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Starting out: florists

Your First Card Machine for Florists: What to Get

For new florists, 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.

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What to start with: a terminal with its own sim

Pitches and events rarely have Wi-Fi you can trust. Flatpay's terminal comes with a SIM pre-installed, so it works wherever there is a mobile signal.

Your set-up checklist

  • Seasonal peaks (Valentine's Day, Mother's Day, Christmas)
  • Phone orders and deposits for weddings
  • Market and event stalls
  • A portable machine for deliveries

How Flatpay covers it

  • Portable terminal with 4G for stalls and deliveries
  • Flat rate on every card
  • POS for the counter, with the same rate for every card type

Worth checking first

  • Flatpay's £1,100 minimum monthly turnover is assessed over the year, which matters if your trade is seasonal
  • Phone and online deposits usually go through payment links or your website

Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.

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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. 1.Flatpay£715
  2. 2.Worldpay£720
  3. 3.Dojo£725
  4. 4.SumUp£836
  5. 5.Square£859
  6. 6.Zettle by PayPal£869
  7. 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 florists near you

Other new businesses

Questions

What card machine should new florists start with?

A terminal with its own SIM. Pitches and events rarely have Wi-Fi you can trust. Flatpay's terminal comes with a SIM pre-installed, so it works wherever there is a mobile signal.

Is Flatpay suitable for a seasonal florist?

Flatpay assesses its £1,100 monthly minimum card turnover over the year, according to its price list, which helps a seasonal business. Check your quieter months against it.

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 (flower shop)

Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.

Get my free quote

GetBrent 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.

Your First Card Machine for Florists: What to Get | GetBrent