How to Choose the Right Card Machine for Business Success

find the right card machine for business with NPI

Knowing how to choose the right card machine for business may seem like a daunting task, but there’s a good reason to learn.  

In 2021, card payments accounted for 62.4% of all payment transactions in Ireland, making card payments the most popular way to pay, and that percentage will only go up.  

As a result, demand for secure, reliable card machines for businesses is at an all-time high. And while it can all seem overwhelming, we at NPI believe that knowledge is power. Keep reading to learn everything you need to know about choosing the right card machine for your business needs.  

For an in-depth chat with one of NPI’s payment experts, give us a call on 014475299, or fill out the free contact form 


What Are Card Machines?

Before getting into the specifics of choosing a card machine, you have to know the fundamentals. 

Card machines, also known as card readers or payment terminals, are specialized devices designed to process electronic payments made via debit or credit cards. They play a major role in facilitating secure and efficient transactions between your business and your customers’ financial institutions. 

These devices come in different forms, each offering a distinct set of features and capabilities. A modern card reader can generally accommodate all types of card payments and NFC-enabled devices for contactless payments. 

Types of Card Machines for Business

Before we get into the details of selecting the right card machine for business, let’s explore what’s available. Here’s what you need to know:  

Wired Card Machines

Wired card machines are physically connected to a point-of-sale (POS) system or a dedicated phone line. They offer stable and secure connectivity, making them a reliable choice for businesses with consistent transactions. 

Advantages of Wired Card Machines for Business

  • Reliability: Wired machines typically have a constant and stable connection, reducing the risk of transaction errors. 

  • Security: These machines are known for their robust security features, ensuring the safety of cardholder data. 

Limitations of Wired Card Machines for Business

  • Lack of Mobility: Wired machines are stationary, limiting their use to a fixed location. 

    Installation Costs: Setting up a wired machine may involve installation costs and time. 

Wireless Card Machines

Wireless card machines use cellular networks or Wi-Fi for connectivity, offering more flexibility than wired counterparts. They are portable and can be used throughout your business premises. 

Advantages of Wireless Card Machines for Business

  • Mobility: Wireless machines allow you to accept payments anywhere within your business, providing flexibility in serving customers. 

    Easy Setup: They are typically straightforward to set up and require minimal installation. 

Limitations of Wireless Card Machines for Business

  • Connectivity Dependence: Their functionality relies on network availability, so dead zones or poor connectivity areas can be problematic. 

    Potential Interference: Wireless networks can be susceptible to interference, affecting transaction speed and reliability. 

Mobile Card Machines

Mobile card machines are app-based and run on smartphones or tablets, making them highly portable. They often come with a card reader that attaches to your mobile device. 

Advantages of Mobile Card Machines for Business

  • Ultimate Mobility: These devices are incredibly flexible, allowing you to accept payments on the go, making them ideal for businesses that travel to events or customers’ locations. 

    Low Overhead: Mobile card machines typically have lower upfront costs. 

Limitations of Mobile Card Machines for Business

  • Battery Life: The battery life of your mobile device can be a limitation, so it’s important to ensure you have sufficient power for transactions. A high-quality card reader charger will help you stay powered.  

    Connectivity: Like wireless machines, mobile card machines rely on network availability. A card machine with a dedicated SIM card can provide more flexibility.  


EPOS systems encompass both hardware and software, often including card payment processing. They provide a comprehensive solution for businesses, managing sales, inventory, and more. 

Advantages of EPOS for Business

  • Integration: EPOS systems seamlessly integrate card payments with other business operations, offering a holistic view of your business. 

    Scalability: They can grow with your business, accommodating increased transaction volumes. 

Limitations of EPOS for Business

  • Cost: EPOS systems can be more expensive upfront, making them better suited for businesses with a higher budget. 

    Learning Curve: Implementing and learning to use an EPOS system may take time and training. 

Key Features to Look for in a Card Machine for Business

When selecting the right card machine for your business, it’s crucial to consider several key features. These features can significantly impact your payment processing, security, and overall business operations. In this section, we‘ll explore the essential elements you should keep in mind when making your decision.  

EMV Chip Compatibility:

EMV chip compatibility is a must-have in today’s payment landscape. It ensures that your card machine can process transactions securely with cards containing embedded EMV chips. This technology offers enhanced security by reducing the risk of counterfeit card fraud. 

NFC Support:

NFC (or Near Field Communication) enables contactless payments. It’s becoming increasingly popular, especially with mobile wallet applications like Apple Pay and Google Pay. Having NFC support allows your business to cater to customers who prefer this convenient and secure payment method. 

Connectivity Options:

Consider the connectivity options available with your card machine. Wired, wireless, and mobile connectivity options offer varying degrees of flexibility. Assess your business’s needs to determine which option suits you best. Additionally, having a backup connectivity option can ensure uninterrupted service in case of network issues. 

Customization and Branding:

Personalization and branding options can make your card machine stand out. Look for devices that allow you to customize the display, receipt, and even the casing to align with your business’s branding and aesthetics. 

Security Features:

Security should be a top priority. Ensure your chosen card machine offers robust security features, such as encryption and tokenisation, to protect sensitive customer data. Staying in line with Payment Card Industry Data Security Standard (PCI DSS) is also essential for maintaining a secure environment. Read more about PCI compliance

Business Requirements:

Consider your specific business requirements when choosing a card machine. Factors like transaction volume, types of payments you accept, and integration with other systems (like inventory management) should influence your decision. A card machine that aligns with your unique business needs can streamline operations and enhance customer satisfaction. 

Factors to Consider When Choosing a Card Machine for Business

After you have a look at the features of a few card reader types, it’s time to look at a few other factors that could make all the difference. Here’s what to pay attention to.  


Cost is often a primary concern for businesses of all sizes. When evaluating card machines, consider not only the initial purchase price but also the long-term costs. This includes transaction fees, maintenance expenses, and any potential upgrade costs. While it’s essential to stay within your budget, remember that investing in a slightly more expensive but feature-rich card machine can lead to cost savings and enhanced capabilities down the road. 


The ability of your card machine to grow with your business is a critical factor. Consider your future needs and expansion plans. Will the card machine accommodate increased transaction volumes? Can it integrate seamlessly with other systems as your business evolves? Opting for a scalable solution ensures that your payment processing remains efficient as your business expands. 

Ease of Use:

User-friendliness is vital, both for your employees and customers. A card machine that’s intuitive to operate can reduce training time for your staff and enhance the overall customer experience. Look for features like a user-friendly interface and clear prompts to simplify card payment processing.  

Future-Proofing Your Choice:

Future-proofing is the art of selecting a card reader that not only serves your current needs but also anticipates the future of payments future of payments. Technology evolves rapidly, and customer preferences change. By investing in a card machine that can adapt to new payment methods, security standards, and business requirements, you’ll save yourself the hassle and cost of frequent upgrades.

Tips for Finding the Best Card Machine for Business

Choosing the right card machine for business is a decision that can significantly impact your operations and customer interactions. In this section, we‘ll explore some valuable tips to help you navigate this important choice effectively. 

Understand Your Business Needs

Take a moment to thoroughly understand your business needs. Consider factors such as your average transaction volume, types of payments you accept, and your future growth plans. A clear understanding of your business requirements will guide your decision-making process. 

Read Reviews

One of the most valuable resources when making a decision is customer reviews. Explore reviews of different card machines and payment service providers. Pay attention to both positive and negative feedback to get a balanced perspective on their performance, reliability, and customer satisfaction. 

Compare Prices

Cost is a critical factor in selecting a card machine. Compare the prices of various models and providers, but remember that cost should not be the sole determining factor. Consider the overall value, including features, security, and long-term savings, when evaluating the pricing. 


Sometimes, a direct conversation with a merchant service provider can provide insights that online research cannot. This also gives you a chance to assess the provider’s customer service and see if they’re a good fit for your business.

Ask Questions

Finally, don’t be afraid to ask questions—lots of them. Seek clarity on any doubts or uncertainties you may have about the card machine, its features, and the terms of service. A provider willing to answer your questions and provide comprehensive information is more likely to be a reliable partner for your business. 

Find the Right Card Machine for Business with NPI

At New Payment Innovation (NPI), we understand the role that payment processing plays in your business’s success. We’re here to offer not just card machines but comprehensive solutions designed to meet your unique requirements. Our commitment to efficiency, security, and customer satisfaction ensures that you can focus on what you do best—running and growing your business. 

So, when it’s time to find the right card machine for your business, remember that NPI is here to support you every step of the way. Together, we can ensure that your payment processing is a strategic asset that propels your business forward. 

If you’re ready to get started with reliable payment solutions, give NPI a call at 014475299 or fill out the free contact form. 

Choosing the Right Card Machine for Business: FAQs

What is a card machine for business?

A card machine, also known as a card reader or terminal, is a device that enables businesses to accept electronic payments via debit or credit cards.

Selecting the right card machine ensures secure and efficient payment processing, enhances customer experience, and helps meet the evolving needs of your business.

Common types include wired, wireless, mobile, and EPOS (Electronic Point of Sale) systems, each with unique features and suitability for different business needs.

EMV chip compatibility ensures secure card transactions by processing payments with embedded chips, reducing the risk of counterfeit card fraud.

NFC (Near Field Communication) support enables contactless payments, catering to customers who prefer this convenient and secure payment method.

Key factors include cost, scalability, ease of use, future-proofing, and alignment with your business requirements.

Start by understanding your business needs, reading reviews, comparing prices, making direct inquiries, and asking questions to providers.

Yes, many card machines allow for customization, including display, receipt, and casing branding, to align with your business’s visual identity.

Look for encryption, tokenization, and PCI compliance to ensure the security of cardholder data and protect against fraud.

To future-proof, choose a card machine that can adapt to new payment methods, security standards, and business requirements, reducing the need for frequent upgrades.

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