Choosing the Right PAX Chip and Pin Terminal for Your Business

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

PAX Chip and Pin Terminals

Navigating the world of card machines can be overwhelming, with technical jargon and a plethora of options to consider. Choosing the right chip and pin terminal for your business involves understanding the features, functionality, and compatibility with your merchant account. In this guide, we’ll shed light on PAX chip and pin terminals, focusing on their offerings and helping you make an informed decision.

Understanding Different Names for Credit Card Machines

Credit card machines go by various names, such as PDQ machines (processing data quickly), credit card machines, chip and pin, and card machines. These terms are interchangeable, so don’t get confused—they all refer to the same essential device.

Key Providers in the UK and Europe

Major players in the PDQ machine market include PAX, Ingenico, Verifone, and Castle Technology. While these are prominent names, the market continually evolves with the introduction of new brands. In this article, our focus is on PAX, and we’ll compare three of their most widely used wireless card machines.

PAX A920 MAX: Unleashing Enhanced Connectivity and Performance

Elevate your payment processing experience with the PAX A920 MAX, a cutting-edge device designed to redefine connectivity and performance standards. With the integration of 5.0 WiFi and Bluetooth, the MAX ensures that you stay seamlessly connected in every possible way.


Key Features of the PAX A920 MAX:


Next-Level Connectivity:

The A920 MAX introduces accelerated connectivity with 5.0 WiFi and Bluetooth, taking your device performance to new heights. This advancement ensures a more robust and efficient connection for various applications.


Swift Installation:

With 5.0 WiFi and Bluetooth, the A920 MAX delivers a 40% faster installation speed compared to its predecessor, the A920. This swift installation process enhances efficiency, saving valuable time for businesses.


Rapid Reading Speeds:

Experience a remarkable 216% faster reading speed with the A920 MAX. This improvement enhances the overall transaction process, ensuring quick and reliable readings for seamless customer interactions.


High-Resolution Imaging:

Capture the details that matter with the A920 MAX’s 13MP rear camera equipped with wide-angle optics. Whether scanning QR code payments, coupons, or product images, the high-resolution camera ensures clarity and precision in every shot.


Professional Scanner Option:

The A920 MAX goes beyond the standard with the option to add a professional scanner. This feature expands the device’s capabilities, allowing you to efficiently scan QR code payments, coupons, and product images with unparalleled accuracy.


WiFi 5.0 Advantages:

The A920 MAX’s 5.0 WiFi is six times faster than its predecessor, providing a significant boost in data transfer speeds. This ensures a swift and reliable connection, crucial for smooth transaction processing.


Bluetooth 5.0 Stability:

With Bluetooth 5.0, the A920 MAX delivers a smooth and stable connection. This upgraded Bluetooth version enhances connectivity reliability, ensuring uninterrupted communication with other devices.


MAX Performance with Android 10.0:

The A920 MAX accelerates performance across workloads with the Android 10.0 operating system. Upgraded with a faster processor, the device guarantees a smoother and more reliable experience, regardless of the number or type of applications in use.

In summary, the PAX A920 MAX is not just a device; it’s a leap forward in connectivity and performance. With advanced features, high-resolution imaging, and the flexibility to add a professional scanner, the A920 MAX is poised to redefine your payment processing experience. Trust in its capabilities to deliver unmatched efficiency and reliability in every transaction.


PAX A8700: Elevating User Experience and Versatility

The PAX A8700 stands out as a powerhouse in the realm of chip and pin terminals, offering an unparalleled user interface and versatile functionality to cater to diverse business needs.


Key Features of the PAX A8700:


Large 7-Inch Touch Screen:

The A8700 boasts a spacious 7-inch touch screen, providing merchants with an excellent user interface. This modern display enhances the overall experience for both merchants and customers.

Modern Software Apps:

The large touch screen is optimized for modern-looking software apps, ensuring a seamless and visually appealing interaction. This feature is particularly valuable for businesses looking to enhance their point-of-sale systems.

Retail Staff Convenience:

Retail staff benefit from the enhanced user interface, making it much easier to navigate menus, select products or services, and input transaction data. The intuitive design contributes to increased efficiency in day-to-day operations.

PIN on Glass Certification:

The 4-inch touch screen display is certified for PIN on Glass entry, adding an extra layer o

security to transactions. This feature ensures a secure and compliant method for customers to input their PIN information directly on the glass surface.

Electronic Signature Capability:

The 4-inch touch screen is not only certified for PIN on Glass but also supports electronic signatures. This dual functionality provides flexibility in transaction processes, catering to various payment preferences.

Strategic Chip Card Reader Placement:

The chip card reader is strategically positioned right in front of the customer, ensuring a convenient and accessible location. This design choice prioritises a seamless customer experience during transactions.

Versatile Card Compatibility:

The A8700 offers versatile card compatibility with easy access to magstripe and contactless functionalities. This comprehensive approach ensures that merchants can accommodate various payment methods, meeting the evolving preferences of their customers.

In summary, the PAX A8700 excels in delivering a superior user experience through its large touch screen, modern software compatibility, and versatile functionality. Whether for retail, hospitality, or other businesses, the A8700 sets a new standard in chip and pin terminals, providing a dynamic solution for modern payment processing needs.

PAX A960: The Power of Speed and Elegance

Experience the perfect fusion of design and durability with the PAX A960, a testament to innovation and efficiency. This lightweight and sleek device, weighing only 368 grams, stands out as a beacon of advanced features packed into a slim 17mm body—more than 20% lighter than its predecessor, the A920. Rigorously tested through over 80 laboratory tests, the A960 ensures it meets the highest quality standards expected from PAX products.


Key Features of the PAX A960:


Balancing Design and Durability:

The A960 strikes a harmonious balance between design and durability. Its lightweight build, at just 368 grams, coupled with a sleek 17mm thin body, exemplifies elegance without compromising on robustness.


Advanced Feature Integration:

Despite its slim profile, the A960 seamlessly incorporates advanced features. The device undergoes stringent testing—well over 80 laboratory tests—to guarantee top-tier quality, meeting the exceptional standards synonymous with PAX products.


Powerful Performance for Complex Applications:

As the most powerful product in the A-series, the A960 is adept at managing even the most complex business applications with ease. This makes it an ideal choice for businesses requiring lightning-fast payment processing and smooth operations in a mobile, lightweight device.


Octa-Core Processing Power:

Powered by an Octa-Core Cortex A55 processor clocked at 1.6GHz, the A960 harnesses the capabilities of cutting-edge technology. This processing power ensures swift and efficient execution of tasks, enhancing overall performance.


Bluetooth 5.0 Connectivity:

The A960 adopts Bluetooth 5.0 technology, ensuring a smooth and stable connection. This upgraded Bluetooth version enhances connectivity reliability, facilitating seamless communication with other devices for uninterrupted operations.


In essence, the PAX A960 is not just a device; it’s a revelation in the world of payment processing solutions. Combining elegance with power, it exemplifies the commitment to excellence and innovation that defines PAX products. Trust in the A960 to deliver unparalleled speed, reliability, and sophistication in every transaction, setting a new standard for mobile payment devices.


PAX A50: Your Compact Android MiniPOS Solution

Portable Payment Powerhouse:

The A50 is a portable device that empowers businesses to accept payments with ease. Its compact and lightweight design, weighing only 151g and measuring a mere 14mm thin, ensures convenience without compromising on functionality.


Flexible Payment Options:

Whether you prefer to get paid on delivery or at the end of a service, the A50 offers flexibility in payment processing. This adaptability caters to a variety of business models, making it an ideal choice for diverse industries.


Super Slim Design:

The A50’s super slim design is a testament to its commitment to elegance and practicality. The device seamlessly blends cutting-edge technology with a slender profile, making it a visually appealing and user-friendly solution.


Android-Powered Efficiency:

Running on the Android operating system, the A50 brings the power of a smartphone to your payment processing. This integration allows for a familiar user interface, ensuring a smooth and intuitive experience for both merchants and customers.


Robust Build:

Despite its featherweight design, the A50 doesn’t compromise on durability. Its robust construction ensures resilience in various environments, making it suitable for businesses on the move, from delivery services to mobile vendors.

Payment Security Assurance:

The A50 prioritises payment security, providing peace of mind for both businesses and customers. With advanced security features, this MiniPOS device safeguards sensitive transaction data, maintaining the highest standards of confidentiality.

Elegance Meets Functionality:

Combining elegance with functionality, the A50 is a versatile solution for businesses that value both aesthetics and performance. Its sleek design adds a touch of sophistication to the payment process.

In essence, the PAX A50 is not just a payment device; it’s a comprehensive solution for businesses seeking the perfect blend of portability, cutting-edge technology, and payment security. Streamline your transactions with the A50, where simplicity meets innovation.

PAX A6650: A Revolutionary Blend of PDA & POS Terminal

Discover the future of mobile business operations with the PAX A6650, a ground-breaking device that seamlessly merges the functionalities of a PDA and a secure payment terminal. Designed to be the ultimate tool for those on the go, the A6650 offers unparalleled convenience and efficiency, combining organisational capabilities with secure payment processing.


Key Features of the PAX A6650:



The A6650 serves as both a PDA and a secure payment device, providing a versatile solution for individuals who need to stay organized and process payments on the move. This dual functionality streamlines business operations and enhances overall productivity.

State-of-the-Art Technology:

Incorporating state-of-the-art technology, the A6650 is at the forefront of innovation. Its advanced features are designed to meet the evolving needs of businesses, making it an indispensable tool for those seeking efficiency and flexibility

Waterproof, Dust-Proof, and Drop-Resistant:

Tested extensively in PAX laboratories and real-world scenarios, the A6650 boasts an impressive IP67 rating, making it completely waterproof and protected against dust. It can withstand immersion in water and is drop-resistant up to 1.5 meters, surpassing the standards of regular SmartPOS devices.

Durable 6.5-Inch Touch Screen:

The A6650 features a large 6.5-inch touch screen with a waterdrop notch display, ensuring durability and toughness. This robust design enhances the longevity of the device, even in challenging environments.

Streamlined Business Operations:

With its dual functionality and rugged design, the A6650 streamlines business operations, allowing users to stay organised and process payments seamlessly. This device is tailored for individuals who prioritize efficiency and effectiveness in their mobile operations.

Effortless On-the-Go Payments:

The secure payment capabilities of the A6650 make it an ideal choice for on-the-go transactions. Whether you’re managing a mobile business or need a versatile solution for various scenarios, the A6650 ensures that payments are processed securely and efficiently.

In summary, the PAX A6650 is a revolutionary blend of PDA and POS terminal, redefining the possibilities for mobile business operations. Its rugged design, dual functionality, and cutting-edge technology make it an essential tool for those who demand versatility, durability, and efficiency in their daily tasks.



Choosing and Acquiring a PAX Card Machine

When considering a PAX chip and pin machine, businesses have two options: renting or purchasing. Explore the benefits of each option and understand how to ensure compatibility with your existing merchant account.


Selecting the Right Merchant Account for PAX

Switching merchant account providers often accompanies the search for a new card machine. We emphasise the importance of considering the overall cost of processing card payments and provide guidance on comparing machines and providers.


How Merchant Advice Service Can Assist You

Merchant Advice Service offers free, unbiased advice for business owners seeking the right card machines and merchant accounts. Our team, in collaboration with approved partners, provides a range of solutions tailored to your business needs. Speak to our experts today for personalised assistance.


Frequently Asked Questions (FAQs)

Commonly Asked Questions
What are the different names for credit card machines?
Credit card machines are also known as PDQ machines, chip and pin machines, and card machines.
Who are the main providers of PDQ machines in the UK and Europe?
Major providers in the UK and Europe include PAX, Ingenico, Verifone, and Castle Technology.
What makes the PAX A920 a popular choice among businesses?
The PAX A920 is favoured for its sleek design, modern features, and Android-powered functionality.
Is it better to rent or purchase a PAX card machine?
Businesses can either rent or purchase a PAX card machine. Renting is similar to a monthly mobile phone contract, while purchasing may be preferred for those wanting to upgrade outside the original contract term.
How do I ensure compatibility with my existing merchant account when buying a card machine?
It’s important to ensure that the purchased card machine works with your existing merchant account if you plan to stick with them.
Why do businesses often switch merchant account providers when getting a new card machine?
Businesses often switch merchant account providers when seeking new card machines as existing contracts typically end. This allows for a comprehensive review of both card machine hire and merchant account arrangements.
How does the overall cost of processing card payments impact the choice of card machines and providers?
When comparing card machines and providers, it’s essential to consider the overall cost of processing card payments on a pound-for-pound basis rather than focusing solely on rates.
How can Merchant Advice Service help me find the right card machine and merchant account for my business?
Merchant Advice Service provides free, unbiased advice and collaborates with approved partners to offer tailored solutions. Speak to our experts today for personalised assistance. For more advice like this, visit our blog page!

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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