Card machines forBakeries
No minimum spend, so a £1.20 loaf on card costs you the same 1.25% as a £40 celebration cake.
- 1.25% blended
- Next-day payouts
- £0 monthly bill
Every kind of bakery
Craft bakeries, cake makers, market stalls and wholesale.
Craft bakeries
Early queues cleared with taps in under two seconds.
- Sourdough
- Pastries
- Morning rush
Cake makers
Deposits taken up front and the balance on collection.
- Wedding cakes
- Birthdays
- Deposits
Market stalls
4G built in for farmers markets with no fixed line.
- Farmers markets
- Weekends
- Pop-ups
Wholesale rounds
Café and shop deliveries paid on the doorstep, not on terms.
- Café supply
- Deliveries
- Trade orders
Why bakers choose Shift4 One
Fast taps for the morning rush
A contactless payment clears in seconds, keeping the early queue for fresh bread moving.
1.25% on every card and wallet
A £3 pastry costs 4p in fees, so small everyday purchases stay genuinely worthwhile to take by card.
Next working day settlement
Saturday's early morning rush is paid into your account the next working day.
No bill on your closed day
Closed on Mondays, you pay £0 that day with no minimum monthly service charge.
How it stacks up
| Feature | Shift4 | SumUp | Zettle | Dojo |
|---|---|---|---|---|
| Upfront cost | Free | £29+ | £19+ | £100+ |
| Monthly fee | £0 | £0 | £0 | £15+ |
| Rate | 1.25% | 1.69% | 1.75% | 1.2% |
| 4G built in | ||||
| Next-day payout | ||||
| No use, no bill |
Blended rate on Visa and Mastercard. Amex 1.9%. Over £10k a month, pricing is quoted individually.
Competitor pricing from published UK rates, last checked August 2026. Providers change pricing without notice — confirm directly.
Bakers card machine questions
Will the terminal keep up with an early morning queue?
Yes. Contactless payments clear in seconds, helping keep a queue for fresh bread moving quickly.
Is it worth taking card for a £2 or £3 pastry?
Yes. At 1.25%, a £3 pastry costs just 4p in fees, so small everyday sales stay worthwhile.
Do we pay a bill on our weekly closed day?
No. There's no minimum monthly service charge, so a bakery closed one day a week pays £0 that day.
How quickly does Saturday's takings clear?
Settlement is next working day including Saturdays, so weekend trade clears before Monday.
Can we take the machine to a farmers market stall too?
Yes. The terminal has 4G built in, so it works at a market stall as reliably as in the shop.
Get your bakers quote
First terminal free. Additional terminals £14/month. £0 monthly bill, no minimum monthly service charge. no use, no bill: no transactions in a month means no bill. Next working day, including Saturdays settlement and 4g and wifi built in.
Turning over more than £10k a month? Your rate is priced individually — send a statement and we'll come back the same day.
Explore more
Same free terminal, same rate — every trade, every postcode.
Built for your trade
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Ready to stop renting a card machine?
1.25% (£1.25 per £100) on Visa and Mastercard, American Express 1.9%, and your first terminal free.