Take payments with Cardnet
From small independents to large corporations, we have a payment solution to suit every business need.
Apply now Apply for our payment solutions1Available 8am – 9pm Monday to Saturday
How do you want to take payments?
Card readers
For businesses that need to take payments face to face at the till, at a table or away from their premises.
Online
For businesses who rely on taking payments through their website or other digital channels, including pay by link.
Over the phone
For businesses who need a secure way to take payments when a cardholder is not present.
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.
Why choose Lloyds Bank Cardnet®?
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.
More ways Cardnet can support your business
Merchant Cash Advance
Turn your future card sales into a cash advance from £2,500 to £300,000 that you only pay back when your customers pay you.
PCI DSS compliance
Complying with the latest industry security standards will help safeguard your customers and your business against theft and fraud.
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.
- Calculate the total amount owed for any given sale
-
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.
-
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.
©2023 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.