When you’re self-employed and working face-to-face with customers – maybe at markets, in their homes, or anywhere out and about – making it easy for them to pay you is a big win.
One of the most flexible tools you can use is a mobile card reader, also known as an mPOS device.
These little machines are getting more popular with sole traders because they’re easy to set up, quick to use, and don’t need you to sign up for anything complicated. This guide breaks down how they work, when it makes sense to use one, what they cost, and what to watch out for.
What is a card reader?
A mobile card reader is a small device that connects to your phone via Bluetooth. It pairs with an app, usually from the same company, and lets you accept card payments wherever you are.
Most also take contactless and mobile wallet payments like Apple Pay or Google Pay.
Unlike old-school card terminals, you don’t need a merchant account or long contract. You buy the reader, install the app, and you’re good to go. The fees are usually just a cut from each payment you take.
Do you need one as a sole trader?
If all your clients pay by bank transfer after receiving an invoice, then probably not. But if you’re in a business where you’re physically in front of customers and want to take payment on the spot, it’s worth a look.
Popular examples include:
- Tradespeople (plumbers, gardeners, electricians)
- Market stallholders
- Mobile hairdressers or therapists
- Street food vendors
- Freelancers selling at fairs or pop-ups
Customers expect to be able to tap and pay. And from your side, it’s better than chasing an unpaid invoice later.
Popular options in the UK
Here are some of the most-used card readers for small businesses and sole traders:
- SumUp – simple, affordable, and charges 1.69% per transaction. Devices start from around £29.
- Zettle by PayPal – a good choice for market-style setups, with a flat 1.75% fee.
- Square – strong app features, free POS tools, and a 1.75% fee.
- Revolut Reader – fast-growing option, especially if you already bank with them. Fees range from 0.8% to 1.6% depending on your plan.
All of these work without monthly contracts. You just pay for the device and a fee per payment.
How does the money reach your bank?
When someone pays you through the card reader, the money lands in your provider’s app wallet first. From there, it’s sent to your linked bank account, normally within one or two working days.
You can use a personal account, but it’s cleaner and easier to track everything if you connect a business bank account.
What setup do you need?
No merchant account, no paperwork headaches. You usually just provide ID, confirm your business details, and pass a basic verification process. Some ask for your UTR or self-employment status to tick the regulatory boxes.
What does it cost?
Most providers keep it simple. Expect to pay:
- £20–£50 up front for the reader itself
- 1.5%–2% per transaction — this is deducted automatically
There are no monthly fees unless you opt into their premium plans. Some offer next-day payouts or extra features for a small extra charge.
Is it secure?
Yes — the main providers use end-to-end encryption and follow PCI-DSS compliance rules. The app doesn’t store any card details, and customers can see the payment on their bank statements right away.
For more on card payment security and contactless safety:
- UK Finance – Contactless Payments overview — explains contactless limits, fraud prevention and tech basics.
- Which? – Are contactless cards safe? — covers security, limits, PIN prompts and fraud stats.
- GOV.UK – Invoicing and taking payment from customers — includes guidance on secure payment practices and what must be on an invoice.
- PCI Security Standards Council – Merchant Resources — outlines global security standards for card data safety.
Pros and cons of using a card reader
| Pros | Cons |
|---|---|
| Fast to set up, easy to use | Each payment costs a % fee |
| Great for in-person payments | Needs your phone and signal |
| No monthly cost or contract | Can’t be used offline |
| Looks more professional than asking for cash | Another app and account to manage |
What else can you use?
If a card reader doesn’t suit your setup, you can still take payment through:
- Bank transfers (make sure your invoices are clear)
- Online payment links (some card apps offer these)
- Direct debit platforms like GoCardless for repeat clients
And if you’re still managing everything from one account, it’s worth reading our guide to bookkeeping for small business owners.
Final thoughts
A card reader isn’t essential for every sole trader. But if you take face-to-face payments — and want to look more professional, get paid faster, and avoid chasing invoices — it can be one of the easiest tools to add to your kit.
Just keep an eye on the transaction fees and remember to declare all income, however it comes in.