EPOS Card Machines – The Basics

EPOS Card Machines – The Basics

In today’s fast-paced world, customers expect to make transactions quickly and conveniently. For businesses, having a reliable and efficient payment system is crucial. EPOS (Electronic Point of Sale) card machines are an important component of this system. In this article, we will explore what an EPOS card machine is, how it works, and what costs to consider.

What is an EPOS Card Machine?

An EPOS card machine is an electronic device that enables businesses to accept payments from customers using credit or debit cards. These machines are commonly used in retail stores, restaurants, and other businesses where face-to-face transactions take place.

EPOS card machines are designed to be user-friendly, making it easy for customers to enter their payment details and for businesses to process the transaction. They are usually connected to a payment processing network, which verifies the payment and transfers the funds to the merchant’s account.

How do EPOS Card Machines Work?

EPOS card machines work by communicating with the payment processing network to authorize and process transactions. When a customer makes a payment, they will insert their card into the card reader or tap it against the contactless payment terminal. The machine will then connect to the payment processing network to verify the payment details and transfer the funds.

EPOS card machines can be connected to a variety of payment processing networks, including banks, payment service providers, and card payment schemes like Visa and Mastercard.

Many card machines also offer additional features, such as the ability to print receipts or integrate with other business systems like a point of sale (POS) terminal or a cloud software system such as a web portal.

What costs are there to consider when getting an EPOS card machine?

When choosing an EPOS card machine, there are several costs to consider. These include:

  1. Purchase or Rental Costs – EPOS card machines can be purchased outright or rented on a monthly basis. The cost will depend on the features of the machine, the brand, and the supplier.
  2. Transaction Fees – Merchant gateway and account providers typically charge a fee for each transaction processed. The fee will vary depending on the network and the type of card used for the transaction. For example, debit card transactions may have lower fees than credit card transactions. International cards also tend to incur higher fees than domestic cards.
  3. Monthly Fees – Some suppliers may charge a monthly fee for the use of their EPOS card machine. This fee may cover maintenance and support, as well as software updates and other features. There may also be monthly fees payable to your merchant account and gateway providers.
  4. Installation and Training Costs – If the EPOS card machine requires installation or training, there may be additional costs to consider. Some suppliers may offer installation and training services for a fee.


EPOS card machines are an essential tool for businesses that want to accept electronic face to face payments from customers. They offer a fast, secure, and reliable way to process transactions and can be customized to suit the needs of different businesses. When choosing an EPOS card machine, it’s important to consider the costs involved, including purchase or rental costs, transaction fees, monthly fees, and installation and training costs. By carefully weighing these factors, businesses can choose the right EPOS card machine for their needs and ensure that they are getting the best value for their money.