How to switch card machine provider
If you're here, you're probably paying more than you need to for card processing but the thought of switching feels like a headache. We get it. But honestly? It's nowhere near as painful as most people think. This guide walks you through the whole thing.
Last updated: April 2026
Step-by-step: switching your card machine
Check your current contract
Find out when your contract ends, what the notice period is, and whether there are any early termination fees. You'll usually find it in the original agreement or on your monthly statement.
Give notice to your current provider
Most providers require 30 to 90 days written notice. Send it by email and keep a copy. If you don't give notice, some contracts auto-renew.
Research your options
Compare transaction fees, monthly costs, contract length, settlement times, and whether you can buy the terminal outright. Ask about hidden fees like PCI non-compliance charges.
Order your new terminal
Set up your new provider while still within your notice period so there is no gap. Most providers can ship a terminal within a few days.
Test before you switch
Run a few test transactions on the new machine before fully switching over. Check that settlement times are as promised and funds arrive in your bank correctly.
Return old equipment
If you were renting, return the old terminal within the timeframe specified. Keep proof of return. Some providers charge for unreturned equipment.
What to compare when choosing a new provider
Here's a checklist of everything worth checking before you sign with a new card machine provider in the UK:
- ☑Contract end date and notice period
- ☑Early termination fees (if leaving before contract end)
- ☑Transaction fees: flat rate or interchange++?
- ☑Monthly terminal cost: rental or buy outright?
- ☑Contract length: rolling monthly or fixed term?
- ☑Settlement time: same day, next day, or 2-3 days?
- ☑PCI compliance requirements
- ☑Contactless and mobile payment support
- ☑Customer support availability (phone, chat, hours)
- ☑Integration with your EPOS or accounting software
Questions to ask your new provider
What is my all-in cost per transaction, including all fees?
Is the contract rolling monthly or fixed term?
How quickly do funds settle into my bank account?
Do you charge PCI non-compliance fees?
Can I buy the terminal outright instead of renting?
Will you help me leave my current provider (contract buyout)?
What happens if the terminal breaks?
Frequently asked questions
How long does it take to switch card machine provider?▼
The actual switch can happen in a few days. But you need to factor in your notice period (usually 30 to 90 days) and any contract end date. Plan ahead so you're not stuck paying two providers at once.
Will I have any downtime when switching?▼
If you plan it right, no. Order your new terminal while still in your notice period. Test it before cancelling the old one. That way there is zero gap in your ability to take payments.
What happens if I leave my contract early?▼
Some providers charge early termination fees. These can range from a flat fee to the remaining monthly charges on your contract. Check your agreement. Some new providers (like Dojo through CapExpand) will buy you out of your existing contract.
Do I need to update my PCI compliance?▼
Yes. When you switch provider, you'll need to complete PCI DSS compliance with your new provider. Most providers make this straightforward and include it in their onboarding process.
Can I keep the same card machine?▼
Usually not. Card machines are typically tied to a specific payment processor. When you switch provider, you'll get a new terminal from the new provider.
What should I look for in a new provider?▼
The main things to compare: transaction fees (flat rate vs interchange++), monthly rental or buy-out cost, contract length, settlement speed (next-day payouts are a real advantage), and whether customer support is responsive. Ask other businesses in your sector what they use.
Real customers. Real reviews.
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“They paid off the remaining 3 years of my contract, which made the switch very easy.”
“I've just moved my group of 12 companies over to Dojo. Rates were far better than previous provider.”
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