Accepting credit card payments offers several advantages for small businesses like increased sales revenue, improved customer experience and the ability to accept payments remotely or online. Additionally, accepting credit cards can help businesses build their reputation and credibility by offering a payment method that customers have come to expect.
Set up your terminal to suit your business
Whether you need a simple card reader to take payments or a smart card machine that lets you manage pricing, view sales reports and tailor orders on the go, you’re in the right place.
Ready for faster,
reliable card payments?
Simple setup, easy to use
Customer support 7 days a week
Next-day settlement
Fast, reliable card payments
Simple setup, easy to use
Customer support 7 days a week
Next-day settlement
Contactless payment options customers will love
Tap to pay
No need to insert or swipe cards. Customers can make touch-free payments with a single tap to your point of sale or card reader.
Digital wallet
Patrons wanting to pay with their digital wallets? Whether they use Google Pay® or Apple Pay®, mobile phone or smart watch, we got you.
Pay by link
Generate an invoice and send a secure payment link via text, QR code or email straight to your customers' phones.
Why choose Global Payments?
Simple to set up, easy to use
You’re busy, we get it. That’s why our smart card machines are quick to set up and a breeze to use.
Your money on your schedule
Don’t wait around for your money. With next-day settlement, you can get paid the very next working day.
Customer service you can count on
Thousands of customers have given us 5 star reviews# — why not join them? Our team is available 7 days a week, whenever you need a hand.
It only takes a few simple steps for small businesses to start accepting credit card payments. You’ll just need the following information:
- Your industry category – make sure that you’re not considered a “high risk merchant”
- Whether you plan to sell via in-person transactions, online or both
- Number of locations
- How you accept transactions: on a terminal or card reader, or through your website or your own software
- Types of payments you’d like to accept: ACH, Google Pay™, Apple Pay®, gift cards, debt, etc.
- How quickly you would like to receive your funds
- Estimated annual volume – it’s ok if you’re not sure if you’ll be a low-volume or high-volume business, just a ballpark estimation is needed
- Estimation of card present, in-person transactions
- Estimation of card not present transactions made over the phone or through your online store
When choosing a credit card processor, small businesses should consider factors like the processor's reputation and reliability, the range of payment methods supported, the system's ease of use and the level of customer support provided. It's also important to ensure that the processor is compatible with the business' point of sale system, offers transparent pricing and meets all necessary security and compliance requirements.
Beyond credit cards, customers expect small businesses to provide a convenient checkout experience that allows buyers to use their choice of payment method. Heartland helps you accept all the ways your customers want to pay, including credit cards, debit cards, gift cards, mobile wallets, QR codes, ACH, checks and eChecks, online payments and more. With fast, flexible processing that supports the broadest range of payment types, you’ll boost sales and satisfy customers — whether you’re in store, online or on the go.
The time it takes for a small business to receive funds from credit card transactions can vary depending on the processor and the type of transaction. Generally, businesses can expect to receive funds within 1-3 business days for most credit card transactions. However, some processors may offer faster or even instant deposits, and some additional fees may be associated with expedited payment processing.
Credit card processing is generally priced per transaction and can scale with your business needs as transaction volumes grow. Discussing the pricing structure and processing rates with your payments partner is important to ensure you fully understand the costs. In addition to a setup fee or early termination fee, other common fees you may see on a statement are:
- Merchant service fees: these pay for the ability to access the authorization network
- Interchange fees: charged by the credit card brands and card issuers
- Transaction fees: the amount you pay per transaction
- Discount fees: a charge payment processing companies use for passthrough payment processing services to debit and credit card companies
- PCI compliance fees: payment processors use these charges to cover the costs of security
Got a question?
From cafés to car garages and everything in between
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Hairdresser
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Café
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Car garage
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Takeaway
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Clothes shop
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Pub
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Restaurant
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Newsagent
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Bar
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Bakery
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Hotel
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Gym
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Beauty salon
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Gift shop
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Homeware store
It fits in your pocket and packs a lot of power
Manage your business on the go
Add products, track employee performance and accept card and cash payments, all from the palm of your hand.
See all payments and performance
With live reporting on your card machine and deep-dive reporting on the portal, you can see everything, including products, pricing and payments.
Make checkout fast and easy
Reduce user errors and keep queues at bay with an intuitive, touchscreen Android® device that lets you tailor orders and add gratuities.
Terms and conditions apply.
This service is available to Global Payments customers who are accepted for acquiring services and is subject to the approval and terms & conditions. Your card machine’s banking window function must be performed before the set time in order to receive settlement the next banking day. Transactions processed via Ecommerce pay pages, pay by link and virtual terminals may be subject to different settlement timescales.
*Lines are open from 9am to 5pm, Monday to Friday, except public holidays. If you have a speech or hearing impairment, you can call us using the Relay Service by dialling 18001 followed by 0800 0612535. Calls may be recorded. To help us continually improve on our service and in the interests of security, we may monitor and/or record your telephone calls with us. Any recordings remain our sole property.
Global Payments is a trading name of GPUK LLP. GPUK LLP is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (504290) for the provision of payment services and under the Consumer Credit Act (714439) for the undertaking of terminal rental agreements. GPUK LLP is a limited liability partnership registered in England with company number OC337146. Registered Office: Granite House, Granite Way, Syston, Leicester, LE7 1PL. The members are Global Payments U.K. Limited and Global Payments U.K. 2 Limited. Service of any documents relating to the business will be effective if served at the Registered Office.
Global Payments is also a trading name of Pay and Shop Limited. Pay and Shop Limited is a limited company registered in Ireland with company number 324929. Registered Office: The Observatory, 7-11 Sir John Rogerson's Quay, Dublin 2, Ireland. Service of any documents relating to the business will be effective if served at the Registered Office.
2026 GPUK LLP. All rights reserved.
