Accepting card payments - Cardnet®

Accepting card payments simply and easily, in person, online and over the phone with Lloyds Bank Cardnet

Features and benefits

  • Accept card payments online, face-to-face and over the phone.
  • No Lloyds Bank Business Account required.
  • Foreign currency conversion for overseas customers.
  • Easily track payments with sophisticated online reporting tools.
  • Add business enhancing apps with our Clover devices.
CloverTM Flex Card Reader

Available machines

There are a number of machines and prices to suit your needs.

Cardnet is a chargeable service. Minimum terms and terminal leasing charges apply.

How to apply

Apply online

Lloyds Bank Cardnet make accepting card payments simple. This online application is suitable for Lloyds Business banked customers requiring a card machine.

Apply online

Enquire online

Completing our online enquiry for takes about 10 minutes. Once we receive it, we’ll contact you to discuss your business needs in more detail.

Alternatively call us on 08081596423 to discuss how Cardnet® could help your business. We are available Monday to Friday, 9am to 5pm.

Enquire online
  • Online payments:

    Process payments online using Lloyds Bank Cardnet’s and 3rd party e-commerce payment gateways.

    • Mastercard®
    • Debit Mastercard®
    • Maestro*
    • International Maestro*
    • Visa Credit
    • Visa Debit
    • Electron
    • V PAY**
    • Paypal
    • Discover
    • Diners Club International
    • BC Global Card
    • DinaCard
    • Corporate, Commercial and Purchasing cards (certain providers only)
    • American Express#

    Over the phone payments:

    We make it easy for you to accept payments by phone. It’s a safe way to process card payments remotely.

    • Take card details over the phone and process payments.
    • Get up and running quickly—all you need is internet access.
    • Keep costs down, with no hardware or dedicated phone line required.
    • Over-the-phone trading is suited to a wide range of businesses.

    International payments:

    Make it easy for international customers to pay in their local currency with multi-currency card processing or with our Dynamic Currency Conversion (DCC) service.

  • The CloverTM point of sale system

    The CloverTM point of sale system offers an alternative way of accepting payments, allowing you to spend less time on operations and administration, and more time on growing the business you love. Clover allows you to accept a broad range of payments, keep track of your business and get in depth customer insight.

    There are three devices to choose from:

    CloverTM Station

    A cloud ePOS system which works as hard for your business as you do. CloverTM Station is designed to make running a small business easier with built-in stock control, employee permissions and customer insights, you can even download apps from the dedicated Clover app marketplace.

    Clover Station

    CloverTM Mini

    You choose if it is a mini ePOS system or a 21st century card machine, CloverTM Mini takes up less space whilst still making it easier to run your business.

    Clover Mini

    CloverTM Flex

    A fully mobile card machine or an ePOS in your pocket, CloverTM Flex is designed to go wherever you do. It connects to Cardnet’s systems by WiFi or 3G so you can take payments on the move.

    Clover Flex

Card machine type


Additional payment types accepted


Ingenico iCT250 Card Reader

Ingenico iCT250

Card machine type



Dial-up and Ethernet


Additional payment types accepted 


Contactless, Apple Pay and Google Pay

Ingenico iWL252 Card Reader

Ingenico iWL252

Card machine type



Dial-up and Ethernet with Bluetooth connection

Additional payment types accepted 


Contactless, Apple Pay and Google Pay

CloverTM Flex Card Reader

CloverTM Flex

Card machine type




WiFi & 3G

Additional payment types accepted 


Contactless, Apple Pay and Google Pay

Accepting payments:

Accept card payments from your customers in person using the card payment technology that best suits your business.

  • Accept card payments over the counter with a standard countertop machine.
  • Move through your premises with a wireless bluetooth machine, ideal for table service.
  • Take payments on the go and at events with a mobile SIM handset—no broadband needed.
  • Access technical support when you need it.

How Dynamic Currency Conversion can help you:

  • Boost your profits with commission on every converted transaction.
  • Real time online management information reporting for all transactions.

Benefits to your international customers:

  • Your customers can rest assured knowing the exchange rate is fixed at the time of transaction.
  • Customers will get the comfort of paying in a familiar currency and knowing how much they’ve spent without needing to wait for a statement.

Ready to discuss it further?

Completing our online enquiry form takes about 10 minutes. Once we receive it, we’ll contact you to discuss your business needs in more detail.

Enquire online

Telephone us on 0808 159 6423

Call us to discuss how Cardnet® could help your business. We are available Monday to Friday, 9am to 5pm.

*Maestro cards can only be accepted over the internet if you are registered for Mastercard® Identity Check. For more information about Mastercard® Identity Check visit

** V PAY can only be accepted over the Internet if 1) permitted by the Issuer and 2) you are registered for Visa Secure.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Telephone: 020 7626 1500

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by Lloyds Bank for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances. Specific advice should always be sought in each instance.

Cardnet® is a registered trademark of Lloyds Bank plc.