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Submitted URL: http://lloydsbankcardnet.com/
Effective URL: https://www.lloydsbank.com/business/take-payments-with-cardnet.html
Submission Tags: tag
Submission: On September 12 via api from GB — Scanned from GB

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 * Back

 * Business accounts Business accounts collapsed
   
   Products
   
    * View all business accounts
    * Accounts for small businesses
    * Accounts for larger businesses
    * Treasurer’s Account
    * School Account
    * Credit Union Account
    * Client accounts
    * Switch your business account
    * Business Debit Card
    * Business Cashpoint® Card
   
   Existing customers
   
    * Manage your account
    * Account access mandate variation
    * Other useful forms
    * Starting a business

 * Savings Savings collapsed
   
   Products
   
    * View all savings accounts
    * Instant Access Account
    * Fixed Term Deposit
    * Notice accounts
    * Client accounts
   
   Find out more
   
    * Existing customers
    * Savings Strategy Tool
    * Manage returns on your savings
    * Financial Services Compensation Scheme

 * Making payments Making payments collapsed
   
   Products
   
    * View all payment solutions
    * International payments
    * Bulk payments
    * Bacs Payments
    * Embedded Payments
   
   Existing customers
   
    * Faster payments

 * Take payments with Cardnet® Take payments with Cardnet® collapsed
   
   Products
   
    * Explore all taking payment options
    * Card readers
    * Online payments
    * Over the phone payments
    * Omnichannel payment gateway
   
   Existing customers
   
    * Log on to your reporting tool
    * Guides and resources
    * Cardnet help & support
   
   Find out more
   
    * Additional services
    * PCI DSS compliance

 * Accounting software Accounting software collapsed
   
   Products
   
    * View our accounting software
    * Trial it free for 3 months
   
   Existing customers
   
    * Log on to Business Finance Assistant
    * Get more from Business Finance Assistant

 * Credit and Charge Cards Credit and Charge Cards collapsed
   
   Products
   
    * Credit Card
    * Charge Card
    * Card solutions (£3m+ turnover)
    * View all borrowing options
   
   Existing customers
   
    * Debit Card
    * Cashpoint® Card
    * Lost or stolen cards
   
   Find out more
   
    * Accepting card payments – Cardnet®
    * Clicksafe®

 * Business Loans Business Loans collapsed
   
   Products
   
    * View all business loans
    * Small business loans
    * Commercial mortgages
    * Government-backed loans
    * View all borrowing options
   
   Find out more
   
    * How to get a business loan
    * Managing interest rate risk
    * Lending support and standards
    * Lending appeals

 * Asset Finance Asset Finance collapsed
   
   Products
   
    * View all asset finance products
    * Business Car Finance
    * Business Van Finance
    * Business Vehicle Finance
    * Business Equipment Finance
    * Business Hire Purchase
    * Green Asset Finance
    * Vehicle Contract Hire
    * View all borrowing options
   
   Find out more
   
    * Apply or enquire about Asset Finance

 * Overdrafts Overdrafts collapsed
   
   Products
   
    * Business Overdraft
    * View all borrowing options
   
   Find out more
   
    * Financial application checklist
    * Lending support and standards
    * Lending appeals

 * Invoice Finance Invoice Finance collapsed
   
   Products
   
    * View all invoice finance products
    * Selective Invoice Finance
    * Invoice Factoring
    * Invoice Discounting
    * Enquire for Invoice Finance
    * View all borrowing options
   
   Existing customers
   
    * Existing customer login
    * Debtor Protection
    * Asset Based Lending

 * International trade International trade collapsed
   
   Products
   
    * View all international trade products
    * Import and export products
    * International payments
    * Foreign exchange
    * Foreign Currency Account
   
   Find out more
   
    * International Trade Portal
    * Manage international trade risk
    * Trading overseas guides
    * International rates and charges

 * Insurance Insurance collapsed
   
   Products
   
    * View all business insurance products
    * Public Liability Insurance
    * Landlord Insurance
    * Professional Indemnity Insurance
    * Shop Insurance
   
   Existing customers
   
    * Contact us
   
   Find out more
   
    * Help me choose
    * Business Insurance guides
    * Retrieve an insurance quote

 * Sustainability Sustainability collapsed
   
   Financing a sustainable future
   
    * View all sustainable business solutions
    * Clean growth financing
    * Energy-efficiency tool
    * Lex Autolease® electric vehicles
   
   Find out more
   
    * Sustainable business insights
    * Sustainability Voices: Valuable Insights & Expert Opinion

 * Working capital Working capital collapsed
   
   Managing operating finance
   
    * View all working capital solutions
    * Release funds against assets
    * Trade and working capital solutions
    * Supplier finance
    * Overdrafts
    * Corporate card solutions
   
   
 * Financing Financing collapsed
   
   Funding growth
   
    * View all financing solutions
    * Lending
    * Clean Growth Financing Initiative
    * Capital Markets
    * Corporate Asset Finance
    * Fleet Finance – Lex Autolease®
    * Private Equity
   
   Specialist finance teams
   
    * Our specialist finance teams

 * Liquidity & accounts Liquidity & accounts collapsed
   
   Cash deposits & liquidity management
   
    * View all liquidity solutions
    * Fixed Term Deposit
    * Corporate Instant Access Account
    * Notice Accounts
    * Pooling and Sweeping
    * Monthly Bonus Account
   
   
 * Payments Payments collapsed
   
   Payments
   
    * View all payment solutions
    * Domestic Payments
    * International payments
    * Online services and Embedded Payments
    * Payment Services for Financial Institutions
   
   
 * Risk management Risk management collapsed
   
   Managing business risk
   
    * View all risk management solutions
    * Managing the cost of borrowing
    * Managing currency fluctuations
    * Managing price moves
    * Trade risk
    * Debtor Protection
    * Financial risk advisory
    * Corporate cards
   
   
 * Corporate cards
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 * Take payments with Cardnet
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Take payments with Cardnet


TAKE PAYMENTS WITH CARDNET

From small independents to large corporations, we have a payment solution to
suit every business need.

Apply now Apply for our payment solutions




TAILORED PRICING, SPECIFIC TO YOUR BUSINESS

Tailored pricing, specific to your business


TRACK YOUR FINANCES AND GAIN CUSTOMER INSIGHT

Track your finances and gain customer insight


SPECIALIST UK-BASED SUPPORT TEAM*

Specialist UK-based support team*

*Available 8am – 9pm Monday to Saturday


HOW DO YOU WANT TO TAKE PAYMENTS?


CARD READERS

For businesses that need to take payments face to face at the till, at a table
or away from their premises.
 

Card readers


ONLINE

For businesses who rely on taking payments through their website or other
digital channels, including pay by link.

Online payments


OVER THE PHONE

For businesses who need a secure way to take payments when a cardholder is not
present.
 

Over-the-phone payments


NEED A CONNECTED PAYMENT SOLUTION?

If your business accepts payments through multiple channels, our omnichannel
payment gateway joins together transactions made online, in person or over the
phone into one single solution, allowing you to manage everything from one place
whilst giving your customers a connected experience.

Omnichannel solution


ONLINE QUOTATION TOOL: FEES AND CHARGES

Online quotation tool: Fees and charges

Find out how much it might cost to take card payments with Lloyds Bank Cardnet.

Get a quote

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WHY CHOOSE LLOYDS BANK CARDNET®?

Small_tick


TECHNOLOGY YOU CAN TRUST

The Lloyds Bank Cardnet payment system has up to 99% uptime*. So, you won’t
leave your customers waiting.

Grey_Tick


KEEP CUSTOMER DATA SAFE

Secure data processing and fully PCI compliant payment devices.

Small_tick


SPECIALIST SUPPORT

Our specialist UK-based support team are available 8am – 9pm Monday to Saturday.

Pound_icon


SUPPORT WITH SWITCHING FEES

Support with switching fees

We can discuss helping with any exit fees if you’re already with another
provider.

Enquire or apply



NEW TO CARD PAYMENTS

If you’re new to card payments, there’s a few things you’ll want to know, from
understanding how they work, to what you might need before you start.

Learn about card payments


MORE WAYS CARDNET CAN SUPPORT YOUR BUSINESS


MERCHANT CASH ADVANCE

Turn your future card sales into a cash advance from £2,500 to £500,000 that you
only pay when your customers pay you.

Merchant Cash Advance


PCI DSS COMPLIANCE

Complying with the latest industry security standards will help safeguard your
customers and your business against theft and fraud.

PCI DSS compliance


FREQUENTLY ASKED QUESTIONS

 * Do I have to bank with you to use Cardnet? expandable section
   
   You don’t have to be a customer of Lloyds Bank or Bank of Scotland to use
   Cardnet. We assess each business individually to ensure you receive the right
   product and service, whether you’re a small but established business, a large
   corporation or just starting out.

 * How much does it cost to take payments? expandable section
   
   No two businesses are the same. We therefore work with you to ensure you get
   the right service to suit your budget. The cost for secure payment services
   varies across product and transactional fees that apply to each payment
   received. It will depend on factors such as your card turnover, how you want
   to take payments and the product options you select. You will see a breakdown
   of your rates and charges before you sign up, so you fully understand what
   you’re agreeing to before you start.

 * What is Point of Sale? expandable section
   
   A point of sale (POS) is quite literally a location or system where a
   customer exchanges money for goods and services. A point-of-sale system
   allows a business to accept and process secure payments from customers and
   keep track of sales. A modern POS system is usually either digital, where a
   transaction may occur virtually online or over the phone, or a form of card
   terminal that’s either fixed or portable, or a combination of the two.
   
   A POS system should allow your business to:
   
    * Calculate the total amount owed for any given sale
      
    * Accept payment by cash, card or virtually 
    * Issue an electronic or printed  receipt
    * Record the details of the transaction
   
   Today’s POS systems have additional features such as the ability to manage
   inventory, create reports that detail trend and customer habits, as well as
   connect to other supporting software to help bring multiple customer
   transaction outlets into one system.

 * What types of card does Cardnet accept? expandable section
   
   Our product range accept all major credit and debit cards as well as digital
   wallets as payment, including Mastercard, VISA, American Express, Discover
   Global Network and Diners Club International, Apple Pay, Google Pay and
   Samsung Pay.

 * What is PCI DSS? expandable section
   
   Payment Card Industry Data Security Standards (PCI DSS) is a set of industry
   standards designed to ensure merchants store and process cardholder data
   securely. Any business that deals with payment processing is required to meet
   these standards and keep financial data secure as well as cardholders
   protected from fraud.
   
   Find out more about PCI DSS

 * What is Strong Customer Authentication? expandable section
   
   From 14th March 2022 a greater level of authentication was introduced for
   online payments. Here are some useful documents we’ve developed to remind you
   of the process.
    
   
    * SCA FAQ document (PDF, 151KB)
    * Visa merchant bulletin (PDF, 612KB)
    * EMV 3D Secure information (PDF, 2.87MB)



Cardnet® is a registered trademark of Lloyds Bank plc.

©2023 The Clover trademark and logo are owned by Clover Network, Inc. a Fiserv,
Inc. company. All Rights Reserved. All trademarks, service marks, and trade
names referenced in this material are the property of their respective owners.


IMPORTANT LEGAL INFORMATION

Cardnet® is a registered trademark of Lloyds Bank plc.

We may monitor or record calls to make sure we have carried out your
instructions correctly and to help improve the quality of our service.

Please remember we cannot guarantee the security of messages sent by email.

Lloyds Bank plc and Bank of Scotland plc (member of Lloyds Banking Group) are
authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority.

Authorisation can be checked on the Financial Services Register at
www.fca.org.uk

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