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Lloyds Cardnet Reviews 

532
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 374 reviews, reviewers overwhelmingly had a great experience with this company. Consumers consistently highlight the exceptional support provided by the team, noting that advisors are knowledgeable, polite, and always available to assist with any questions. People find the transition process straightforward and appreciate the clear guidance given when selecting the best payment solutions for their businesses. Though some customers experienced issues, noting unexpected bills for old terminals, held payments, or technical difficulties during installation. A small number of users also mentioned that certain system features felt underwhelming or that transaction commissions were slightly high for small groups.

What people talk about most

Staff

Customers had positive experiences with staff, highlighting that team members are professional, responsive,... See more

Service

People report positive experiences with service, highlighting a professional and responsive team. Reviewers... See more

Customer service

Customers consistently note positive experiences with customer service, highlighting responsive and... See more

User experience

Reviewers mention positive feedback about user experience, highlighting smooth transitions and reliable... See more

Payment

Users describe ambiguous interactions with payment solutions, reflecting a mix of appreciation and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

We have just moved our card machine to Lloyds from another card company. We have received excellent customer service from Lloyds so far, every question answered, big thank you to Michael Scott - kept... See more

Company replied

Rated 5 out of 5 stars

We were recommended Lloyds Card Services by Purchases Direct, who helped us find the best card payment solution for our business. From start to finish, the process with Lloyds Card Services has been... See more

Company replied

Rated 5 out of 5 stars

The Customer Services representative, Edit, was extremely helpful. My device wasn’t functioning and couldn’t pair properly to my new iPhone, but once this was sorted, everything else was resolved... See more

Company replied

Rated 5 out of 5 stars

Fantastic service. Extremely efficient. Wouldn't hesitate to recommend. Other providers just didn't match up. Special thanks to Richard Swinfield, who was first rate throughout and did exactly as he... See more

Company replied


Company details

  1. Card Processing Service
  2. Bank
  3. e-Commerce Solution Provider
  4. Payment Service

About Lloyds Cardnet

Written by the company


Take payments in person, online and over the phone. From pocket-sized card readers to counter-top terminals to full point of sale app-based business solutions.

By accepting card payments, your business can meet the demands of today’s fast-paced, digital economy. Best of all, our card payment solutions helps you learn more about your customers’ spending habits with real-time sales data and online reporting tools.

Plus, whether you’re a sole trader or a growing enterprise, card payments reduce cash handling and can open doors to finance options like Merchant Cash Advance. With Lloyds, you get secure, reliable technology, specialist UK support and transparent pricing. Let your customers pay their way – quickly, safely and confidently.

Lloyds Bank Cardnet is trusted by over 35,000 businesses processing 2.86m transactions daily. Cardnet® is a registered trademark of Lloyds Bank plc.

Take payments >

Existing customer support >

Contact info

Take card payments with confidence

A card reader for every business, big or small

4.6

Excellent

TrustScore 4.5 out of 5

532 reviews

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4.6

All reviews

(532)

342 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Lorraine was fantastic

Lorraine was fantastic, explained everything in easy to understand detail. She is very friendly, professional and made me feel at ease when discussing the financial side for the business. :-)

January 29, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hello Shams

Thank you for your review and positive feedback, I will share this with Lorraine.

Kind Regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Efficient service

Poppy Ford called our busy office and was instantly very pleasant to speak with. To be honest, we usually don’t accept similar calls unless they come from a direct client. However, I could tell that Poppy genuinely understood the information I was giving her and responded accordingly.

This may sound basic, but in my experience it’s a rare quality these days. She followed up quickly with an email and managed to resolve two issues we had been dealing with for a long time—all in a single call.

Thank you, Poppy!

March 5, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hello Smaida

Thank you for your review and positive feedback, I will share this with Poppy Ford.

Kind Regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

A huge thank you to Kelly Merritt

A huge thank you to Kelly Merritt, who resolved my query the same day I was informed and updated with the progress of my query and received a follow up message to check I was happy with the outcome. Fantastic customer service.

February 27, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hello Kerri

Thank you for your review and positive feedback, I will share this with Kelly Merritt.

Regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Excellent Service from Daniel Jacobs – Cardnet Setup Made Easy

After banking with Lloyds Bank for over 30 years, we had never managed to set up a Cardnet account. However, after getting in touch, Daniel Jacobs made the whole process incredibly easy.

Dan was extremely helpful, professional, and always available to answer any questions we had. He kept us updated throughout, and everything was handled quickly and efficiently.

Excellent customer service from start to finish – thank you, Dan!

March 2, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon

Thank you for your review and positive feedback, I will share this with Daniel Jacobs.

Regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Great service

We've been using Lloyds Cardnet for about five years and the service has been excellent. The terminals are simple to use. We’ve only had a few minor issues in that time, and each one was sorted quickly by the team.

We recently upgraded our machine and Kian was really helpful in getting everything in place. Great service overall.

March 5, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon

Thank you for your review and positive feedback, I will share this with Kian.

Regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Card machine purchase

I had the pleasure of speaking to Matthew Crouch yesterday to enquire about a card machine for my new business venture.

Matthew asked me questions regarding my business, which he was then able to provide me the best options of card machines available to me, that suited my business.

He thoroughly provided me with all the information I needed to ensure I understood what I was purchasing. He contacted me back when we made arrangements, and kept to his word.

Further to that, he went above and beyond to let me know my application had been successful after his working hours.

This was, by far the best customer service I have ever received. I expected to be waiting days for a further call back but nope, not with Matthew!

March 3, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon Gemma

Thank you for your review and positive feedback, I will share this with Matthew.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Merchant Portal Access

We have Several Merchant ID's for the different locations, struggled to view them all in one place. Rang Lauren Little, very helpful in setting up merchant portal, 24 hours later all merchant ID's visible in on place, now got one happy accounts department

February 27, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon Mr Colman

Thank you for your review and positive feedback, I will share this with Lauren.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 1 out of 5 stars

Absolute criminals and protect criminals

Absolute criminals, support fraudsters and penalise small business, no help whatsoever, they are charging you for the service and provide no service at all, please avoid them at all cost, as a small business holder, I had fraudsters used card and spent over £400+in my shop and transaction was approved by the lloyds cardnet, but I was suspicious of the transaction and reported the matter to the police as soon as possible, and police said they could not proceed as transaction was approved by the bank, now Lloyd's has charged back the amount from my account and I have lost the stock value, lloyds said I'm not protected against fraud and it is my fault and I have to bear the cost, I have followed the rules and procedures, and I'm not a criminal psychologist to detect the hardened criminals, They are insured for fraud, but not myself, Lloyd's only protects criminals and themselves. Please avoid lloyds cardnet and lloyds business banking at all times

January 4, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon Sam

We’re very sorry to hear about your experience and understand how upsetting and stressful this situation must have been, particularly as a small business owner.
Please accept our apologies for the frustration caused. This is not the level of service we aim to provide, and we take feedback like this extremely seriously.
We are currently investigating the circumstances surrounding the transaction, the chargeback decision, and the support you received, so we can fully understand what has happened. Fraud and chargebacks are complex matters involving card scheme rules and regulatory requirements, and we appreciate that this does not lessen the impact on your business.
We would really like the opportunity to review your case in detail and see whether there is anything further we can do to help or clarify. Please contact our customer relations team directly with your business name and reference details so we can look into this thoroughly.
Thank you for taking the time to share your feedback. We value our customers and are committed to learning from situations like this to improve our service.

Kind Regards
Sarah Cantrell - Lloyds Bank Cardnet

Rated 5 out of 5 stars

Superbly easy and friendly…

Superbly easy and friendly communication. I'm always impressed when people actually appear to care - and act efficiently and swiftly, but manage to remain easy to speak to.
5 stars!

March 3, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning NHBCH Trustees

Thank you for your review and positive feedback.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 4 out of 5 stars

I was always kept in the loop and…

I was always kept in the loop and didn't feel uncomfortable dealing with Dulcie.
Good service.

January 8, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Yvonne

Thank you for your review and positive feedback about Dulcie which I will share with her.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 1 out of 5 stars

To be honest

To be honest, I’m really disappointed with the product. The system feels like something from the 1990s — almost everything has to be done manually, with very little automation.

I’ve been with this bank for over 14 years and have always valued trust and solid foundations, but what’s happening lately is quite concerning.

The “pay by link” feature is frankly underwhelming compared to what other banks are offering. On top of that, I applied for a card over five weeks ago and I’m still waiting for a response — which is frankly quite unbelievable.

I expected much better after so many years of loyalty.

February 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good afternoon Daniel

Thank you for taking the time to share your feedback, and for being a customer with us for over 14 years. We genuinely value the trust you’ve placed in us over such a long period, so it’s disappointing to hear that your recent experience has not met your expectations.
We’re sorry to learn that the platform feels manual and that features such as Pay by Link haven’t delivered the level of functionality you were expecting. We recognise how important efficiency and automation are for merchants, and your comments have been noted as part of our ongoing review and development work.
We’re also concerned to hear about the delay you’ve experienced with your card application. Waiting over five weeks without clarity is understandably frustrating and not the experience we aim to provide.
As you’ve already raised a formal complaint, this is currently being reviewed by our Complaints Team. We are checking on the status of this and will ensure it is progressed appropriately so that you receive a full response directly.
Thank you again for your honest feedback. We appreciate your patience while this is looked into and hope to have the opportunity to restore your confidence in us.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Helpful

Helpful, answered all questions and didn't pressure us into anything. Delight to deal with.

February 26, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon Lewis

Thank you for your review and positive feedback.

Regards,

Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Cleo Swales was friendly and…

Cleo Swales was friendly and professional. She dealt with my query quickly and was very knowledgeable about the products offered.

February 19, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon

Thank you for your review and positive feedback. We will make sure to pass this onto Cleo Swales.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Excellent Service

Dulcie Small contacted me to see if I was happy with my Lloyds cardnet machine and if i needed anything updated. She offered a new machine for less per month than I am currently paying

February 4, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon

Thank you for your review and positive feedback. We will make sure to pass this onto Dulcie Small.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 1 out of 5 stars

Hopeless!! No service at all!!

No one has been in contact regarding my new card terminal which is still in its box, having taken some days to arrive. However, I have received a bill for the rest of this year for my OLD terminal which does not recognise that the old contract has been cancelled and a new one agreed!! Hopeless!! No service at all!
Your message asked me to give a reference of someone called Serhat Sandalci, whoever they are!!

February 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good evening Campbell Fine Art

We’re very sorry to read about your experience and sincerely apologise for the frustration this has caused.
We understand how concerning it must be to receive a bill for an old terminal after agreeing a new contract, especially when your new terminal has not yet been set up or discussed with you. This is certainly not the level of service we aim to provide.
Please be assured that we are investigating this matter urgently to understand why the old contract appears not to have been closed correctly and why you were asked to reference a name unfamiliar to you. We appreciate you bringing this to our attention, as it will help us put things right and prevent this happening again.
We would really like the opportunity to resolve this for you as quickly as possible. If you’re able to contact us directly with your business name or account details, we’ll ensure the appropriate team follows this up and keeps you updated.
Thank you for your patience, and again, our apologies for the inconvenience caused.
Kind regards,
Sarah Cantrell - Lloyds Bank Cardnet

Rated 5 out of 5 stars

Friendly

Friendly, helpful service. Cardnet called me to check if I was happy with the service and if they could help me anymore and save money moving forward. Their customer sevice is polite, knowledgeable and helpful. Thank you.

February 4, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon Mr Boyle

Thank you for your review and positive feedback.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Staff was very helpful and asked if I…

Staff was very helpful and asked if I needed anything

February 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Nigel,

Thank you for your review and positive feedback. We can see this relates to the support provided by our colleague Yagmur, who was on hand to help throughout. We will be sure to pass along your kind comments to them.

We really appreciate you taking the time to share your feedback.
Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Efficient Service

James Gale has recently become our relationship Manager and once again he has assisted with linking accounts to our Portal and making life so much easier. He works quickly, very efficient and always easily contactable
Once again - Thank You

February 24, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Angela

Thank you for your review and positive feedback. We will make sure to pass this onto James Gale.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Great experience dealing with Poppy

Great experience dealing with Poppy, no hassle just information needed, and signed documents easy to do.
Would recommend

February 25, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Karen

Thank you for your review and positive feedback. We will make sure to pass this onto Poppy.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Lloyds Cardnet Assistance

I was struggling a bit finding the correct payment system for my company. We bank with Lloyds so i rang for some assistance. Matthew helped me step by step pick the best option for us, advising of all possible options/extras and helping us decide what we need and what we don't. The help made the process so much easier & he seemed happy to help at every step. Would definitely recommend.

February 19, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Connor,

Thank you for your review and positive feedback. We will make sure we pass this onto Matthew.

Regards,

Sarah – Lloyds Bank Cardnet

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