The method by which passengers pay for rides has been transformed. Most people today would rather just tap a card or phone than fumble through their wallet for cash. If you run a taxi business on cash only, you’re probably already missing fares without even noticing. Choosing the best card machine for taxi drivers is now not just a luxury but an essential way to stay competitive.
As an independent private hire driver, black taxi operator in London, or fleet manager, you want the best card machine to make every shift easier and every fare more certain. But with so many financial products available, all of which offer different fees, contracts, and features, figuring out which one is right for you can be overwhelming.
This guide compares the 8 best card machines for UK taxi drivers, analysing pricing, transaction fees, speed of payout, portability, and TfL compliance. You’ll come away knowing exactly how to pick the solution that fits your cab and your wallet.
What Are Card Machines For Taxi Drivers?
A card machine for taxi drivers is a mobile payment terminal, enabling passengers to use debit cards, credit cards, or digital wallets like ApplePay or GooglePay to pay their fares.
Unlike card terminals fixed to the counter of a shop, taxi machines are designed for use on the go, processing payments through 4G mobile networks or integrated SIM cards and even in areas with poor WiFi.
UK drivers use two main types of card machines as outlined below:
- Mobile Card Readers: Small gadgets that attach to a smartphone app with Bluetooth.
- Standalone Card Terminals: Self-contained devices with their SIM card and display, which don’t rely on a separate phone.
There are some additional requirements for London-licensed taxis and black cabs, including the need for a fixed terminal approved by TfL in the passenger compartment that is capable of printing receipts. We’ve talked about those requirements later in this guide.
Want to find the best card machine for your business? Then see our guide: Best Card Machine Providers UK
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8 Best Card Machines For Taxi Drivers In The UK: A Quick Glance
Here is a quick overview of the top 8 best card machines for taxi drivers in the UK:
| Card Machine Provider | Hardware Cost | Transaction Cost | Monthly Fee | TfL Approved | Best For |
|---|---|---|---|---|---|
|
Lopay |
£24 |
From 0.7% |
£0 |
No |
Low fees |
|
SumUp |
£79 |
1.69% |
£0 |
No |
Contract-ease |
|
Revolut Reader |
£49 |
1.5% |
£0 |
No |
International routes |
|
myPOS Go 2 |
£29 + £6 |
1.1% + 7p |
£0 |
Available on request |
High-volume fleets |
|
Takepayments |
£20/month rental |
From 0.3% |
Yes |
Available on request |
High-volume fleets |
|
Viva Wallet |
Call the sales team for a quote |
Quote needed |
£0 |
Yes |
Black cabs and offline payments |
|
CabCard Pocket 4G |
£99 + VAT |
1.5% to 2.5% + 10p |
£0 |
Yes |
London licensed taxis |
|
Zettle Readers |
£29 |
1.75% |
£0 |
No |
Tourist-heavy routes |
Learn more about the cost of card machines from our guide: How Much Does Card Machine Cost? Rates & Fees Explained (2026 Guide)
Now let’s take a deeper look at the details of each of the above card machine providers:
1. Lopay
Overview:
Lopay is a UK-based payment provider that has earned a solid reputation among the self-employed drivers in no time. The company says it has saved taxi drivers more than £2 million in fees, and if you look at the pricing, it is easy to understand why.
Starting at just 0.79% per transaction, Lopay is one of the lowest-cost solutions for drivers who want to retain more money from any given fare.
The platform is designed for simplicity. Drivers sign up for the Lopay app, order a low-cost card reader, and can accept payments almost immediately. No monthly fees, no contracts; and no minimum transaction volumes.
Key Features:
- Card Reader (WisePad 3): Small, quick, chip-and-PIN, contactless-compliant payments.
- Tap to Pay: Make your smartphone a card reader; no hardware required.
- Smart Tipping: Encourages passengers to tip automatically, thus increasing driver revenue.
- Instant Payouts Supported (Instant to Bank Plan): Get funds in real time, including Sundays and bank holidays.
- Expense and Rewards Card: Use it for business to further reduce your transaction fees.
- Dashboard View: Have all of your trips and transactions in one clean interface.
- Cash Logging: Write down cash fares in the app to consolidate all your income.
- PCI-compliant and secure: Hosted on Stripe.
Best For:
Drivers outside of London working full-time or part-time who need to reduce fees and increase take-home pay on every single fare.
Pros and Cons:
| Pros | Cons |
|---|---|
|
Best-in-class transaction rates start at 0.79% |
Not approved by TfL, it's unsuitable for London-licensed taxis needing a fixed terminal |
|
No monthly fees, no lock-in contracts |
The express payout solution (1.79%) is pricier per transaction than standard rates |
|
A 7-day-a-week instant payout option |
Tap to Pay incurs an 8p flat fee on top of the standard rate per transaction |
|
Smart tips provide a meaningful boost to driver earnings |
|
|
Award-winning technology: UK Business Tech Awards, Fintech Innovator of the Year |
|
Pricing:
- Hardware: £24 upfront
- Required Plan: 0.79% on a per-transaction basis, weekly payouts (on Thursdays).
- Standard Plan: 0.99% of each transaction, next-day payouts.
- Instant to Bank plan: 1.79% per transaction, with instant payouts, including on weekends.
- Tap to Pay: Trans fee plus 8p flat.
- Zero monthly fees, zero minimum term.
2. SumUp
Overview:
SumUp is arguably one of the most recognisable names in small business payments across the UK, and there is a very good reason for its popularity. The platform offers a simple, no-frills experience: you buy a card reader, pay a flat-rate transaction fee, and you’re done. No contracts, no monthly fees; and no hidden charges. It’s best for taxi drivers looking for a bank-friendly and fuss-free option.
The SumUp Solo is especially well-paired with taxis. A standalone terminal with a SIM built-in touchscreen that does not need a smartphone and can be used inside of a vehicle. Team it with SumUp’s business account, and you can get your earnings by the next day, even on weekends and bank holidays.
Key Features:
- SumUp Air: An inexpensive card reader that connects to a phone app via Bluetooth.
- SumUp Solo: Standalone terminal with touchscreen and built-in SIM (4G + WiFi).
- SumUp Solo + Printer bundle: Prints out paper receipts on the spot; no other printer required.
- Tap to Pay: Accept contactless payments straight from your phone.
- Supports global transaction cards: Great for airport transfers and travel routes.
- The set transaction rate remains constant on foreign and premium cards (in contrast to many competitors).
- Next-day payouts with a free SumUp Business Account.
- The tip feature and digital receipts are sent via SMS or email.
Best For:
It is ideal for private hire drivers and taxi drivers not operating in London who seek a convenient, trusted solution with solid card acceptance and an independently operating terminal.
Pros and Cons:
| Pros | Cons |
|---|---|
|
No contract, no monthly fee |
Unapproved by TfL and unsuitable for a London-licensed taxi |
|
SumUp Solo is fully standalone; no smartphone is required |
SumUp Air needs a smartphone |
|
All cards are charged a flat 1.69% for international transactions, which is very competitive |
The Payments Plus plan (0.99%) refers only to domestic consumer cards; international cards will still incur 1.99% |
|
Next-day payouts are available with the SumUp Business Account |
|
|
It offers excellent customer support |
|
|
Proven Dependability: Trusted by hundreds of thousands of UK small businesses |
|
Pricing:
- SumUp Air: £22.50 + VAT.
- SumUp Solo: £79 + VAT.
- SumUp Solo + Printer: £98 + VAT.
- Standard Rate: 1.69% per transaction.
- Payments Plus Plan: £19/month, 0.99% on domestic consumer cards (international/commercial: 1.99%).
- The standard pay-as-you-go plan has no monthly fees.
3. Revolut Reader
Overview:
The Revolut Reader is a small, app-dependent card reader from UK fintech giant Revolut. The multi-currency account capability of Revolut makes it a truly useful choice for taxi and private hire drivers, such as airport transfer operators, who frequently drive international passengers.
Revolut allows you to hold and manage balances in several currencies, eliminating the need to pay foreign exchange fees every time you swipe your card.
In parallel, drivers can also connect their Revolut Pro account directly with the platform, which can ease some work for those who are deep in that ecosystem.
Key Features:
- Availability of PIN entry via a basic touchscreen on a small, light card reader.
- 1.5% flat fee on all Visa and Mastercard transactions, regardless of what card they are.
- Multi-currency accounts let you avoid exchange fees on international card payments by holding multiple currencies.
- Integration of the Freenow app for qualifying drivers.
- A complementary Revolut Pro account with no individual driver monthly fee.
- It offers Visa, Mastercard, and contactless payments.
Best For:
Individual taxi drivers and airport transfer operators who often deal with foreign guests and want to avoid exchange commission.
Pros and Cons:
| Pros | Cons |
|---|---|
|
1.5% flat rate regardless of card origin, good on international passenger-heavy routes |
Not approved by TfL and is not suitable for London-licensed taxis |
|
No monthly fee for Revolut Pro users |
It does not print receipts; customers only receive emailed receipts |
|
Multi-currency accounts are very beneficial for drivers working near airports and tourist areas |
Business accounts must be verified periodically |
|
The Freenow app integration adds operational convenience |
Card reader hardware isn’t as durable as some competitors |
|
No lock-in contract |
Customer support has received poor reviews in terms of speed in resolving issues |
Pricing:
- Hardware: £49 + VAT.
- Transaction Fee: 1.5% only with a free Revolut Pro account.
- Revolut Pro with zero monthly fees.
- Business Account: Monthly Fee (extra verification needed for registered businesses).
- No lock-in contract.
4. MyPOS Go 2
Overview:
MyPOS Go 2 is the cheapest independent card machine on this list and one of the most distinctive. When a passenger pays with their card, the money arrives directly in your myPOS e-money account in realtime. Accessing their earnings in real time can make a tangible difference for drivers who need to stop for refuelling, grab food, or pay bills between shifts.
It includes a Visa business card attached to your myPOS account, so you can spend whatever you earn instantly, right at the petrol station or at any other store that accepts Visa.
The terminal itself features a built-in SIM card with unlimited data, operating over 4G and WiFi and even working across the EU and EEA without further set-up, helping drivers who cross the Northern Ireland border or drive on international routes.
Key Features:
- Immediate payout to myPOS e-money account, instant credit after each trip.
- Linked Visa business card: instantly access earnings, no delays in accessing money.
- Integrated SIM card with limitless free data works on 4G and WiFi.
- Works in the EU and EEA without the need for supplementary treaties.
- No monthly fees, no lock-in contract.
- It receives a large collection of cards, including Visa, Mastercard, Amex, UnionPay, JCB, Apple Pay, Google Pay, and Samsung Pay.
- 24/7 support for UK customers.
Best For:
Self-employed drivers outside London who prefer instant access to their money and spend earnings directly from the road.
Pros and Cons:
| Pros | Cons |
|---|---|
|
Efficient fund access, unparalleled for liquidity between shifts |
Not approved by TfL |
|
The entry price is really reasonable at just £29 + VAT |
There is a £1.50 charge for each transfer to a bank account |
|
24/7 UK customer support |
More involved than competitors, document submission and an identity verification video calls are required for sign-up |
|
Operating across the EU/EEA network is great for drivers in Northern Ireland or those on cross-border routes |
Non-UK/EEA cards: 2.85% + 7p |
|
No contracts and no monthly fees |
|
Pricing:
- myPOS Go 2: £29 + VAT + delivery fee of £6.
- myPOS Pro: £229 + VAT.
- UK/EEA Visa or Mastercard: 1.1% + 7p/transfer.
- American Express: 2.45% + 7p.
- All other cards: 2.85% + 7p.
- Bank account pay-out: £1.50/transfer.
- No monthly fees.
5. TakePayments
Overview:
TakePayments is another UK merchant services provider but works slightly differently from the pay-as-you-go options listed above. Instead of selling a device outright, Takepayments rents its card machines on an 18-month contract and charges you a monthly fee in return for low transaction rates.
The best-selling terminal is the PAX A920 Pro, a premium Android touchscreen machine with an integrated receipt printer and 4G SIM card. It works totally independently, doesn’t require a smartphone and is ideal for drivers doing many rides where lower per-transaction rates begin to add up in terms of actual savings.
Key Features:
- The PAX A920 Pro comes with an Android touchscreen terminal with an integrated receipt terminal.
- The embedded SIM with 4G capability operates additively and does not require a smartphone.
- Customised transaction rates are determined by turnover, transaction size, and card type.
- Rate as low as 0.3% + flat fee for domestic consumer cards.
- UK customer support.
- Reporting and business management tools.
Best For:
Established taxi fleets and high-volume private hire where lower negotiated transaction rates make a monthly rental viable.
Pros and Cons:
| Pros | Cons |
|---|---|
|
Arguably the lowest transaction fees are on this list, starting at 0.3% |
18-month contract; if you terminate early, you will have to pay an early exit fee |
|
Integrated receipt printer, eliminating the need for separate hardware |
A minimum monthly fee applies; if you fail to achieve a sales threshold, you’ll pay a shortfall charge from £10 + VAT |
|
Rates based on actual transaction volumes are tailored pricing |
Currently not TfL-approved |
|
Reliable, professional-grade hardware |
Separate contract with Amex for American Express acceptance |
|
The PAX A920 Pro can be approved by TfL |
The monthly rental fee makes it expensive for part-timers or seasonal drivers |
Pricing:
- Rental: Around £20 to £25 + VAT/month.
- Transaction Fees: From 0.3% + flat authorisation fee (rate depends on type of card and volume).
- Contract Length: 18 months.
- Monthly Minimum Charge: £10 + VAT if sales are below the threshold.
- No setup costs, but for early termination you will have to pay an exit fee.
6. Viva Wallet
Overview:
There is no better solution for taxi drivers in London than Viva Wallet. The Black Cab Solution is an all-in-one kit, including a Datecs BluePad 55 card reader, passenger compartment holder and network receipt printer, designed to deliver compliance with Transport for London in a single solution.
What makes Viva Wallet different from the other TfL-approved providers and a genuinely useful feature for drivers who roam outside city centres is its ability to accept offline card payments. The card reader stores the transaction data and completes it once it establishes a live internet connection through its SIM card.
Key Features:
- Its Datecs BluePad 55 card reader is approved by TfL for use in London-licensed taxis and black cabs.
- The full cab kit comes with a card reader, a passenger compartment holder, and a wireless receipt printer.
- Offline mode lets you accept card transactions anywhere with no network signal.
- Bluetooth-enabled, it allows you to connect to the Viva Wallet app on your smartphone.
- Flexible pricing: pay up front for the device or take out a monthly subscription, which can be cancelled any time.
- A complimentary Viva Debit Card through which you can earn back transaction fees on business expenses.
- It accepts numerous cards, such as Visa, Mastercard, Amex, Discover, UnionPay, JCB, and contactless payments through Apple Pay, Google Pay, and Samsung Pay.
- Next-day settlement into the Viva Wallet business account.
Best For:
London-licensed taxi drivers, black-cab operators who require a TfL-compliant setup, and drivers that work in rural areas or locations with poor network coverage.
Pros and Cons:
| Pros | Cons |
|---|---|
|
TfL-approved, so it meets all requirements for London-licensed taxis |
Pricing can require a direct quote from Viva Wallet; it is less transparent than the fixed-rate competition |
|
Offline payment capability; a unique feature for rural or low-signal routes |
Offline transactions have some small risk of not completing if the card processor detects a problem when getting online again |
|
Rent without a long-term contract |
You need a smartphone to operate the Viva Wallet app with the terminal |
|
Potential to recover transaction costs through the Viva Debit Card |
If transferring to an external bank account, it will take another 1 to 2 working days for settlement |
|
International card scheme acceptance |
|
Pricing:
- Hardware: One-time purchase or monthly subscription (pricing requires a quote).
- Transaction Rates: To get a quote, you need to contact Viva Wallet directly.
- No long-term contract: Monthly plans can be cancelled at any time.
- Set-Up Fee: None (Pricing varies highly depending on the agreement).
7. CabCard Pocket 4G
Overview:
Of all the providers on this list, CabCard Services is the only one tailored specifically for taxi services. More than 10,000 UK taxi drivers have signed up for CabCard because of its straightforward, clear pricing and dedicated, round-the-clock support from a team that understands the specific requirements of cab drivers.
TfL-approved, the Pocket 4G Terminal is one of only a limited number of solutions that London-licensed taxi and black cab drivers are permitted to use legally. Even for drivers outside London, the low rates, no monthly fees, and 24/7 support make it a compelling choice.
Key Features:
- Approved by TfL for London licensed taxis.
- The built-in SIM card includes 4G connectivity and unlimited data.
- Working entirely offline lets you work without the need for a smartphone or WiFi.
- Ability to tip a server directly on the card reader.
- Settlement to a bank account or onto a prepaid CabCard Visa card happens daily or weekly.
- There is no monthly fee.
- 24/7 dedicated support through phone, email and web chat.
- Fleet management tools such as a real-time backend dashboard to view driver performance and sales.
- Provides special fleet rates for taxi companies as low as 1% or less.
Best For:
London Black Cabbies and licensed taxi operators throughout the UK who are looking for a purpose-built, TfL-compliant solution with specialist support and transparency in pricing.
Pros and Cons:
| Pros | Cons |
|---|---|
|
TfL approved |
1.5% to 2.5% + 10p rates higher than its competitors |
|
Designed specifically for the taxi industry |
The 10p fixed authorisation fee increases the costs of short journeys |
|
Dedicated support 24 hours a day from taxi experts |
International cards such as UnionPay and JCB are not accepted |
|
Individual drivers pay no monthly fees |
|
|
Fleet pricing can be extremely low for high-volume operators |
|
|
The Prepaid CabCard Visa allows for instant use |
|
Pricing:
- Hardware: £99 + VAT/driver.
- Personal Visa/Mastercard Debit Cards (UK/EEA): 1.5% + 10p each time.
- Business Visa/Mastercard Credit Cards (UK/EEA): 2.5% + 10p.
- No monthly fees for individual drivers.
- Fleet Pricing: Customised discounts could be 1% or less.
8. Zettle Readers
Overview:
Zettle by PayPal is a top name in UK mobile payments. It’s not taxi-specific, but it is a reliable, straightforward option for private hires and out-of-London drivers who want a name they can trust, an easy flat-rate pricing system, and the widest all-round card acceptance of any provider on this list.
The Zettle Reader 2 is compact and connects via Bluetooth to the Zettle Go app on your phone. The transaction rate is fixed at 1.75% for every card accepted, which can be especially beneficial to drivers who frequently transport overseas visitors in tourist-heavy areas.
Key Features:
- It is a compact, ergonomic Bluetooth card reader.
- Takes the widest array of cards on this list, such as Visa, Mastercard, Maestro, Amex, JCB, UnionPay, Diners Club and Discover.
- It also accepts contactless payments, such as Apple Pay, Google Pay, and Samsung Pay.
- 1.75% fixed rate on all accepted cards.
- Zettle Go app: simple POS with tipping, transaction history and digital receipt sending.
- Payments reroute directly into your bank account in 1 to 2 working days.
- Bluetooth receipt printer compatible.
- No contracts and no monthly fees.
- Powered by PayPal, which establishes brand trust and an extensive financial ecosystem.
Best For:
Private hire drivers outside London who work within tourist-heavy cities and regularly deal with foreign customers.
Pros and Cons:
| Pros | Cons |
|---|---|
|
Broadest acceptance of cards as compared to competitors |
Not TfL approved |
|
Transparent flat-rate pricing with no surprises |
1.75% transaction rate is more than Lopay and Revolut for standard domestic card transactions |
|
No contract and no monthly fees |
It needs a smartphone and cannot be used on its own |
|
There are no additional costs for direct bank account payouts within 1 to 2 days |
Customer support is only available on weekdays |
|
There is a tipping feature in the app |
|
Pricing:
- Zettle Reader: £29 + VAT (additional readers: £69 + VAT).
- Transaction Fee: 1.75% flat, no exceptions for all cards accepted.
- No monthly fee and no lock-in contract.
- Bank account payouts: 1 to 2 working days, payout fee waived.
The TFL Requirement: What UK Taxi Drivers Must Know About It?
The card payment rules are not optional if you drive a licensed London taxi or black cab. Transport for London (TfL) requires all licensed taxi drivers to accept card payments, and when they do, they must use approved equipment installed in a specific manner.
If you don’t comply, your vehicle could be issued an unfit notice, and in serious incidents, your licence could be at risk. Here’s what you need to know:
5 Requirements for card payment by TfL:
- A taxi passenger compartment must feature a TfL-approved card payment terminal.
- The terminal has to be fixed; drivers can’t use a handheld device or ask passengers to tap on a mobile card reader held by the driver.
- The terminal can provide a printed receipt when requested by the passenger.
- The taxi shall have signage that it handles contactless and card payments.
- Fares cannot be subject to surcharges for card payments.
Advantages Of Choosing The Best Card Machine For Taxi Drivers
The right card payment solution for your taxi not only helps you stay on the right side of regulations, but it can also impact what you earn, how satisfied your passengers are, and how smoothly everything runs.
This is why the best card machine for taxi drivers matters. Here are some of the key advantages of using the best card machine for taxi drivers:
1. Capture More Fares: If you can’t take a card, no-cash passengers mean lost fares. By accepting cards, you never have to refuse a paying customer.
2. Bigger Tip: Studies consistently show that customers tip more often when they pay with a card. For instance, solutions like Lopay and CabCard come with tipping prompts that help software actively encourage the passenger to add a tip.
3. Quick Transactions: Contactless payments are done in seconds. No waiting for exact change, no haggling over notes, just tap-and-go and keep your turnaround quick and tight.
4. Cleaner Cash Flow: From instant (myPOS, Lopay Instant) to next-morning payouts (SumUp, Lopay Standard), you call the shots on when money shows up in your account.
5. Minimised Cash-Handling Risk: Less cash in the cab is equal to less risk. Card payments leave a digital trail and keep your payments safe.
6. Polished Look: A clean, modern payment experience, especially if you offer digital receipts or printed ones, denotes a professional service for drivers in the eyes of passengers, taking your game to another level when it comes to corporate accounts.
How To Find The Best Card Machine For Taxi Drivers: A Checklist
Use this checklist to decide which card machine is right for your cab:
1. Do you drive in London? If so, you need to select a TfL-approved solution. According to this guide, CabCard and Viva Wallet are your only options.
2. Are you an individual cab driver, or do you run a cab business? Pay-as-you-go, no-contract options (Lopay, SumUp, and myPOS) offer a better experience for individual drivers. In terms of volume pricing, fleet operators can look at CabCard or Takepayments.
3. How critical is payout speed? For immediate access to funds, myPOS and Lopay’s Instant to Bank plan are the best options.
4. Are you serving large international passengers? International card acceptance is most flexible with Revolut and Zettle. The flat rate from SumUp also doesn’t penalise customers with foreign cards.
5. Do you want to avoid monthly fees and long contracts? Lopay, SumUp, MyPOS Go 2, Revolut, Zettle, and CabCard (individual plans) come with no monthly fees or contracts.
6. Need a standalone device? SumUp Solo, myPOS Go 2 and CabCard Pocket 4G are all standalone devices, with no phone needed for operation.
7. Do you want to print receipts? SumUp Solo+ Printer, CabCard, Viva Wallet (Black Cab bundle) and TakePayment all feature built-in or bundled receipt printing.
8. How much does the transaction rate matter? Lopay (0.79%) and Revolut (1.5%) have the lowest flat rates. Takepayments offers low transaction rates with volume but needs a contract.
The easiest way to find the best card machine provider for taxi drivers is by comparing providers at ComparedBusiness UK. All you need to do is fill in a quick quote form and we will connect you with the best card machine provider in the UK.
Find The Best Card Machine For Taxi Drivers With ComparedBusiness UK
Selecting the best taxi card machine can feel like a daunting task. Which is best for you depends on where and how you drive, as well as what’s most important to you: low fees, quick payouts, TfL compliance, or contract flexibility.
ComparedBusiness UK allows taxi drivers and fleet operators to compare the top card machine providers side-by-side, enabling you to find a provider that’s ideal for your business needs without spending hours researching each one. Compare card machines for your taxi business today, and accept every passenger, every time.
FAQs
Outside London at present, there is no mandatory requirement for taxi or private hire drivers to accept card payments, although increasing passenger expectations mean that many drivers do so. All TfL-licensed taxis and black cabs in London must by law accept card payments through a certified terminal fixed in the passenger compartment.
Payout speed varies by provider. MyPOS instantly settles funds into your e-money account. Lopay’s Instant to Bank plan offers real-time bank transfers. You can get next-morning payouts with SumUp and Lopay Standard. Purchases via Zettle and CabCard generally settle in 1 to 2 working days.
The majority of the providers listed here, such as Lopay, SumUp, myPOS, Revolut, Zettle, and CabCard (individual plans), do not require contracts or lock-ins. Takepayments is the only exception to this rule; it offers lower and negotiated transaction rates with an 18-month contract, which can be attractive for high-volume fleet operators.
