Here you will find Card Machine user guides, simply click on the manufacturer logo of your terminal below and select the correct model. View our FAQ’s on the payment products we provide.

Support and card machine support, faq
Virtual terminal
card machine


Can I get access to information if I am not on my premises?

Yes, you can. We provide cloud-based software and remote access solutions where you can see the back office stats and data such as sales, stock and even adjust promotional offers. Also, with the dashboard feature, you can get a reporting feature of the whole business on any tablet, smartphone or computer within minutes.

I’m asked if I’m making profit, or what’s my best selling lines and when, but I find it difficult to know for sure, would EPOS tell me? provided by my bank?

Yes, the main purpose of this investment is to get more detailed and accurate information about your sale, purchase, and profit instantly, so you could make right decisions at the right time plus plan better. We have extensive range of reports to achieve this.

What does a full EPOS systems consist of?

A typical EPOS System consists of

  • Computer, an Input device for data entry such as a touch screen
  • Software applications
  • Customer display
  • Chip and Pin credit/debit card reader
  • Cash Drawer
  • Receipt printer
  • Scanner or handheld terminal
  • Internet access

First Payments are able to provide the above components as an integrated system, to meet the needs of your business sector, such as fast food, services or hospitality and many others.

Why would I consider an EPOS system for my business?

Today’s competitive business environment demands not only top-notch customer service but also strategic planning which requires the analysis of data in minute detail. Any business which relies on face-to-face transactions for all or part of its revenue must strive towards making those transactions as efficient as possible and collect as much information about the transaction/customer as possible in order to inform business decision making.

An EPOS system not only makes the process of transacting business as convenient as possible for the staff and the customer but also has the added advantage of collecting and reporting detailed information on sales, customers, purchase and profit activity.

How many EPOS terminals can I use?

You can connect almost unlimited number of POS Terminals (Tills) to one central back office solution. These can be in a single shop or across a number of premises.

I’m worried that EPOS is too complicated for my business and me, can you help?

An EPOS system is used to make business more efficient and simplify the life of staff. We will ensure the right system is implemented into your business and it will not be complicated but make yours and your staffs jobs easier.

What is the benefits of EPOS?

An EPOS system delivers considerable business benefits and provides many of the essential tools and information to make informed business decisions and grow your business. Below are some main benefits you can get an EPOS solution from First Payment Merchant Services.

  • Improved staff and business efficiency
  • Faster and accurate transactions
  • Improved stock control
  • Improved customer loyalty and retention
  • Prevent fraud, hidden costs and pricing errors
  • Better cash control
  • Instant accurate reports to support business decision and drive the business forward.
What card payments can I accept?

We can enable you to accept all major card payments in person, over the phone or online.

Would your EPOS software integrate with my retail business?

Yes it would. We cater for fast food takeaway, café, restaurants, pubs, fashion, pharmacy, convenience, gift-ware, dry cleaners, beauty salons, wholesales and many more…

Card Machine FAQ’s

Are varied terminal subscription times available?

Yes – terminal lease periods are available for terms ranging from 24 to 48 months.

Do I have to use the card acceptance services provided by my bank?

No you don’t, card acceptance services can be provided independently of your banking services so you are free to choose a provider that specialises in fast, secure and reliable card services.

How long does settlement take?

You can usually expect the funding from the card payments you accept to be settled into your business banking account within three to five working days of the transactions taking place. You can expect any transactions taken via your FDMS Merchant Identification Number will be settled into your business banking account within three to five working days of the transactions taking place.

How long does the application process take?

Your application should be processed within ten working days of submitting the completed documentation.

How much does card acceptance cost you?

We will offer you a competitive rate that reflects the profile of your business. This will be based on several factors including current or projected card turnover, whether you are new to cards and average transaction value. Contact us today to discuss your needs in more detail.

What is PCI compliance?

The Payment Card Industry Data Security Standard (PCI DSS) sets worldwide rules that help protect both you and your customers from fraud. Everyone that accepts payments by credit or debit card must be PCI DSS compliant. The rules increase controls around the way data is managed and stored, reducing exposure to compromise. Learn more about the regulations by visiting the PCI standards website.

What card payments can I accept?

We can enable you to accept all major card payments in person, over the phone or online.

Cash Advance FAQ’s

Do I need to switch my card terminal provider for a Cash Advance from First Payment Merchant Services?

We provide flexible business finance solutions, so we can work with all the leading terminal providers and we can work around your current arrangement, so just give us a call to discuss your options in more detail.

How much could I get with a Cash Advance?

With our business finance alternative, we can provide you with anything between £2500 and £300000. This amount will depend on your average monthly card takings, but typically we will advance up to 100% of this amount – so if on average you take £10000 per month via card payments, this is how much you will qualify to be advanced – however, we can be flexible on this figure.

What credit checks do you perform when I apply for a cash advance and will they impact my credit score?

We will use a number of sources of information to help us understand your business, including 3rd party credit bureau checks. We carry out both company and consumer credit bureau searches, which will leave a record of this search on both credit files, visible to other finance providers – however, neither credit score will be impacted.

What if my credit history isn’t the best, can I still apply for a Cash Advance?

That’s not a problem. Traditionally if you have a poor credit history, this could severely limit your chances of acquiring a business loan. However, unlike a bad credit business loan, we consider applications on an individual basis and assess whether the product is right for your business based on business potential – not just your credit history. That said, we are wholly committed to ensuring we are acting responsibly so, just as we do, you should think carefully about financial products for your business and seek appropriate advice when making decisions.

Do you take any security or collateral for a Cash Advance?

A Cash Advance is an unsecured way of accessing finance. This means your home is not at risk. We will ask you for Personal Guarantees if you are applying as a limited company or limited liability partnership.

Is there a time limit to pay back my Cash Advance?

Our Business Cash Advance has been crafted as a funding product that is predicted to be repaid between 4-12 months, but the exact time it takes for you to pay it back is ultimately down to how your business performs. Compared to the typical business loan we don’t have interest rates, so we’ll discuss all the options with you from the beginning so everything is clear and understood. The total cost will be fixed, but you will only pay back as you earn.

What happens if I change my mind after receiving the funding?

We offer a peace of mind guarantee that means you can change your mind within 14 days of receiving the funding with no charge.

What is a Merchant Cash Advance?

First Payment Merchant Services provides small business finance in the form of a Cash Advance, a simple solution based on advancing your future customer credit and debit card payments. It enables you to access £2500 and £300000, which you only repay as your customers pay you.

Why do I need a card terminal for a cash advance?

Our Cash Advance provides a finance that is based on your future credit and debit card sales, so the card terminal is needed for you to pay back the money. We will agree on a percentage of repayment upfront, and you’ll pay it back automatically – keeping the majority of your earnings, but sending a small percentage of the funds our way. And remember, you keep 100% of your cash sales.



Fabulous customer service from Matt Fox-smith! Highly recommended. I was thoroughly informed on how it all works and am so pleased with my card reader! Thank you Matt Fox-smith



After putting off changing the card machine for ages, Daryl Mason was a superb help! Reliable & patient, he made the whole transition easy!!

Google Review


Karen is friendly, helpful and professional. She approached my business with a genuine attitude to help my business grow and shared a passion for the space and my staff members. Highly recommend her and the first payments services.



Very easy to sign up with, spoke through everything each step of the way, phoned when the card reader arrived and help set it up. Great customer service and I look forward to working with them in the future



All said and done as discussed and in a timeous manner

Google Review


Great Service. So happy we switched to First Payment Merchants who have saved us money every month. So easy to deal with. A* Service.

Head Office

The Meadows Business Park



GU17 9AB

Northern Office

The Atrium Building

20 Wollaton Street



Contact Us


0208 102 8100


0208 102 8004

Office Hours

Mon-Fri: 9am - 5pm
Sat-Sun: Closed

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