Card Payments

Choosing a POS system for your business

The right terminal depends less on brand and more on where and how you'll take payments. Get the form factor right and the rest is easier.

4 min readUpdated Apr 2026
Key points
  • Countertop is cheapest and most reliable for fixed retail
  • Portable suits table-service venues
  • Mobile terminals work anywhere with 4G/5G signal
  • Prefer 12–24 month terminal contracts, not 3–5 year deals

Countertop

Ethernet-connected, always-on, sits at a till. Cheapest option and the most reliable for busy fixed-location retail and hospitality.

Portable

WiFi or Bluetooth, moves around the venue on a base station. Ideal for pubs, restaurants and salons where you take payment at the customer.

Mobile (4G/5G)

SIM-connected, works anywhere with signal. Essential for trades, market stalls, deliveries and pop-ups.

Contracts

Watch minimum-term contracts on terminal hire — 3–5 year deals still exist. Prefer 12–24 month terms and check the early-exit fees.

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