Starting out: cycle shops
Your First Card Machine for Cycle shops: What to Get
For new cycle shops, start with a terminal that costs nothing upfront and has no monthly fee, such as Flatpay's at 1.49% on every card. One catch matters when you are new: Flatpay expects at least £1,100 a month in card takings (assessed over the year) or charges £39 a month. If you expect less than that at first, a pay-as-you-go reader from SumUp (£25) or Square (£19) can cost less until trade builds.
Get a free Flatpay quoteWhat to start with: a portable terminal
Flatpay's terminal is free upfront, has Wi-Fi and its own 4G SIM, prints receipts and takes tips. Most service businesses need nothing more on day one.
Your set-up checklist
- High-value bikes and e-bikes
- Workshop repairs
- Customers on reward cards
- Seasonal peaks
How Flatpay covers it
- The same rate for every card type
- POS with stock, workshop jobs and refunds
- Minimum turnover assessed over the year, which suits seasonal trade
- Daily payouts
Worth checking first
- Cycle-to-work scheme sales are invoiced to the scheme, not taken on the terminal
- Ask us to confirm American Express acceptance on your quote
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quotePremium, reward and overseas cards: no extra charge
Customers buying something expensive often pay on a reward credit card to collect points, and visitors pay on overseas cards. Many providers charge you more for those. Flatpay charges the same rate for every card type.
| Fee on a £5,000 payment on an overseas card | Cost to you |
|---|---|
| Flatpay | £74.50 |
| Zettle | £87.50 |
| Stripe Terminal (non-EEA card) | £145.10 |
| Square (non-UK card) | £185.00 |
- Flatpay: "You pay the same low rate for every card type." Its UK pages do not list which card networks it accepts, so American Express is confirmed on your quote. source
- Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. source
- Square: 1.75% on UK cards; 1.75% plus 1.95% on non-UK cards. source
- Stripe Terminal: 1.4% + 10p on EEA cards; 2.9% + 10p on non-EEA cards. source
- Zettle: the same 1.75% for major cards and wallets, "even American Express". source
What will card payments cost you in year one?
Fees on your card takings plus the cheapest terminal each provider sells. Published rates, checked 21 October 2026.
- 1.Flatpay£715
- 2.Worldpay£720
- 3.Dojo£725
- 4.SumUp£836
- 5.Square£859
- 6.Zettle by PayPal£869
- 7.Stripe Terminal£913
Flatpay includes its £39 monthly charge when takings are under its £1,100 minimum. Stripe includes 10p per payment. Optional monthly plans, VAT on hardware and providers with no published rate are left out. Your own quote may differ.
Card machines for cycle shops near you
- Card machines for cycle shops in Bournemouth
- Card machines for cycle shops in Ringwood
- Card machines for cycle shops in Verwood
- Card machines for cycle shops in Salisbury
Other new businesses
- First card machine for hairdressers
- First card machine for barbers
- First card machine for beauty salons
- First card machine for nail salons
- First card machine for cafes
- First card machine for gyms and fitness studios
- First card machine for independent shops
- First card machine for florists
- First card machine for garages and MOT centres
- First card machine for dog groomers
- First card machine for spas and wellness studios
- First card machine for jewellers
Questions
What card machine should new cycle shops start with?
A portable terminal. Flatpay's terminal is free upfront, has Wi-Fi and its own 4G SIM, prints receipts and takes tips. Most service businesses need nothing more on day one.
What card machine suits a bike shop?
One with no extra charge on premium cards for big bike sales, a POS for workshop jobs, and payouts daily.
More card machine guides
Sources, last checked 21 October 2026
Facts about Flatpay come from Flatpay's own website; to get a quote, use the form on this page.
flatpay.com (pricing), flatpay.com (pricelist), flatpay.com (terminal), flatpay.com (retail)
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quoteGetBrent is an independent UK directory. We work with Flatpay and may receive a fee if you sign up through this page; that does not change the facts shown, which come from each provider's own website or the regulator, checked 21 October 2026. Terms change, so check your own agreement.