PAX Chip and Pin Terminals

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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

When searching for card machines it can be difficult to understand which chip and pin will be most suited to your business. From technical jargon to the functionality of the wide choice of terminals available, navigating the options can be a minefield. That’s before companies have considered the merchant account to work alongside the chip and pin machine.

Test open PDF here. Try to remember to set PDFs to open in a new tab. Probs a bit better for conversions!

Finding the best card machine for your business

Credit card machines can be referred to in different names – so finding the best machine can become confusing, right? So, before we continue…it’s worthwhile pointing out that all the below mean the same thing!

  • PDQ machine (stands for processing data quickly)
  • Credit card machine
  • Chip and Pin
  • Card machine

Makes of card machine providers

The main providers of PDQ machines here in the UK and Europe are PAX, Ingenico, Verifone and Castle Technology. However, with tech advancements as always there are new brands coming to the market frequently. During this article we will look at the PAX offering and compare the three most used wireless card machines.

PAX credit card terminals

PAX, an American based company have been providing PDQ devices since 2001. With established partnerships, the firm supplies credit card machines to over 120 countries worldwide. Pax have a reputation for servicing retail, hospitality and transport and taxi businesses.


PAX A920 chip and pin terminal

PAX A920 is a favourite amongst merchant services brokers and resellers. The widely used wireless card machine is sleek and modern looking, no doubt increasing its popularity. Powered by Android, let’s take a look at the A920 specifications.


PAX A80 is a desktop alternative, aimed at hospitality and retail businesses. The machine has a substantial and weightier feel in comparison to PAX A920 alternative. Here’s the specification.



The smallest offering by PAX but this card machine packs a mighty punch, the A77 is a firm favourite for Taxi and transportation services. Want to know the specification? Here we go…

Buying a PAX card machine

When it comes to purchasing a PAX chip and pin machine, there are two options.

Hire a PAX PDQ – most businesses choose to rent card terminals. A little like a monthly mobile phone contract, the hardware cost is split over an agreed monthly term.

Purchase a PAX machine – some companies choose to buy the card machine upfront, especially if wishing to upgrade outside of original contract term. If opting to do so, it’s important to make sure the machine works with your existing merchant account if you are wanting to stick with them.

Speak to our experts today to source PAX card machines for sale.


Merchant Accounts to work with PAX card machines

The majority of businesses choose to switch merchant account providers when looking for new card machines, as this is when existing contract arrangements tend to come to an end. Ordinarily, when accepting face to face transactions companies have two contracts, one for the chip and pin machine hire itself and the other with the merchant account provider directly. It’s important to consider the overall cost of processing card payments when comparing machines and providers, we suggest doing so on a pound for pound basis rather than on rates alone.


How Merchant Advice Service work

Merchant Advice Service provides free of charge, non-biased advice for business owners. Alongside our approved partners the team can offer a wide range of card machines and merchant accounts. Speak to our experts today.

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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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