Revolut Card Machine Review 2026: Fees, Costs & Business Payments
Quick Answer
Revolut Business offers in-person card payments from 0.8% + £0.02 for UK consumer Visa and Mastercard transactions, with its current card-machine range including the Revolut Terminal at £169 + VAT and Lite Terminal at £129 + VAT.
Businesses can also take payments using Tap to Pay on iPhone, Revolut POS, online card payments, Payment Links, Invoices and Revolut Pay.
The older Revolut Reader is no longer available to purchase , although existing Readers continue to work.
Revolut Business is particularly worth comparing if you:
want to buy a card terminal rather than rent one
want published transaction pricing
already use or are considering a Revolut Business account
want in-person and online payments in one ecosystem
take international payments or sell in multiple currencies
want next-day access to eligible payment takings
want POS, Tap to Pay or Revolut Pay alongside a physical terminal
Unlike many traditional merchant-service providers, Revolut publishes standard payment-processing rates and does not charge a separate monthly payment-acceptance fee beyond the applicable Revolut Business plan.
Considering Revolut for card payments?
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Revolut Business Payments at a Glance
Feature Revolut Business
Revolut Terminal
£169 + VAT one-off
Lite Terminal
£129 + VAT one-off
Revolut Reader
No longer available to purchase; existing devices continue to work
UK Visa/Mastercard consumer cards in person
0.8% + £0.02
UK American Express consumer cards in person
1.7% + £0.02
Other cards in person
2.6% + £0.02
UK Visa/Mastercard consumer cards online
1% + £0.20
UK American Express consumer cards online
1.7% + £0.20
Other cards online
2.8% + £0.20
Revolut Pay in-store
From 0.5% + £0.02
Tap to Pay on iPhone
Available
POS
Available
Payment Links
Available
Invoices
Available
International/multi-currency payments
Supported
Settlement
Next-day/within 24 hours for eligible payment acceptance
Monthly payment-acceptance fee
Included with Revolut Business plans
Best suited to
SMEs wanting card payments, business banking and multi-channel payments in one ecosystem
Key Takeaways
Revolut Business currently charges 0.8% + £0.02 for in-person UK consumer Visa and Mastercard payments.
The Revolut Terminal currently costs £169 + VAT as a one-off hardware purchase.
The Lite Terminal currently costs £129 + VAT .
The original Revolut Reader is no longer available to buy, but existing Readers continue to work.
Revolut also offers Tap to Pay on iPhone, POS, online card payments, Payment Links, Invoices and Revolut Pay.
Online UK consumer Visa and Mastercard transactions currently cost 1% + £0.20 .
Commercial and international cards cost more than domestic consumer cards.
Payment-acceptance services are connected to the Revolut Business ecosystem, so businesses should consider the cost and suitability of their Business plan as well as payment-processing fees.
Revolut can be particularly attractive to businesses taking payments in different currencies.
Businesses processing large payment volumes can contact Revolut about custom rates.
Compare Revolut with other UK card machine providers
How do we work?
Our comparisons are researched and reviewed by the Compare Your Business Costs editorial team using provider information, official UK guidance and business buying criteria. See how Compare Your Business Costs works.
Authored by: Ally Cox (Business Technology & B2B Services Specialist, 10+ Years’ Experience)
Last Updated: September 2026
Contents
Revolut Card Machine Costs & Fees One of the main differences between Revolut and many traditional merchant-services providers is that Revolut publishes its standard card-processing fees.
For UK businesses, current standard in-person pricing is:
In-Person Payment Current Standard Fee
UK consumer Visa & Mastercard
0.8% + £0.02
UK consumer American Express
1.7% + £0.02
International cards
2.6% + £0.02
Commercial cards
2.6% + £0.02
This means a business taking mostly UK consumer Visa and Mastercard payments will have a very different effective processing cost from one taking a high proportion of international or business cards.
Revolut hardware costs
Revolut’s current card-machine hardware is purchased upfront rather than rented:
Hardware Current Price
Revolut Terminal
£169 + VAT
Lite Terminal
£129 + VAT
Revolut Reader
No longer available to purchase
That makes Revolut quite different from providers that charge an ongoing monthly terminal rental.
Your total cost still depends heavily on the cards your customers use.
A business processing mostly domestic consumer cards could have a substantially lower effective rate than a business serving international customers or accepting large numbers of commercial cards.
Compare UK card machine rates and fees
How Much Would Revolut Cost Your Business? Because Revolut publishes its standard processing rates, businesses can estimate their transaction costs relatively easily.
Example: £5,000 of UK consumer Visa/Mastercard sales
At 0.8%, the percentage element on £5,000 would be £40.
You would then add £0.02 for each successful transaction.
If those £5,000 of sales were spread across 200 transactions, the fixed-fee element would be £4.
Indicative processing cost: £44.
This example excludes hardware, the underlying Revolut Business plan and any other services or transaction types.
The same £5,000 processed using international or commercial cards would cost substantially more because the percentage rate is higher.
Why average transaction value matters
A fixed £0.02 fee has relatively little impact on a £100 transaction.
It has proportionately more impact on a £2 transaction.
That makes the combination of:
monthly card turnover + number of transactions + card mix
more useful than simply comparing the headline percentage.
For more detail, see our guide to card machine costs .
Revolut Terminal The Revolut Terminal is now the main full card terminal within Revolut Business’s in-person payment range.
It currently costs £169 + VAT as a one-off hardware purchase.
Rather than renting the machine each month, businesses purchase the hardware and then pay the applicable transaction charges when they accept payments.
The Terminal is designed for businesses such as:
retailers
cafés
restaurants
bars
salons
hospitality businesses
service businesses
It forms part of the wider Revolut Business payment ecosystem, which can combine physical card acceptance with POS and online payment tools.
Revolut Terminal payment fees
Standard in-person UK consumer Visa and Mastercard payments currently cost 0.8% + £0.02 .
UK consumer American Express payments are 1.7% + £0.02 .
Commercial and international cards are currently 2.6% + £0.02 .
Businesses with high monthly payment volumes can contact Revolut about custom pricing.
Revolut Lite Terminal Revolut also currently offers a Lite Terminal for £129 + VAT .
This gives businesses a lower-cost entry point into Revolut’s current physical payment hardware range.
The same standard in-person payment pricing starts at 0.8% + £0.02 for UK consumer Visa and Mastercard transactions.
When deciding between Revolut’s terminal options, compare:
hardware cost
how and where staff will take payments
POS requirements
connectivity
the payment methods your customers use
For many businesses, the difference in upfront hardware price will matter much less over time than the transaction fees generated by their card turnover.
What Happened to the Revolut Reader? The original Revolut Reader is no longer available to purchase. This is important because older Revolut pages and third-party reviews can still refer to the Reader as Revolut’s main low-cost card machine.
Revolut’s current UK support information says businesses that already own a Reader can continue using it as usual, and existing Readers can accept:
Visa
Mastercard
Chip & PIN
contactless payments
Apple Pay
Google Pay
Samsung Pay
The Reader connects to the Revolut Business mobile app using Bluetooth.
Existing users therefore do not need to stop using a working Reader simply because new devices are no longer sold.
New customers looking for Revolut card hardware should compare the current Revolut Terminal and Lite Terminal instead.
Revolut Tap to Pay on iPhone Businesses that don’t want a separate card machine can also use Tap to Pay on iPhone where eligible, and this turns a compatible iPhone into a contactless payment acceptance device without requiring an additional card reader.
Customers can pay using:
contactless Visa cards
contactless Mastercard cards
American Express
Apple Pay
other supported digital wallets
There is currently no separate subscription or setup fee for Tap to Pay on iPhone.
For UK businesses, current Tap to Pay pricing is:
Card Type Current Fee
UK consumer Visa/Mastercard
0.8% + £0.10
UK consumer American Express
1.7% + £0.10
Other cards
2.6% + £0.10
The fixed transaction charge is therefore higher than the £0.02 applying to standard in-person terminal payments and so tap to Pay can nevertheless be useful for:
mobile businesses
tradespeople
market sellers
events
pop-up shops
businesses wanting an additional payment point
It can also provide a useful backup payment option if a business doesn’t want to purchase another terminal.
Revolut POS Revolut also offers a Point of Sale solution for businesses wanting to manage payments and sales together and their current payment proposition includes a POS app for iPad, allowing businesses to combine in-person card acceptance with point-of-sale functionality.
This is particularly relevant to:
retail
hospitality
cafés
restaurants
businesses wanting sales and payment tools within the same ecosystem
If you’re replacing both your payment terminal and till software, don’t compare the card-processing rate in isolation.
Compare the total cost and functionality of the complete setup.
See our EPOS system costs guide for more information.
Revolut Business Online Payments Revolut Business also supports online card payments – current standard UK pricing is:
Online Payment Current Standard Fee
UK consumer Visa & Mastercard
1% + £0.20
UK consumer American Express
1.7% + £0.20
International cards
2.8% + £0.20
Commercial cards
2.8% + £0.20
Businesses can accept payments online through options including:
online card checkout
Payment Links
Invoices
Revolut Pay
Merchant API
supported ecommerce integrations
Revolut currently supports payment integrations with major ecommerce platforms including Shopify and Magento, so it can therefore be particularly useful to businesses that sell both in person and online .
Instead of maintaining entirely separate payment providers, a business can potentially manage several payment channels within its Revolut Business setup.
What Is Revolut Pay? Revolut Pay allows customers with a Revolut account to pay businesses directly through Revolut and for merchants, one of the main attractions is pricing.
In-store Revolut Pay payments currently start from 0.5% + £0.02.
That is lower than Revolut’s standard 0.8% + £0.02 in-person rate for UK consumer Visa and Mastercard payments.
Revolut Pay can also be used online – this gives businesses another checkout option alongside conventional debit and credit card payments.
It may be particularly relevant where a meaningful proportion of customers already use Revolut.
However, businesses should not assume every customer will choose Revolut Pay, so calculate expected costs using the actual mix of payment methods you are likely to receive.
How Quickly Does Revolut Pay Businesses? Revolut promotes 24-hour/next-day settlement for its payment-acceptance services. That means businesses can generally access payment proceeds through their Revolut Business setup relatively quickly, although payout schedules are subject to Revolut’s applicable payment-processing terms.
Settlement speed can be particularly important for:
restaurants
retailers
cafés
businesses buying stock frequently
businesses with significant daily card turnover
Existing Revolut Reader payments are settled into the Merchant account within 24 hours according to Revolut’s current Reader support documentation.
Always confirm the settlement arrangements applying to your specific payment product and account.
Revolut International & Multi-Currency Payments One of Revolut’s more distinctive features is the connection between payment acceptance and its wider multi-currency business account and Revolut allows businesses to accept and settle payments in multiple currencies.
This can be useful for:
international ecommerce businesses
tourism businesses
hotels
businesses serving overseas customers
companies selling across several countries
Revolut currently says businesses can accept and settle payments in up to 32 currencies through its payment proposition without an additional charge until they choose to exchange, subject to applicable allowances and terms.
However, don’t confuse multi-currency settlement with the fee charged for an international card.
International cards currently attract a higher processing rate than UK consumer Visa and Mastercard payments.
That distinction can materially affect costs for businesses serving tourists or international customers.
Revolut Refunds & Chargebacks Revolut currently says refunds can be processed without an additional refund fee, and chargebacks are different.
Its current standard payment pricing lists a £15 chargeback fee , with the charge refunded by Revolut Business if the dispute is ultimately ruled in the merchant’s favour.
Businesses with a high risk of disputed transactions should therefore include chargeback handling and costs when comparing providers.
This can be particularly relevant to:
ecommerce businesses
travel businesses
subscription businesses
businesses selling high-value products
Who Is Revolut Business Payments Best For? Revolut’s payment proposition is particularly interesting because it combines payment acceptance with wider business banking and multi-currency tools.
Business Why Revolut May Be Worth Comparing
Small retailer
Purchased terminal, POS and published processing fees
Café
Low-value in-person transactions and POS options
Restaurant
Physical payments, POS and next-day settlement
Mobile business
Tap to Pay on iPhone can remove the need for separate hardware
Ecommerce business
Online cards, Payment Links, Revolut Pay and integrations
International business
Multi-currency payment acceptance and wider Revolut Business tools
Existing Revolut Business customer
Payments can sit within the existing Revolut ecosystem
Business wanting upfront hardware
Terminal purchased rather than conventional monthly rental
Revolut will be less suitable if…
You should compare alternatives particularly carefully if:
you don’t want to use Revolut Business
a large proportion of your transactions use commercial or international cards
you want a traditional rented terminal and merchant-service package
you need specialist hospitality or retail integrations not available through your proposed Revolut setup
you want face-to-face account management from a traditional merchant-services provider
The published 0.8% + £0.02 rate is attractive, but it only applies to the relevant domestic consumer card transactions.
Your customer card mix matters.
Revolut Card Machine Alternatives Revolut competes with both simple card-reader companies and more traditional merchant-service providers.
Provider Worth Comparing For
SumUp Small businesses wanting simple card readers and straightforward pricing
Square Payments combined with a broad POS ecosystem
PayPal POS Businesses wanting PayPal-linked payments and POS
Dojo Established businesses wanting modern terminals and merchant services
Paymentsense Businesses wanting terminals and integrated merchant services
Handepay SMEs comparing dedicated card machines and merchant services
Takepayments SMEs wanting tailored card-machine pricing
Worldpay Established businesses needing broad payment services
Tyl by NatWest Businesses wanting bank-backed card payment services
The biggest distinction is often pricing structure.
Revolut, SumUp and Square make it relatively easy to see standard transaction pricing before applying.
Paymentsense, Handepay, Dojo, Takepayments and other merchant-service providers may use more individually tailored pricing depending on the merchant.
Neither model is automatically cheaper.
The answer depends on your turnover and transaction mix.
Compare Revolut alternatives and card machine quotes
Revolut vs SumUp Revolut and SumUp both appeal to smaller businesses wanting relatively straightforward card-payment pricing without a conventional merchant-services quotation process.
Revolut becomes particularly interesting if you also want a Revolut Business account, multi-currency tools, online payments or Revolut Pay.
SumUp is strongly focused on simple card acceptance, card readers and POS tools for smaller merchants.
When comparing them, look at:
your normal card types
hardware cost
transaction fees
business-account requirements
online payments
POS functionality
See our SumUp card machine review .
Revolut vs Square Square and Revolut both combine payment processing with wider business tools.
Square has an established POS ecosystem covering a wide range of retail, hospitality and service use cases.
Revolut combines payment acceptance more closely with business banking, international payments and multi-currency functionality.
A business choosing between them should therefore compare more than the transaction rate.
Consider whether your priority is: POS and operational tools → Square
or payments + business banking + multi-currency tools → Revolut
Then compare the actual costs generated by your transactions.
See our Square card machine review .
Revolut vs Dojo Revolut and Dojo approach card payments differently.
Revolut publishes standard rates and sells its current terminals upfront.
Dojo offers a more traditional merchant-services proposition with terminal and payment-processing arrangements tailored around the merchant.
For an established business, compare:
annual processing cost
hardware cost
contract commitment
settlement
POS/EPOS requirements
support
A lower headline percentage isn’t necessarily the lowest-cost option once your actual card mix and turnover are considered.
Read our Dojo card machine review .
Revolut Card Machine Pros & Cons advantages
Published in-person rates starting at 0.8% + £0.02
Revolut Terminal available for a one-off £169 + VAT
Lite Terminal available for £129 + VAT
No separate monthly payment-acceptance fee
Tap to Pay on iPhone available
Online and in-person payments within the same ecosystem
Revolut Pay offers lower in-store processing rates
Useful multi-currency functionality
Payment Links and Invoices available
Next-day/24-hour settlement available
Refunds without an additional refund fee
Potential custom rates for high-volume businesses
disadvantages
The original low-cost Revolut Reader is no longer available to buy
Commercial and international cards cost considerably more than UK consumer Visa/Mastercard payments
Requires the wider Revolut Business/Merchant ecosystem
Tap to Pay has a higher fixed transaction fee than terminal payments
Businesses need to factor in their underlying Revolut Business plan
May not provide the same tailored merchant-service relationship some established businesses prefer
Our View: When Revolut Business Payments Make Sense Revolut is one of the more interesting card-payment options for businesses that want payments and business banking to work within the same ecosystem . Their pricing is also refreshingly easy to understand compared with providers where businesses have to request a quote before seeing transaction rates.
For a business taking predominantly UK consumer Visa and Mastercard payments, the current 0.8% + £0.02 in-person rate is worth comparing closely.
The upfront terminal model is another distinction, so instead of paying ongoing terminal rental, businesses can currently purchase a Lite Terminal for £129 + VAT or the full Revolut Terminal for £169 + VAT.
The strongest use cases are likely to be:
existing Revolut Business customer → integrated business banking and payments international business → multi-currency payments and account functionality small retailer/café → published in-person rates and purchased hardware online + physical seller → multiple payment channels in one ecosystem mobile business → Tap to Pay on iPhone
The main cost warning is card mix.
A business seeing “0.8% + £0.02” should not assume every transaction costs that amount.
International and commercial cards currently cost 2.6% + £0.02 in person , which can materially change the economics.
Revolut therefore looks most competitive when its wider Business features are useful to you and a large proportion of your in-person transactions are domestic consumer cards.
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What to Check Before Choosing Revolut Business Payments Before deciding, work through:
How much do you take in card payments each month?
What percentage comes from UK consumer cards?
How many commercial cards do you accept?
How many international cards do you accept?
Do you need a Terminal or could Tap to Pay work?
Do you need online payments as well?
Would customers realistically use Revolut Pay?
Do you need POS functionality?
Do you benefit from holding and receiving multiple currencies?
Which Revolut Business plan would you need?
What would the combined annual cost be?
How does that compare with two or three competing providers?
The best comparison uses your actual card mix rather than assuming every payment qualifies for the lowest advertised rate.
Revolut Card Machine FAQs Does Revolut have a card machine?
Yes. Revolut Business currently offers the Revolut Terminal and Lite Terminal for in-person card payments.
How much does a Revolut card machine cost?
The Revolut Terminal currently costs £169 + VAT, while the Lite Terminal costs £129 + VAT.
How much does the Revolut Reader cost?
The Revolut Reader is no longer available to purchase. Older Revolut information may show previous Reader pricing, but new customers should compare the current Terminal and Lite Terminal instead.
Can I still use my Revolut Reader?
Yes. Revolut says existing Readers continue to work even though new Readers are no longer available to purchase.
What are Revolut card machine fees?
Current standard in-person fees start at 0.8% + £0.02 for UK consumer Visa and Mastercard payments. UK consumer American Express transactions cost 1.7% + £0.02, while commercial and international cards cost 2.6% + £0.02.
Does Revolut charge a monthly card-machine fee?
Revolut’s current Terminal and Lite Terminal use a one-off hardware purchase rather than conventional monthly terminal rental. Payment acceptance is included with Revolut Business plans, so businesses should also consider the cost of the Business plan they use.
Does Revolut accept American Express?
Revolut’s current payment products support American Express, although Revolut states that the legacy Reader is an exception. Current standard UK consumer Amex pricing is 1.7% + £0.02 for in-person payments.
Does Revolut accept Apple Pay?
Yes. Revolut Business supports digital wallet payments including Apple Pay and Google Pay across applicable payment products.
Can I use Revolut for contactless payments?
Yes. Revolut’s in-person payment options support contactless payments, and eligible businesses can also use Tap to Pay on iPhone.
Can I take card payments on my phone with Revolut?
Yes. Revolut offers Tap to Pay on iPhone for eligible businesses, allowing a compatible iPhone to accept contactless payments without a separate terminal.
How much does Revolut Tap to Pay cost?
For UK consumer Visa and Mastercard cards, the current rate is 0.8% + £0.10 per transaction. UK consumer American Express costs 1.7% + £0.10, while other cards cost 2.6% + £0.10.
Does Revolut offer online card payments?
Yes. Revolut Business supports online card payments, Payment Links, Invoices, Revolut Pay, ecommerce integrations and Merchant API functionality.
What are Revolut’s online card fees?
Current standard online pricing is 1% + £0.20 for UK consumer Visa and Mastercard, 1.7% + £0.20 for UK consumer American Express, and 2.8% + £0.20 for other cards.
What is Revolut Pay?
Revolut Pay allows customers to pay businesses directly through their Revolut account. In-store Revolut Pay transaction pricing currently starts at 0.5% + £0.02.
How quickly does Revolut settle card payments?
Revolut promotes next-day/24-hour access to payment proceeds, subject to its applicable payout and payment-processing terms.
Can Revolut accept international card payments?
Yes. Revolut supports international payments and multi-currency payment acceptance. International cards currently have higher processing rates than UK consumer cards.
Can I accept multiple currencies with Revolut?
Yes. Multi-currency payment acceptance is one of Revolut Business’s notable features. Supported currencies depend on the payment method being used.
Does Revolut charge for refunds?
Revolut currently states that refunds can be processed without an additional refund fee.
Does Revolut charge for chargebacks?
Revolut’s current standard pricing lists a £15 chargeback fee. Revolut says this is refunded if the chargeback dispute is decided in the business’s favour.
Is Revolut cheaper than SumUp?
It depends on your turnover, card mix, hardware and other services. Revolut’s standard UK consumer in-person rate starts at 0.8% + £0.02, but commercial and international cards cost more. Compare the total annual cost rather than one headline rate.
Is Revolut cheaper than Square?
It depends on the transactions your business processes and the POS features you need. Compare hardware, transaction rates, card mix and any additional software or account costs.
Is Revolut good for small businesses?
Revolut can be particularly relevant to small businesses that want payment acceptance alongside business banking, online payments or multi-currency functionality. Businesses wanting only a standalone card reader should also compare specialist alternatives.
What are the best alternatives to Revolut card machines?
Relevant alternatives include SumUp, Square, PayPal POS, Dojo, Paymentsense, Handepay, Takepayments, Worldpay and Tyl by NatWest.
Should I use Revolut for card payments?
Revolut is worth comparing if its published transaction pricing, purchased terminal hardware and wider Business payment/account features match your requirements. Calculate costs using your actual domestic, commercial and international card mix before choosing.
Compare Revolut Card Machine Quotes Revolut offers an increasingly broad business-payment ecosystem covering:
physical card terminals
Tap to Pay
POS
online card payments
Revolut Pay
Payment Links
Invoices
multi-currency payments
Its published rates make costs relatively easy to estimate, but that doesn’t mean Revolut will be cheapest for every business.
Your turnover, card mix and payment channels determine the real cost.
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Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
