Take payments with Cardnet

Apply for our payment solutions

Tailored pricing, specific to your business

Tailored pricing, specific to your business

Track your finances and gain customer insight

Track your finances and gain customer insight

Specialist UK-based support team*

Specialist UK-based support team*

*Available 8am – 9pm Monday to Saturday

How do you want to take payments?

Illustration of a card reader

Card readers

For businesses that need to take payments face to face at the till, at a table or away from their premises.

Card readers
Illustration of a payment on a laptop


For businesses who rely on taking payments through their website or other digital channels, including pay by link.

Online payments
Illustration of over the phone payments

Over the phone

For businesses who need a secure way to take payments when a cardholder is not present.

Over-the-phone payments

Need a connected payment solution?

If your business accepts payments through multiple channels, our omnichannel payment gateway joins together transactions made online, in person or over the phone into one single solution, allowing you to manage everything from one place whilst giving your customers a connected experience.

Omnichannel solution

Online quotation tool: Fees and charges

Online quotation tool: Fees and charges

Find out how much it might cost to take card payments with Lloyds Bank Cardnet.

Get a quote
Click here to play our payment solutions video

Why choose Lloyds Bank Cardnet®?

Technology you can trust

The Lloyds Bank Cardnet payment system has up to 99% uptime*. So, you won’t leave your customers waiting.

Keep customer data safe

Secure data processing and fully PCI compliant payment devices.

Specialist support

Our specialist UK-based support team are available 8am – 9pm Monday to Saturday.

Support with switching fees

Support with switching fees

We can discuss helping with any exit fees if you’re already with another provider.

Enquire or apply

New to card payments

If you’re new to card payments, there’s a few things you’ll want to know, from understanding how they work, to what you might need before you start.

Learn about card payments

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Fast card payments, handed on a plate

Right now, good things are happening at The King's Head who are taking payments using our card machines.

Read the King’s Head’s story​
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Powering competitive advantage through payments

Find out how to adapt your payment strategy to stay ahead of the competition.

Read the full report

More ways Cardnet can support your business

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Merchant Cash Advance

Turn your future card sales into a cash advance from £1,000 to £500,000 that you only pay when your customers pay you.

Merchant Cash Advance
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PCI DSS compliance

Complying with the latest industry security standards will help safeguard your customers and your business against theft and fraud.

PCI DSS compliance
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Dynamic Currency Conversion

Give your business a global reach by offering international cardholders more options to pay in currencies they recognise.

Dynamic Currency Conversion

Frequently asked questions

  • You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use Cardnet. We assess each business individually to ensure you receive the right product and service, whether you’re a small but established business, a large corporation or just starting out.

  • No two businesses are the same. We therefore work with you to ensure you get the right service to suit your budget. The cost for secure payment services varies across product and transactional fees that apply to each payment received. It will depend on factors such as your card turnover, how you want to take payments and the product options you select. You will see a breakdown of your rates and charges before you sign up, so you fully understand what you’re agreeing to before you start.

  • A point of sale (POS) is quite literally a location or system where a customer exchanges money for goods and services. A point-of-sale system allows a business to accept and process secure payments from customers and keep track of sales. A modern POS system is usually either digital, where a transaction may occur virtually online or over the phone, or a form of card terminal that’s either fixed or portable, or a combination of the two.

    A POS system should allow your business to:

    • Calculate the total amount owed for any given sale
    • Accept payment by cash, card or virtually 
    • Issue an electronic or printed  receipt
    • Record the details of the transaction

    Today’s POS systems have additional features such as the ability to manage inventory, create reports that detail trend and customer habits, as well as connect to other supporting software to help bring multiple customer transaction outlets into one system.

  • Our product range accept all major credit and debit cards as well as digital wallets as payment, including Mastercard, VISA, American Express, Discover Global Network and Diners Club International, Apple Pay, Google Pay and Samsung Pay.

  • Payment Card Industry Data Security Standards (PCI DSS) is a set of industry standards designed to ensure merchants store and process cardholder data securely. Any business that deals with payment processing is required to meet these standards and keep financial data secure as well as cardholders protected from fraud.

    Find out more about PCI DSS

  • From 14th March 2022 a greater level of authentication was introduced for online payments. Here are some useful documents we’ve developed to remind you of the process.

Cardnet® is a registered trademark of Lloyds Bank plc.

©2024 The Clover trademark and logo are owned by Clover Network, Inc. a Fiserv, Inc. company. All Rights Reserved. All trademarks, service marks, and trade names referenced in this material are the property of their respective owners.

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk