UK Software
Best Credit Card Processing for UK Businesses 2026
Accept card payments in-person and online with FCA-regulated processors. Flat-rate pricing, next-day settlements, and PCI-compliant hardware for UK businesses.
S
1. Square
1.75% per transaction (in-person)
(4.6/5)
1240 reviews
All-in-one payment processing platform popular with UK retail, hospitality, and service businesses. Square offers card readers, POS terminals, online payment links, and invoicing with flat-rate pricing and no monthly fees. Funds settle next business day to any UK bank account. FCA-regulated with PCI DSS Level 1 compliance.
Key Features
Flat-rate pricing with no monthly fees
Card readers and POS terminals from £19
Online payments, invoices, and payment links
Next business day settlement to UK banks
FCA-regulated and PCI DSS Level 1 compliant
Free Square Dashboard for sales analytics
Best for: UK small businesses, market traders, and hospitality venues wanting simple, transparent card processing
Visit Square Square UK Pricing Breakdown
| Transaction Type | Rate |
|---|---|
| In-person (chip & contactless) | 1.75% |
| Online payments | 2.5% |
| Invoices | 2.5% |
| Payment links | 2.5% |
| Manually keyed transactions | 2.5% |
| Monthly fee | £0 |