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Choose how to take card payments without getting stung on fees

Customers keep asking "can I pay by card?" Compare the options for your kind of business (reader, payment links, online checkout) with the right questions about fees, payout times and contracts.

Updated 17 Oct 2026

The prompt · ChatGPT

Help me choose how to take card payments.

My business: [what you do and where you take payments: shop, van, online, invoices]
Typical payment sizes: [e.g. mostly small, some large]
Payments a month: [rough number and total value]
What I need: [reader, payment links, online checkout, invoices]
Providers I'm considering: [names, or leave blank]

First ask me up to 4 short questions. Wait for my answers.

Then:
1. Which ways of taking payment suit me, and why.
2. A comparison table to fill in from each provider's own pricing page: fees per payment, monthly fees, hardware, payout time, contract.
3. A formula for my monthly cost so I can compare like with like.
4. Ten questions to ask before signing up.
5. What to tell customers once it's set up.

Only use what I've told you, leave blanks for anything I haven't given, and don't invent facts or figures. UK English. Use providers' own pricing pages, not reviews. Not financial advice.

For each provider's own UK pricing page, use web search and name the page you used. If it doesn't search on its own, open View all tools and choose Search.

Stay in this ChatGPT chat. Do not turn on apps or connectors, and do not use memory from another chat.

A short example

Fill the blanks, then paste. what you do and where you take payments: shop, van, online, invoices: a short note you already have. e.g. mostly small, some large: a short note you already have. Leave the rest of the prompt as written.

This does not give tax advice. The books stay in the accounting system.

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