Why choose Lloyds Bank Cardnet?

We’ve been providing businesses with card payment services since 1997.

As part of Lloyds Bank, we’re backed by centuries of financial expertise and a strong belief in collaborative banking. By getting to you know your business we’ll tailor our services to suit the way you operate.

New to card payments? Read more about how to get started

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Discover Clover

Our innovative card payment solutions- much more than a card reader.

Card readers

Accept face-to-face card payments using a card machine that suits the way your business operates.

Online payments

Accept card payments through your website quickly and securely with Lloyds Bank Online Payments.

Over the phone

Accept card payments over the phone using our secure online ‘virtual card machine’.

Accepting payments | Lloyds Bank Cardnet
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Ready to apply?

In order for us to point you in the right direction we need to ask you a few questions.

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We’re sorry

Unfortunately we cannot proceed with your application unless your company is registered in the UK.

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Other payment services

Build a website for your business

Web in a box will help build your website and integrate payment options for your customers.

Web in a Box

Mobile top-ups

Allow customers to top up their pay-as-you-go mobile phones.

Phone top ups

International payments

Give your customers from across the globe the option to pay in their local currency with our Multi Currency service.

Accepting international payments
A man and woman sorting through receipts

Merchant Cash Advance

Turn your future card sales into working capital. Apply for a cash advance between £2,500 to £300,000.

Explore Merchant Cash Advance

Services for corporates

The larger a business gets, the more complex its card payment needs. That’s why we provide a personalised service for corporate clients with multiple retail locations and unique trading requirements.

  • A dedicated relationship manager who cares about your success.
  • Comprehensive onboarding support from our team to get you up and running quickly.
  • Straightforward, bespoke rates based around your individual business needs.
  • Sophisticated online reporting tools that will help you manage, track and analyse transactions.
  • Help and advice to meet the latest security requirements for compliance with PCI DSS standards.
Enquire now

Digital ordering solutions

There's no longer any need for your customers to wait at the till. Now they can pay and order with an app and avoid a queue – saving time, and boosting your sales.

Three mobile devices, showing a menu, an order and a payment screen

Mobile app solutions

Fat face

Group Finance Director, Will Crumbie, talks about how switching to Lloyds Bank Cardnet has enabled Fat Face to cut costs and attract more shoppers.


Online furniture business Loaf.com has moved its card acquiring facilities to Lloyds Bank Cardnet as it seeks to grow turnover by 25% year-on-year.

Resources and FAQs

Find ‘How to’ guides, answers to our FAQs and extensive information on cards, payments and compliance.

View our 'How to' guides

Receive our Thought Leadership and Market Updates

Get our top insights to help your business by signing up to our Thought Leadership and Market Updates. From the latest retail trends to payment regulation, our experts will keep you up to speed. Please enter your email below if you would like to receive our Thought Leadership and Market Updates.

Your information will be held by Lloyds Bank plc trading as Cardnet, part of the Lloyds Banking Group. More information on the Group can be found at lloydsbankinggroup.com.

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Who looks after your personal information

Your personal information will be held by Cardnet which trades as Cardnet, part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com

How we use your personal information

We will use your personal information:

  • to provide products and services, manage your relationship with us and comply with any laws or regulations we are subject to (for example the laws that prevent financial crime or the regulatory requirements governing the products we offer).
  • for other purposes including improving our services, exercising our rights in relation to agreements and contracts and identifying products and services that may be of interest.

To support us with the above we analyse information we know about you and how you use our products and services, including some automated decision making. You can find out more about how we do this, and in what circumstances you can ask us to stop, in our full privacy notice.

Who we share your personal information with

Your personal information will be shared within Lloyds Banking Group and other companies that provide services to you or us, so that we and any other companies in our Group can look after your relationship with us. By sharing this information it enables us to better understand our customers’ needs, run accounts and policies, and provide products and services efficiently. This processing may include activities which take place outside of the European Economic Area. If this is the case we will ensure appropriate safeguards are in place to protect your personal information.

You can find out more about how we share your personal information with credit reference agencies below and can access more information about how else we share your information in our full privacy notice.

Where we collect your personal information from

We will collect personal information about you from a number of sources including: information given to us on application forms, when you talk to us in branch, over the phone or through the device you use and when new services are requested. from analysis of how you operate our products and services, including the frequency, nature, location, origin and recipients of any payments. from or through other organisations (for example card associations, credit reference agencies, insurance companies, retailers, comparison websites, social media and fraud prevention agencies). 

In certain circumstances we may also use information about health or criminal convictions but we will only do this where allowed by law or if you give us your consent.

You can find out more about where we collect personal information about you from in our full privacy notice.

Do you have to give us your personal information

We may be required by law, or as a consequence of any contractual relationship we have, to collect certain personal information. Failure to provide this information may prevent or delay us fulfilling these obligations or performing services.

What rights you have over your personal information

The law gives you a number of rights in relation to your personal information including:

  • the right to access the personal information we have about you. This includes information from application forms, statements, correspondence and call recordings.
  • the right to get us to correct personal information that is wrong or incomplete.
  • in certain circumstances, the right to ask us to stop using or delete your personal information.

From 25 May 2018 you will have the right to receive any personal information we have collected from you in an easily re-usable format when it’s processed on certain grounds, such as consent or for contractual reasons. You can also ask us to pass this information on to another organisation.

You can find out more about these rights and how you can exercise them in our full privacy notice.

Other individuals you have financial links with

We may also collect personal information about other individuals who you have a financial link with. This may include people who you have joint accounts or policies with such as your partner/spouse, dependents, beneficiaries or people you have commercial links to, for example other directors or officers of your company. We will collect this information to assess any applications, provide the services requested and to carry out credit reference and fraud prevention checks. You can find out more about how we process personal information about individuals with whom you have a financial link in our full privacy notice.

How we use credit reference agencies

In order to process your application we may supply your personal information to credit reference agencies (CRAs) including how you use our products and services and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time, information on funds going into the account, the balance on the account and, if you borrow, details of your repayments or whether you repay in full and on time.

CRAs will share your information with other organisations, for example other organisations you ask to provide you with products and services. Your data will also be linked to the data of any joint applicants or other financial associates as explained above.

You can find out more about the identities of the CRAs, and the ways in which they use and share personal information, in our full privacy notice.

How we use fraud prevention agencies

The personal information we have collected from you and anyone you have a financial link with may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. Further details of how your information will be used by us and these fraud prevention agencies, and your data protection rights, can be found in our full privacy notice.

Our full privacy notice

It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice, which you can find at https://lloydsbankcardnet.com/privacy/ or you can ask us for a copy.

How you can contact us

If you have any questions or require more information about how we use your personal information please contact us using https://lloydsbankcardnet.com/. You can also call us on 01268 567100. If you feel we have not answered your question Lloyds Banking Group has a Group Data Privacy Officer, who you can contact on 01268 567100 and tell us you want to speak to our Data Privacy Officer.

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This notice was last updated in April 2018.

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