Apply for our payment solutions
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Tailored pricing, specific to your business

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No hidden fees or confusing small print

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Tools that track your finances and provide customer insight

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Specialist UK-based support team available 8am – 9pm Monday to Saturday


How do you want to take payments?

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Card readers

For businesses that need to take payments face to face at the till, at a table or away from their premises.
 

Card readers
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Online

For businesses who rely on taking payments through their website or other digital channels, including pay by link.

Online payments
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Over the phone

For businesses who need a secure way to take payments when a cardholder is not present.
 

Over-the-phone payments

Need a connected payment solution?

If your business accepts payments through multiple channels, our omnichannel payment gateway joins together transactions made online, in person or over the phone into one single solution, allowing you to manage everything from one place whilst giving your customers a connected experience.

Omnichannel solution

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Why choose Lloyds Bank Cardnet®?

Trust

We’ve been providing businesses with card payment and merchant services for 25 years. Being part of Lloyds Bank also means we’re backed by centuries of financial expertise and stability.

People

From our knowledgeable UK customer service support, to our product development and sales teams, we always put you and your customers first.

Technology

From payment gateways to data analytics and intelligent point of sale, we can tailor our card payment solutions to help your business develop and grow, while making it easy for your customers to pay.

Support with switching fees

We can discuss helping with any exit fees if you’re already with another provider.

Enquire or apply

New to card payments

If you’re new to card payments, there’s a few things you’ll want to know, from understanding how they work, to what you might need before you start.

Learn about card payments

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More ways Cardnet can support your business

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Merchant Cash Advance

Turn your future card sales into a cash advance from £2,500 to £300,000 that you only pay back when your customers pay you.

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PCI DSS compliance

Complying with the latest industry security standards will help safeguard your customers and your business against theft and fraud.

Frequently asked questions

  • You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use Cardnet. We assess each business individually to ensure you receive the right product and service, whether you’re a small but established business, a large corporation or just starting out.

  • No two businesses are the same. We therefore work with you to ensure you get the right service to suit your budget. The cost for secure payment services varies across product and transactional fees that apply to each payment received. It will depend on factors such as your card turnover, how you want to take payments and the product options you select. You will see a breakdown of your rates and charges before you sign up, so you fully understand what you’re agreeing to before you start.

  • A point of sale (POS) is quite literally a location or system where a customer exchanges money for goods and services. A point-of-sale system allows a business to accept and process secure payments from customers and keep track of sales. A modern POS system is usually either digital, where a transaction may occur virtually online or over the phone, or a form of card terminal that’s either fixed or portable, or a combination of the two.

    A POS system should allow your business to:

    • Calculate the total amount owed for any given sale
    • Accept payment by cash, card or virtually 
    • Issue an electronic or printed  receipt
    • Record the details of the transaction

    Today’s POS systems have additional features such as the ability to manage inventory, create reports that detail trend and customer habits, as well as connect to other supporting software to help bring multiple customer transaction outlets into one system.

  • Our product range accept all major credit and debit cards as well as digital wallets as payment, including Mastercard, VISA, American Express, Discover Global Network and Diners Club International, Apple Pay, Google Pay and Samsung Pay.

  • Payment Card Industry Data Security Standards (PCI DSS) is a set of industry standards designed to ensure merchants store and process cardholder data securely. Any business that deals with payment processing is required to meet these standards and keep financial data secure as well as cardholders protected from fraud.

    Find out more about PCI DSS

  • From 14th March 2022 a greater level of authentication was introduced for online payments. Here are some useful documents we’ve developed to remind you of the process.
     

Important legal information

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at www.fca.org.uk