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Ideal MerchantService Ltd

Card machines · 4 min read

Countertop vs Portable vs Mobile Card Machines

Three terminal categories cover the majority of in-person payments in the UK. Here is what separates them.

Published 11 February 2026 by Ideal Merchant Service Ltd

Countertop

A countertop terminal sits in one place, usually beside the till, and connects through your broadband. It is the most straightforward option for shops, convenience stores, takeaway counters and any business where the customer comes to a fixed point to pay.

Portable

A portable terminal connects to a base station and works across your premises. Restaurants, pubs, hotels and salons use them so payment can be taken wherever the customer is sitting, rather than asking them to walk to a counter.

Mobile

A mobile terminal uses a mobile network, so it works away from your premises entirely. Tradespeople, market traders, mobile therapists, delivery businesses and pop-up retailers rely on them.

Which one is right?

Many businesses use a combination — a countertop unit at the till and a portable or mobile terminal for everything else. The right mix comes down to how your customers reach the point of paying.

This article is general information for UK business owners and is not financial or legal advice. For guidance specific to your business, speak to the Ideal Merchant Service team on 020 8514 5898.

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