Barclaycard logo

Barclaycard

Barclays-backed card machine provider with same-day settlement for Barclays account holders.

In-person rate
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Online rate
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Monthly fee
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Contract
Anywhere: none; Touch: 12 months; Flex Mobile: 18 months

Best for

Businesses banking with Barclays wanting integrated banking and card acceptance with next-day payouts.

Pricing breakdown

All prices in GBPSourced from provider's published pricing

Every fee we track, grouped by where it applies.

In-person payments

In-person terminal and tap-to-pay transactions.

Transaction rate
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Barclaycard does not publish this rate. Third-party sources cite around 1.6% for turnover under £100k/yr, but treat this as indicative and confirm with a quote.

Monthly fee
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Anywhere PAYG is £0/mo. Flex Mobile is around £10 plus VAT/mo and Smartpay Touch around £29 plus VAT/mo, based on third-party reporting rather than Barclaycard's own pricing page, so treat these as indicative.

Hardware cost
Anywhere £29+VAT one-off; Touch and Flex Mobile £0 upfront (rental)
Setup fee
£29+VAT (Anywhere)

Anywhere PAYG: £29+VAT hardware one-off (third-party). Other plans: £0 upfront with rental.

Online payments

Online checkout and keyed-in card transactions.

Transaction rate
Get quote
Monthly fee
Get quote

Anywhere PAYG is £0/mo. Flex Mobile is around £10 plus VAT/mo and Smartpay Touch around £29 plus VAT/mo, based on third-party reporting rather than Barclaycard's own pricing page, so treat these as indicative.

Setup fee
£29+VAT (Anywhere)

Anywhere PAYG: £29+VAT hardware one-off (third-party). Other plans: £0 upfront with rental.

Other fees

Chargeback fee
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AMEX rate
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Amex is not accepted on the Anywhere plan. Touch and Flex Mobile accept Amex, but the rate is not published. Ask for a quote.

International card surcharge
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Early termination fee
None (all plans)

All three models listed as no cancellation cost per merchantmachine.co.uk.

Instant payout fee
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Refund fee
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Third-party reviews suggest refunds may cost extra, but Barclaycard does not publish an amount. Ask before you sign.

PCI compliance fee
Assistance available (fee not published)

Barclaycard offers PCI compliance assistance, but does not publish the fee amount. Ask before you sign.

Contract terms

Contract length
Anywhere: none; Touch: 12 months; Flex Mobile: 18 months
Settlement time
Next business day to Barclays account; 3-7 days to other banks
Recurring billing
Contact provider

Accepted payment methods

Cards, wallets, and other methods supported by Barclaycard for UK merchants.

Cards

  • Visa
  • Mastercard

Digital wallets

  • Apple Pay
  • Google Pay

Other

  • international-cards

Strengths and trade-offs

Pros

  • Barclays bank brand and backing
  • Anywhere plan has no contract
  • No early termination fee on any plan
  • Visa and Mastercard acceptance including contactless

Cons

  • Rate not published on the website (lower confidence)
  • Non-Barclays settlement takes 3 to 7 days
  • Anywhere plan does not accept Amex

About Barclaycard

Barclaycard Payments is Barclays Bank's merchant services arm. The Anywhere PAYG reader carries a one-off hardware cost of £29 with no contract; Flex Mobile and Smartpay Touch plans run on 12 to 18-month terms. Transaction rates are quote-based; a third-party source cites around 1.6% for merchants under £100k/year, but this is unverified. Settlement is next business day to Barclays accounts or 3 to 7 days to other banks.

Barclaycard was founded in 1966 and is headquartered in London, UK.

How Barclaycard compares

Side-by-side with the closest alternatives by estimated cost.

Assumes £15,000/mo volume, £50 average transaction, 70% in-person and 30% online.

Barclaycard logo

Barclaycard

In-person rate
Get quote
Online rate
Get quote
Monthly fee
Get quote
Hardware cost
Anywhere £29+VAT one-off; Touch and Flex Mobile £0 upfront (rental)
Contract length
Anywhere: none; Touch: 12 months; Flex Mobile: 18 months
Settlement time
Next business day to Barclays account; 3-7 days to other banks
Est. monthly cost
Elavon logo

Elavon

£186.45/mo est.

In-person rate
0.99%
Online rate
1.5%-1.99% (Opayo, est.)
Monthly fee
From £15/mo (incl terminal)
Hardware cost
£5 one-off (Start Simple) / included in plan (Booster/Core)
Contract length
12 months
Settlement time
48h standard (Elavon plan pages also cite next-day; confirm for your plan)
Est. monthly cost
£186.45/mo
myPOS logo

myPOS

£202.20/mo est.

In-person rate
1.10% + 7p
Online rate
1.30% + 15p
Monthly fee
£0/mo
Hardware cost
Go 2 £29 / Flex £59 / Go Combo £169 / Ultra £229 / Tap-to-Pay £0 (excl VAT)
Contract length
No contract
Settlement time
Instant (~3 seconds to myPOS business account); £1.50 per bank transfer out (GBP; SEPA £4.00)
Est. monthly cost
£202.20/mo
Zeller logo

Zeller

£204/mo est.

In-person rate
1.3%
Online rate
1.5%
Monthly fee
£0/mo
Hardware cost
Terminal 1x £99 / Terminal 2 £149 (excl VAT)
Contract length
No contract
Settlement time
Same-day to Zeller Business Account; next business day to any bank
Est. monthly cost
£204/mo

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