£199 upfront*

No monthly fee

Take secure face to face and over-the-phone card payments without the need to pair your terminal to a smart device.


  • Connects via Wi-Fi or 4G
  • Receive funds typically in three working days
  • Average ten-hour battery life
  • Easy set-up with Lloyds Bank Cardnet’s payment app
  • 12-month warranty


Apply now

Lloyds Bank Cardnet® terminal

Only pay when you use it.

Fixed transaction fee of 1.75% applies for each payment you accept.2


Payments to suit your customers

Setting up your Cardnet Terminal is easy and means you’re ready to serve your customers from anywhere.

  • Comes with the Lloyds Bank Cardnet payments app pre-loaded on the device
  • Accept contactless, Chip & PIN, and digital wallets including Apple Pay, Google Pay, and Samsung Pay
  • Print receipts or send them digitally via SMS or email
  • Process refunds directly from the app

Payments to suit your business

Card and payment data is automatically secured and protected.

You can view historic and real-time transactions, as well as see daily summaries and view custom reports via the app.

We’ll also provide the required PCI DSS information when you apply, saving you time and keeping you compliant.

Getting started with Cardnet Terminal

1: Apply

Simply answer a few questions online or over the phone and share some business details. We’ll then send you documentation which we’ll ask you to electronically sign, finalizing your agreement with us.

2: Set up

Once you’ve returned your signed application, we’ll set up your account and request payment for your terminal to complete your application and account set up process.

3: Connect

Once you’ve received your device, simply turn it on and select the Lloyds Bank Cardnet App. Then follow our Getting Started Guide.

4: Learn

Track your sales and access statements via our free online reporting tools, providing live customer data to help you manage and develop your business.





Refunds are processed in the app and are PIN-protected for extra security.


Comes with a pre-installed SIM card. Can also connect to Wi-Fi or 4G on premises.

Set up

Ready in less than 30 minutes. See the Quick start guide on our Customer Hub.


Print receipts or send them digitally via email or SMS.

Payment methods

Accepts all major credit and debit cards as payment, plus Apple Pay, Google Pay and Samsung Pay.


Limited 12-month warranty. We aim to provide a replacement device within 3 working days if reader gets damaged or stops working.


Rechargeable via a micro-USB (cable included). 2 hours for a full charge and average battery life of 10 hours. Can accept payments while device is charging.


Dedicated UK-based team contactable via webchat, email at CardnetTerminal@lloydsbank.co.uk (response within 48 hours) or by phone (9am to 5pm Monday to Friday).

Frequently asked questions

  • The main difference is to do with your contract. Our Cardnet Terminal could be a great option for small business card payments as it has no minimum contract or monthly fee.

    Our other mobile card readers and our portable and countertop machines all come with a range of contract options, where you pay a monthly rental charge.

  • Our Cardnet Terminal provides businesses with a standalone solution for taking card payments, meaning there's no need to connect to another system or device to process payments. It can also process over-the-phone card payments and can print as well as provide digital receipts. Our mPOS solution works slightly differently, with the card reader needing to connect via Bluetooth to our Lloyds Bank Cardnet payments app running on a separate smart device. The mPOS solution only takes face-to-face card payments and provides only digital receipts.

    Choosing between them will depend on how you want to take card payments. If you’re a busy take-away business for example, needing to take over-the-phone payments and preferring to use a single device, the Cardnet Terminal may better meet your needs. However, if you always take in-person payments and are comfortable with running an app on a separate smart device, the mobile card reader may provide just what you need. The Cardnet Terminal may also be more suitable for businesses with multiple people needing to use the device, as it doesn’t require pairing to a smart device.

  • The terminal battery should last up to 10 hours before requiring a charge. It is possible to process transactions when the card reader is on charge.

  • A gratuity or tips functionality can be applied to your terminal. Should you wish to have this enabled, please email CardnetTerminal@lloydsbank.co.uk . Please note the 1.75% processing fee also applies to gratuities.

  • Your terminal is chargeable via a micro USB cable (one is included in your card reader box).

  • Your funds should arrive in your business bank account within three to five working days of the transaction.

Ready to apply?

Ready to apply?

Apply online, or by calling us on 0330 134 7976. Lines are open 9am to 5pm Monday to Friday.

Apply now

Other ways to accept payments

Mobile card reader illustration

Mobile card readers

Could be ideal if you need to sell away from your premises.

Mobile card readers
Terminal illustration

Portable card machines

A great option for taking payment in and around your premises.

Portable card machines
Countertop card machines illustration

Countertop card machines

The preferred option if you always serve your customers at the till.

Countertop card machines

Rates and charges

*£199 one-off joining fee for the service.

2Ongoing pay-as-you-go fee for card payments.
1.75% fee applies to all major credit and debit cards. American Express is also available and is optional. The per-transaction fee for Amex may differ from the 1.75%.

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