Elavon card machine review UK: so-so service that could be cheaper (2022)

  • Elavon card machine review UK: so-so service that could be cheaper (1)

By Emily Sorensen|2022-06-07T13:36:22+01:00November 10th, 2021|Tags: Elavon|

Our rating(3.6/5)

Elavon rents out card machines, but are packages beneficial for small businesses?

Elavon is a large, international merchant service provider and acquirer. In the UK, you can rent or lease their card terminals, but costs and contractual commitment may be too much for a small business.

  • Highs: Good card machine selection. 24/7 support. Merchant portal. Online payment options. Next-day payout option.
  • Lows: Contract lock-in. Fees can be high for small businesses. Not transparent about pricing. Customer support issues.
  • Choose if: You want a full card payment package from the same provider and consistently have a high sales volume.

Overview

What is Elavon?
Card machines
Pricing and contract
Online payments
Support and reviews
Verdict

To Elavon site

What is Elavon?

Elavon is a decades-old, global merchant service provider and acquirer serving UK merchants. It operates as Elavon for its in-person payment solutions and Opayo for its online payment platform.

The company offers the following products and services catering to any size business in most sectors:

  • Card machines
  • Online payment gateway (Opayo)
  • Payments over the phone (Opayo)
  • Merchant account for card processing

Elavon’s card machines are rented or purchased together with an Elavon merchant account, which includes acceptance of Visa, Mastercard and other cards depending on your contract.

How we rated Elavon

Mobile Transaction rates card machines – including Elavon’s – according to six key criteria: product, pricing, transparency and sign-up, value-added features, reviews and support, and contract.

Each criteria gets a score ranging between 1 and 5, resulting in one overall star rating reflecting Elavon’s value for a small business.

A card machine’s primary function is to take card payments in person, so the device quality and experience of payment acceptance have a higher weighting – this falls under the product criteria.

We have thoroughly researched and analysed Elavon’s card machines and company as a wider service to establish scores for all rating categories.

(Video) Elavon - Payment Processing Solutions

Elavon card machines

Elavon has a good selection of card machines, each with special strengths.

Two of them are Ingenico models (Move 5000 and Desk 5000) with a traditional look and touchscreen above a physical PIN pad. They use a Telium Tetra operating system with options for pre-authorisation of transactions (great for car hires and hotels), Dynamic Currency Conversion and displaying your company logo on the screen.

The two Poynt models don’t have a physical PIN pad, instead showing all functions and keys on large touchscreens. They also allow payments in a foreign currency, gift card acceptance and much more through their app selection on the terminals.

All the card machines accept contactless and chip and PIN cards from all the major card brands.

Tetra Desk 5000 (Ingenico)

  • Fixed-location card machine with separate PIN terminal (optional)

  • POS integration through Smartlink

  • Colour 3.5” touchscreen and physical keypad

  • Built-in receipt printer

  • 3G, WiFi or Bluetooth connectivity

  • 169 x 78 x 57 mm, 302 g

Tetra Move 5000 (Ingenico)

  • Wireless, mobile card machine

  • POS integration through Smartlink

  • Colour 3.5” touchscreen and physical keypad

  • Built-in receipt printer

  • 3G, WiFi or Bluetooth connectivity

  • 187 x 82 x 68 mm, 340 g

Elavon card machine review UK: so-so service that could be cheaper (3)

Tetra Move/5000 in charging cradle. Photo: Elavon

(Video) Authorising, Clearing and Settlement

Poynt P5

  • Handheld, portable smart POS terminal

  • Includes Talech POS software and optional apps

  • Colour 5″ touchscreen and built-in receipt printer

  • Rear camera for barcode scanning

  • 3G, LTE and WiFi connectivity

  • 76.3 x 154 x 25.4 mm, 201.6g

Elavon card machine review UK: so-so service that could be cheaper (4)

Front- and side-facing Poynt P5 terminals. Photo: Elavon

Poynt P61B

  • Portable smart POS terminal for counter and around premises

  • Includes Talech POS software and optional apps

  • 7″ main and 4.3″ customer-facing touchscreen display

  • Built-in receipt printer

  • WiFi and Bluetooth connectivity

  • 120.7, x 250.5 x 91.4 mm, 700 g

Elavon card machine review UK: so-so service that could be cheaper (5)

Poynt P61B is a portable POS terminal. Photo: Elavon

MobileMerchant

  • Pocket-sized mobile card reader

    (Video) How to make a refund on your card machine

  • Works with Android or iOS app on a smartphone or tablet

  • Bluetooth connectivity to mobile device that connects to the internet

  • Small LCD display and physical keypad

  • 69 x 110 x 17 mm, 123 g

  • Cannot print receipts

Elavon card machine review UK: so-so service that could be cheaper (6)

MobileMerchant card reader needs an app. Photo: Elavon

The MobileMerchant card reader is very lightweight and small, but then it only works in conjunction with a payment app on your iPhone, iPad or Android device. It doesn’t have a printer either, in contrast with all the other card machines above – nor can it connect with an external receipt printer. MobileMerchant is therefore better suited for causal payments on the go.

It’s possible to use any of these card machines independently of an EPOS system, but the Ingenico terminals can integrate with POS systems through the Smartlink connector software. The Poynt terminals use Talech POS software, which can be expanded through Elavon’s full point of sale solutions.

Looking for popular card machines?

Compare best card terminals for small businesses

Pricing and contract lock-in

Elavon’s pricing is not detailed on its website, except for MobileMerchant’s simple card reader costs and the monthly fee per card machine.

In general, every merchant goes through a negotiation stage where an Elavon sales rep asks about your sales turnover, type of business and the sort of setup you need. A quote will then be provided with transaction charges, monthly and other costs.

The Tetra and Poynt terminals can be rented for a monthly fee of £15-£40 per terminal with a contract of 1-3 years. Elavon processes the debit and credit cards through your own dedicated merchant account with its own monthly fee from £10.

Some websites claim there is no early termination fee despite the guise of a lock-in, but some users complain of a charge of several hundreds of pounds when they try to cancel. Even if you were promised a lack of termination charges, it could still take months to cancel your contract so you end up paying more than expected.

Elavon pricing
Contract1-3 years
Setup feeFrom £25
Merchant accountFrom £10/mo
Card machine rentalTetra Desk 5000: £15/mo
Tetra Move 5000: £18/mo
Poynt P5: £24/mo
Poynt P61B: £40/mo
Chip and tap transaction fees0.99%-3.75% + fixed fee (custom)
Monthly minimum processing feeFrom £15/mo
Paper statementsFrom £3 each
Early termination fee£0 to several £100s (depends on plan)
ChargebacksFrom £25 each
PCI-DSS complianceMonthly and annual fees apply
Elavon
pricing
Contract1-3 years
Setup feeFrom £25
Merchant accountFrom £10/mo
Card machine rentalTetra Desk 5000: £15/mo
Tetra Move 5000: £18/mo
Poynt P5: £24/mo
Poynt P61B: £40/mo
Chip and tap transaction fees0.99%-3.75% + fixed fee (custom)
Monthly minimum processing feeFrom £15/mo
Paper statementsFrom £3 each
Early termination fee£0 to several £100s (depends on plan)
ChargebacksFrom £25 each
PCI-DSS complianceMonthly and annual fees apply

Transaction fees depend on your estimated business turnover, type of business and card type. Most Elavon card machines advertise fees from 0.99%-1% for chip and PIN or contactless payments, but the reality is more likely between 2%-3.75%, according to some reports. A fixed transaction fee in the region of 10p-20p is also applied to all transactions.

Additional costs apply to American Express acceptance, should you choose this option. Keyed transactions cost more than in-person payments, and then you pay a monthly fee for the online payment method being used.

(Video) What is Merchant Services? - Selling Payment Processing

You can expect many extra fees in your account, which may not all be communicated at sign-up. There will be annual and/or monthly charges for PCI-DSS compliance, SIM card charges for 3G connectivity and a minimum monthly service charge if an agreed minimum in card processing fees was not reached that month.

Monthly paper statements with an account summary cost at least £3 each, but you can opt to view these details for free in an online portal to avoid this. Chargebacks incur an admin fee of at least £25, and there may also be charges for things like card authorisations, terminal installations and refunds.

Standard payouts that take several working days are free, but there is an option to settle card payments in your bank account the following day (probably for an extra cost).

Don’t want a long-term contract? The MobileMerchant reader is purchased upfront for £29 + VAT without subsequent fixed monthly fees. Transaction fees are also fixed from 1.75%. Given the lack of commitment and miscellaneous costs associated with MobileMerchant, it is the least intimidating card payment service from Elavon.

Image: Elavon

Elavon card machine review UK: so-so service that could be cheaper (8)

Elavon’s card machines can be integrated with a full POS system.

Online payments

Apart from card machines, Elavon offers options for online payments under the name of Opayo (previously Sage Pay). This includes:

  • Online payment gateway (for your ecommerce site)
  • Virtual terminal (for telephone payments)
  • Pay-by-link (for email invoices and other remote payments)
  • Recurring payments (for subscriptions and billing)

These have different costs such as a setup fee from £49, transaction fees from 1.5%, and there’s a pay-as-you-go option if you would rather avoid a monthly fee of £25.

Image: Elavon

Elavon card machine review UK: so-so service that could be cheaper (9)

Opayo’s merchant portal shows card machine payments too.

Opayo also allows you to accept digital wallets, local payment methods and bank transfers online. You can customise the online checkout page, which can be integrated on select ecommerce platforms like WooCommerce and BigCommerce.

The online portal – where you manage all these features – incorporates your card machine transactions too, allowing you to track these from any browser.

Reviews and customer support

A good thing about Elavon is its 24/7 customer support available to all its merchants. You can contact Elavon by telephone and email, though emails can take some days to get a reply for. You get a dedicated account manager, but this does not guarantee prompt responses.

Elavon reviews from users are a mixed bag. We’ve seen similar complaints from users including:

  • Unexpected fees and billing issues
  • Equipment not turning up
  • Poor customer support when trying to resolve issues
  • Unknowingly getting locked into a contract with a cancellation fee

Given that Elavon is one of the largest payment processors in Europe (with over 1 million businesses signed up), it is normal to receive a fair share of complaints. What we don’t like to see, however, is the reports on lack of customer support. You can sometimes wait a long time to get help for urgent, technological issues.

Verdict: better for stable, high-volume businesses

At a first glance, Elavon looks like a decent provider of high-quality card machines to suit any environment. But a closer look reveals many costs that not all small businesses can afford. Add to that the lack of transparency around early terminations of contracts, and it may be too much hassle.

That being said, it’s unlikely you’ll lack any features relating to payments, whether online or in person. With little extras like an integrated gift card solution, POS software and an online portal to track transactions (something Barclaycard Business doesn’t offer), you’ll probably get it all through Elavon.

Features aside, Elavon is a better choice for high-volume merchants looking for a long-term card payment solution than a new startup with uncertain prospects. Lower transaction fees for small businesses are available through Worldpay and other card machine solutions.

(Video) How to make a transaction on your card machine

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FAQs

What is Elavon service fee? ›

Service fees are a way for certain identified types of merchants to control costs associated with accepting card payments. Service fees can be leveraged on all payments, not just credit cards. Plus, service fees can be implemented in card-present and card-not-present environments, not just one or the other.

Can I trust Elavon? ›

Your trusted payment solutions partner

Elavon is consistently rated among the top global payment providers, with more than two million customers trusting us for payment processing.

How does Elavon make money? ›

Elavon works with independent sales organizations. These are businesses that sell the company's products but aren't actually employed by the company. The organizations typically work on commission and may charge more or have different or confusing terms.

Which is best Card Reader UK? ›

Read up on the five best card readers in the UK – and mobilise your business
Card readerReader priceTransaction fee
Square£29 (excl. VAT)1.75%
PayPal Here£45 (excl. VAT)1 – 2.75%
Barclaycard Anywhere£29 (excl. VAT)/td>1.6%
Worldpay reader£39.99 (incl. VAT)1.95 – 2.75%
2 more rows
16 Mar 2021

How much does Ingenico charge per transaction? ›

Cost Summary
Swiped Rate1.00% - 4.99%
Keyed-in Rate1.00% - 4.99%
Payment Gateway FeeUndisclosed
Early Termination FeeUndisclosed
PCI Compliance FeeUndisclosed
1 more row
20 May 2022

Is elavon a gateway or processor? ›

Elavon can be your payment gateway provider

Converge is a leading payment gateway for processing payments quickly and securely, whether in-person, online, or on-the-go. Accept a full range of payment types.

How long is elavon contract? ›

Contract Length and Termination Fees

Elavon's standard contract is still set at 3 years and while early termination does not result in a fine, it may take several months for the company to actually process your termination request.

Who is Elavon Merchant Services? ›

Elavon Inc., formerly NOVA, is a processor of credit card transactions and a subsidiary of U.S. Bancorp. Elavon offers merchant processing in more than 30 countries and supports the payment needs of more than 1,000,000 merchant locations across the globe.

Who are Elavon competitors? ›

Elavon competitors include Heartland, Global Payments, FIS and Upserve.

Is Elavon part of global payments? ›

Results were generated by 23 employees and customers of Elavon and 75 employees and customers of Global Payments. Elavon's brand is ranked #- in the list of Global Top 1000 Brands, as rated by customers of Elavon. Their current valuation is $83.89B.
...
Elavon vs Global Payments.
14%Promoters
71%Detractors
1 more row

How many customers does Elavon have? ›

With more than 2 million customers in over 36 countries, Elavon is consistently rated among the top five global payment providers in the world.

Which credit card machine is the best? ›

10 Best Credit Card Machines and Terminals for Small Businesses
  • Clover Flex: Best overall.
  • Square Stand: Best value for money.
  • SumUp Plus: Best low-cost option.
  • Clover Station Duo: Best option with 2 screens.
  • Payanywhere Smart Terminal: Best option to print receipts.
  • PayPal Zettle: Best for QR code payments.
28 Mar 2022

Can I get a card machine for small business? ›

Mobile credit card machines offer plenty of other benefits for small businesses, too. For one, they're super simple. You'll pay just a single fee to purchase your card reader, rather than renting it on a monthly basis (as is the case with most countertop and portable card machines).

How much do card readers cost? ›

Credit card readers comparison table
ReaderStyleCost
Square Contactless & Chip ReaderBluetooth.$49 (reader); $29 (dock).
Clover GoBluetooth.$49.
PayPal ZettleBluetooth.$29 (1st one). $79 (add'l).
SumUp PlusBluetooth.$35.
9 more rows
12 Aug 2022

How much does a credit card machine cost per month? ›

Typical Costs for Credit Card Processing
Payment ProcessorSwiped Transaction FeeMonthly Fee
HelcimBase costs + 0.37% + $0.08$0
National ProcessingBase costs + 0.14% + $0.07$9.95
PaylineBase costs + 0.20% + $0.10$10 (retail); $20 (online)
19 Aug 2022

Is it illegal to charge card payments UK? ›

Consumers are entitled to seek redress if asked for a payment surcharge that is banned or is more than allowed by the Regulations. If the fee has not yet been paid, then the trader cannot make the consumer pay it; if it has been paid, it must be refunded. The consumer can take legal action to recover their money.

Can you charge to use a card machine? ›

Credit and debit card surcharges are now illegal, but you might still have to pay. It's now illegal to charge an additional fee for paying by credit or debit card, but some companies have already found a way to keep charging customers.

Is Elavon a payment gateway? ›

Elavon payment gateways provide flexible options to authorize payments online, in-person, and via mobile.

What is Converge Elavon? ›

Converge is a hosted payment gateway solution that allows businesses of all types to prioritize payment security and accept payments securely and quickly wherever they take place. Accept everything from debit and credit cards to PayPal, electronic checks, and digital wallets.

What is Fusebox Elavon? ›

Fusebox® is Elavon's secure, flexible, hosted payment gateway. It provides a single interface for delivering payments securely across all business locations to any choice of payment processors.

How do I cancel my Elavon merchant account? ›

Elavon (Canada) - 1.866. 310.3345.
...
Closing your Booker software and merchant acccounts
  1. WorldPay (formerly Vantiv): 800-846-4472.
  2. 3C Payments (formerly Sixcard): 888-336-7778.
  3. Integrity: 888-477-4510.
  4. Sublyme: 888-477-4510.
  5. Clover: 1(800) 795-8598.

Is elavon First Data? ›

In the Payments Processing category, with 7085 customers First Data stands at 11th place by ranking, while Elavon with 1311 customers, is at the 27th place.
...
Comparing the customer bases of First Data and Elavon.
customerscount
First Data7,085
Elavon1,311
31 Aug 2022

Is WorldPay safe to use? ›

Worldpay has been accredited by the BBB since 2010 and currently has a C- rating. It's normally quite unusual for a BBB-accredited company to have anything less than an A rating.

Is Elavon and converge the same company? ›

Converge® is Elavon's payments processing solution for eCommerce, card present, and card not present payments.

What is Authnet gateway billing? ›

Authorize.net is a type of payment gateway, or gateway for short. A payment gateway is the online-equivalent of a credit card terminal. The payment gateways' job is to encrypt, and then securely authorize a credit card transaction.

What is EMS payment? ›

EMS is a leading payment gateway and merchant services provider. EMS products and services include: Visa, MasterCard, Discover and American Express payment processing. Payment Gateway.

Is Elavon a merchant? ›

Elavon is a merchant services provider with more than 30 years of experience operating under one of the largest banks in the country, U.S. Bank. The company works with businesses of all sizes, featuring hardware and software solutions for in-person transactions, contactless options and online transactions.

Where is Elavon headquarters located? ›

What is a merchant service account? ›

What is a merchant account? A merchant account establishes a relationship between a business and a merchant services provider, like a bank. This agreement allows a business to accept credit cards and debit cards, along with other forms of payment. Not all merchant services providers require a merchant account.

Is Elavon a SaaS company? ›

“Our vision of becoming a great SaaS company for customers and colleagues alike means we will continue to focus on serving small and medium sized customers with subscription software solutions for Accounting & Financials and People & Payroll,” said Steve Hare, Sage's CEO, in a statement.

Is Sage pay the same as PayPal? ›

Unlike PayPal, the checkout information is sent from our website to SagePay in an encrypted form so it cannot be altered to provide false prices. And when an order is confirmed, the user is sent back to our website so that we can process the order fully.

How do I accept a worldwide payment? ›

5 Smart Ways to Receive International Payments
  1. A Multi-Currency Account.
  2. Online Payment Gateways.
  3. PayPal.
  4. A Bank Transfer Minus the Bank.
  5. Bitcoin.

Where is Elevon located? ›

Elevons are installed on each side of the aircraft at the trailing edge of the wing.

Does Elavon accept American Express? ›

Elavon announced today that it has launched a more integrated payment approach for public sector entities, including local and state government agencies, to accept American Express® Cards.

Who is Helcim? ›

What Is Helcim? Helcim is a North America-based company founded in 2006 with offices in Calgary and Seattle. The company offers a range of transaction-processing options and supports invoicing, recurring payments, and international credit card processing.

Which is the best swipe machine for small business? ›

Best POS Systems of 2022
  • eHopper POS: Best for Omnichannel Businesses.
  • Lightspeed POS: Best for Customer Loyalty.
  • Clover: Best for Integrations.
  • Square POS: Best for Businesses on a Budget.
  • Toast: Best for Restaurants.
  • Shopify POS: Best for Retail Businesses.
  • KORONA POS: Best for No Transaction Fees.
20 Sept 2022

How do merchant services make money? ›

How to Make Money Selling Merchant Services - YouTube

How much does clover charge per transaction? ›

Clover deciding factors

For in-person payments: 2.3% plus 10 cents per transaction or 2.6% plus 10 cents per transaction, depending on the plan. For online payments: 3.5% plus 10 cents per transaction.

Can I have a card machine without a business account? ›

If you think about whether it is possible to take card payments without a merchant account, the answer is "yes”. Put simply, business owners can accept card payments without a merchant account. That means they don't need a merchant account, which is unique to their business.

Can I buy my own card machine? ›

Buying a card machine

One of the main advantages is that once you have paid for the device, it's yours. No ongoing charges other than payment transactions. If you scratch or dent the device through wear and tear, you're not liable to have to repair or replace the device if it is still funtional and usable.

How much does SumUp charge per transaction? ›

Processing Fees

You're only charged a transaction fee of 2.75% per in-person card payment, which is automatically deducted before the funds are transferred to your bank account. The Virtual Terminal transaction fee is 3.25% + $0.15.

What are Square fees? ›

What are your fees? The Square standard processing fee is 2.6% + 10¢ for contactless payments, swiped or inserted chip cards, and swiped magstripe cards. Payments that are manually keyed-in, processed using Card on File, or manually entered using Virtual Terminal have a 3.5% + 15¢ fee.

Is the Square reader free? ›

Square offers a free magstripe reader to all new merchants, and it's only $10 to buy full price if you need more. The reader comes with a lightning port connector or a 3.5mm headphone jack.

Is Square worth it for small business? ›

Square is our pick as the best credit card processor for small businesses in 2021. It has good rates, uses the flat-rate pricing model, and doesn't charge any monthly or annual fees for its basic processing service.

Who is Elavon merchant Services? ›

Elavon Inc., formerly NOVA, is a processor of credit card transactions and a subsidiary of U.S. Bancorp. Elavon offers merchant processing in more than 30 countries and supports the payment needs of more than 1,000,000 merchant locations across the globe.

Does elavon accept American Express? ›

Elavon announced today that it has launched a more integrated payment approach for public sector entities, including local and state government agencies, to accept American Express® Cards.

Can you pay with a credit card at Secretary of State Michigan? ›

Secretary of State offices will accept: Cash. Check or money order payable to “State of Michigan” Credit or debit cards (American Express, Discover, MasterCard or Visa)

Who are Elavon competitors? ›

Elavon competitors include Heartland, Global Payments, FIS and Upserve.

How long is Elavon contract? ›

Contract Length and Termination Fees

Elavon's standard contract is still set at 3 years and while early termination does not result in a fine, it may take several months for the company to actually process your termination request.

What is Elavon converge? ›

Converge is a hosted payment gateway solution that allows businesses of all types to prioritize payment security and accept payments securely and quickly wherever they take place. Accept everything from debit and credit cards to PayPal, electronic checks, and digital wallets.

Is Elavon and converge the same company? ›

Converge® is Elavon's payments processing solution for eCommerce, card present, and card not present payments.

What is a merchant service account? ›

What is a merchant account? A merchant account establishes a relationship between a business and a merchant services provider, like a bank. This agreement allows a business to accept credit cards and debit cards, along with other forms of payment. Not all merchant services providers require a merchant account.

What states is it illegal to charge extra for debit card? ›

Eleven states—California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas—and Puerto Rico have laws that prohibit merchants from charging consumers with surcharges on credit card transactions.

How do I pay SOS? ›

Payment Methods
  1. Credit Card (American Express, Discover, MasterCard, or Visa. Credit card payments are subject to an additional statutory convenience fee of 2.7% of amount charged)
  2. Check (personal or business)
  3. Money order.
  4. Cash.
  5. LegalEase® (A deposit account system administered by Frost Bank)

What can you do at a Michigan Secretary of State kiosk? ›

New transactions offered at self-service stations include: Renew a standard or enhanced driver's license or state ID if no new photo is required. Request a replacement and print out a temporary license or ID. Add a motorcycle endorsement to an eligible driver's license.

Videos

1. Worldpay, Elavon, Square, iZettle, Barclaycard – what's the difference between payment processors?
(served with)
2. Elavon Connect
(Elavon Europe)
3. How to connect your card machine to WiFi, 3G or Bluetooth
(Elavon Europe)
4. Reprint your ‘End of Day’ or EOD report
(Elavon Europe)
5. Paul Dunne Head of Sales & Partner Channels Ireland Elavon
(Premier Publishing & Events)
6. Best Credit Card Processing Companies: Top 7 Merchant Services
(Merchant Maverick)

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