept card payments from October 2016. This applies to licensed taxi drivers operating in the capital. Outside London, local licensing rules may vary, but many councils now expect card acceptance as standard.

The mandate came after a consultation that found card payments improve passenger convenience and driver safety by reducing cash handling. Drivers who fail to offer card payment can face penalties, including fines or licence conditions. The requirement covers all journeys, including those booked through apps or hailed on the street.

For private hire vehicles (minicabs), the rules differ. They are not subject to the same TfL mandate, but many operators now provide card payment as a competitive necessity. Passengers increasingly expect to pay by card, and offering this option can boost customer satisfaction and repeat business.

If you are a taxi driver outside London, check with your local council. Some have introduced similar requirements, while others leave it voluntary. Even where not mandatory, accepting cards can expand your customer base and reduce the risks of carrying large amounts of cash.

How do 4G and offline card readers work for mobile businesses?

4G card readers use a mobile data connection to process payments anywhere, making them ideal for taxis and tradespeople who work at different locations. They do not rely on Wi-Fi, so you can take payments at a customer's home, on the roadside, or at a job site.

These readers typically come with a built-in SIM card or use a companion app on your smartphone. The device connects to the mobile network to authorise transactions. Some models also offer offline mode, where transactions are stored and processed when a connection is restored. This is useful in areas with poor signal, but be aware that offline transactions may take longer to appear in your account.

Battery life is another consideration. A full day of driving or multiple site visits can drain the battery, so look for a reader with long battery life or a portable charger. Many modern readers are compact and can be paired with a phone via Bluetooth, but they still need their own power source.

When choosing a 4G reader, consider the network coverage in your area. Some providers use specific networks, and coverage can vary. Check the provider's coverage map or ask for a trial period. Also, consider the cost of data: some readers include a data plan in the monthly fee, while others require you to provide your own SIM.

Can tradespeople send payment links instead of using a card machine?

Yes, payment links are a popular alternative for tradespeople. Instead of carrying a card machine, you can send a secure link via text or email, and the customer pays online. This is particularly useful for invoices, deposits, or when you are not physically present.

Payment links work by directing the customer to a hosted payment page where they enter their card details. The transaction is processed by the payment provider, and the funds are settled into your account. This method is convenient for both parties: the customer can pay at their leisure, and you avoid the need for a physical terminal.

Many providers offer payment links as part of their package, often at the same transaction rate as in-person payments. For example, SumUp and Zettle both offer payment links, and their rates are 1.69% and 1.75% respectively. Some providers may charge a higher rate for online transactions, so check the terms.

Payment links are particularly useful for tradespeople who send invoices after completing a job. You can include a link in your invoice, making it easy for the customer to pay immediately. This can reduce the time you spend chasing payments and improve your cash flow.

How can tradespeople take deposits by card?

Taking a deposit by card is straightforward with most modern payment providers. You can either use a card machine to charge a percentage upfront or send a payment link for a fixed amount. This secures the booking and covers initial costs.

With a card machine, you simply enter the amount and take the customer's card. The deposit is then deducted from the final invoice.

Some providers allow you to take a pre-authorisation, which holds the funds but does not charge them until the job is complete. This is useful for larger projects where the final cost may vary. However, pre-authorisation can take a few days to expire if you do not capture the funds.

When taking deposits, it is important to have a clear policy on refunds. If the customer cancels, you may need to refund the deposit. Most providers allow you to issue a refund directly from your account. Ensure you understand the refund process and any time limits.

What does a typical month of card payments cost for a taxi or trade business?

The cost of accepting card payments depends on your monthly turnover and the provider's fee structure. The table below shows the monthly fee at published pay-as-you-go rates for different turnover levels.

For a monthly turnover of £2,000, SumUp charges £33.8, Zettle and Square charge £35 each. Tide charges a fixed £2.99 plus VAT, but its transaction rate is not published. Worldpay charges a fixed £20.00 per terminal, also with an unpublished rate.

At £10,000 turnover, SumUp charges £169, Zettle and Square charge £175. At £40,000, SumUp charges £676, Zettle and Square charge £700. These figures assume no monthly fee, which is the case for SumUp, Zettle, and Square. Tide and Worldpay have monthly fees but may offer lower transaction rates for high volumes.

For a taxi driver with a turnover of £2,000 per month, the percentage fee is a small cost compared to the convenience for passengers. For a tradesperson with higher turnover, the difference between 1.69% and 1.75% becomes more significant.

Which card machine providers suit taxis and mobile trades?

Several providers offer card machines suitable for taxis and mobile trades. The table below summarises hardware costs, monthly fees, and settlement times.

SumUp and Square do not publish hardware costs, but they often offer free or discounted readers with promotions. Zettle sells hardware from £29 excluding VAT. Tide offers hardware from £11 plus VAT, but charges a monthly fee of £2.99 plus VAT. Barclaycard charges £29 plus VAT one-off, with no monthly fee for the first 12 months, then £18 plus VAT. Worldpay does not publish hardware costs but charges £20.00 per terminal monthly.

Settlement times vary: SumUp settles next day, Zettle settles within minutes to a PayPal Business account, Tide settles next business day, Barclaycard next day, and Worldpay within 24 hours. Faster settlement can improve cash flow, which is crucial for small businesses.

For taxis, a 4G reader with long battery life and quick settlement is ideal. For tradespeople, a portable reader that can also send payment links is versatile. Consider the total cost of ownership, including hardware, monthly fees, and transaction rates, to find the most cost-effective solution for your specific needs.

What are the differences between SumUp, Zettle, and Square for mobile use?

SumUp, Zettle, and Square are popular choices for small businesses due to their low transaction rates and no monthly fees. However, they differ in features and hardware.

SumUp charges 1.69% per transaction, the lowest among the three. Zettle and Square both charge 1.75%. SumUp offers a range of card readers, including a 4G model, while Zettle and Square also have portable options. Square's reader is known for its sleek design, but it may not have a built-in 4G option; it relies on a phone's connection.

Zettle is owned by PayPal, so funds settle directly into a PayPal Business account, which can be convenient if you already use PayPal. Square offers a comprehensive ecosystem with invoicing, inventory, and analytics. SumUp is straightforward and cost-effective, with a simple pricing structure.

For taxis, a 4G reader is essential, and SumUp's 4G model is a strong contender. For tradespeople who need to send invoices and payment links, Zettle and Square offer more integrated solutions. Consider your specific needs and the total cost over a year, including any hardware purchases.

How do fixed-fee providers like Tide and Worldpay compare for high-volume users?

Fixed-fee providers charge a monthly fee but may offer lower transaction rates for high-volume users. Tide charges £2.99 per month plus VAT, and Worldpay charges £20.00 per terminal per month. Their transaction rates are not published, so you need to contact them for a quote.

For a business with a monthly turnover of £40,000, the percentage fee at 1.69% would be £676. However, without published rates, it is difficult to compare directly.

Worldpay's £20.00 monthly fee is higher, but it may offer lower rates for large volumes.

When considering fixed-fee providers, ask for a detailed quote based on your expected turnover. Compare the total cost, including hardware, monthly fees, and transaction rates, to determine which is more cost-effective for your specific situation.

What should taxi and trade businesses check before signing up for a card machine?

Before choosing a card machine, there are several factors to consider. First, check the transaction rate and whether there is a monthly fee. Some providers offer lower rates but charge a monthly fee, which may not be cost-effective for low-volume users.

Second, consider the hardware cost. Some providers offer free readers with a contract, while others charge upfront. For a taxi driver, a 4G reader is essential, so check if the hardware supports 4G and what the battery life is like.

Third, look at settlement times. Faster settlement can improve cash flow, but some providers charge extra for next-day settlement. Fourth, check the contract terms: are you locked in for a minimum period? Are there early termination fees?

Fifth, consider the customer experience. Does the reader support contactless and mobile wallets like Apple Pay? Is the payment process quick and reliable? Finally, read reviews and ask other businesses about their experiences with the provider.

How does the TfL mandate affect taxi drivers outside London?

The TfL mandate applies only to London's black cabs. Taxi drivers outside London are not subject to the same requirement, but many local councils have introduced similar rules. For example, some cities require taxis to accept card payments as part of their licensing conditions.

Even where not mandatory, accepting card payments can be beneficial. Passengers increasingly expect to pay by card, and offering this option can increase your customer base. It also reduces the risk of carrying cash, which can be a safety concern.

If you are a taxi driver outside London, check with your local licensing authority to see if there are any requirements. Even if there are none, consider investing in a card machine to stay competitive. Many passengers now assume taxis accept cards, and not offering this can lead to lost business.

In summary, while the TfL mandate is specific to London, the trend towards cashless payments is nationwide. Adopting card payment technology can future-proof your business and meet customer expectations.

Glossary: card payment terms explained

4G card reader: A portable card machine that uses a mobile data connection to process payments, allowing transactions anywhere without Wi-Fi.

Payment link: A secure URL sent to a customer via text or email, which they can click to pay online using their card.

Settlement: The process by which funds from card transactions are transferred to your business bank account, typically taking one to two days.

Pre-authorisation: A hold placed on a customer's card to reserve funds, which is later captured or released depending on the final transaction amount.

Pay-as-you-go rate: A transaction fee charged as a percentage of each sale, with no monthly subscription, typical for small business card readers.

Frequently asked questions

Do taxis have to accept card payments?

In London, yes. Transport for London (TfL) requires all black cabs to accept card payments from October 2016. This mandate applies to licensed taxi drivers operating in the capital. Outside London, requirements vary by local council. Some councils have introduced similar rules, while others leave it voluntary. Even where not mandatory, accepting cards is increasingly expected by passengers and can help you stay competitive. Check with your local licensing authority for specific rules in your area.

What is the best card reader for a plumber?

The best card reader for a plumber depends on your needs. For a mobile trade, a portable reader that connects to your phone via Bluetooth is convenient. Providers like SumUp, Zettle, and Square offer compact readers with no monthly fees. SumUp charges 1.69% per transaction, while Zettle and Square charge 1.75%. If you need to send invoices and payment links, Zettle and Square offer integrated solutions. Consider battery life, durability, and whether you need 4G connectivity if you work in areas with poor phone signal.

Can I send a payment link instead of using a card machine?

Yes, payment links are a popular alternative. You can send a secure link via text or email, and the customer pays online. This is useful for invoices, deposits, or when you are not physically present. Many providers offer payment links at the same rate as in-person payments. For example, SumUp and Zettle both offer payment links at their standard rates. Payment links can reduce the need to carry a card machine and make it easier for customers to pay promptly after a job.

Do 4G card readers include data?

Some 4G card readers include a data plan as part of the service, while others require you to provide your own SIM. For example, SumUp's 4G reader includes a data plan with no extra cost, but you need to check the terms. Other providers may charge a monthly fee for data or expect you to insert your own SIM. Always check the provider's specifications and any ongoing costs. If you work in areas with poor coverage, consider a reader that uses multiple networks or has offline mode.

Can I take a deposit by card?

Yes, you can take a deposit by card using a card machine or a payment link. Simply charge the deposit amount, and later adjust the final invoice. Some providers allow pre-authorisation, which holds the funds but does not charge until the job is complete. This is useful for variable costs. Ensure you have a clear refund policy in case of cancellation. Most providers allow you to issue refunds directly from your account, but be aware of any time limits or fees.