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
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Review summary
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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
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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
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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
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Company details
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
United Kingdom
- lloydsbank.com/business/take-payments-with-cardnet.html
Take card payments with confidence
4.6
Excellent
529 reviews
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V helpful and helped me renegotiate the…
V helpful and helped me renegotiate the charges for credit card usage as requested
June 19, 2026
Reply from Lloyds Cardnet
Hello Dee,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Lloyds Payment Solutions
Great attention to customer needs. Lloyds Cardnet have some excellent card processing product to satisfy customers' ever evolving needs. Lloyds Virtual Terminal and Paydit QR code card payment.
Excellent service from the team.
Tony Reading
Head of IT, Tresco Island
June 23, 2026
Unprompted review
Reply from Lloyds Cardnet
Hello Tony,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Devices stopped working partway through…
Devices stopped working partway through our one-off annual event - had to revert to cash at what was advertised as a "card only" event.
June 20, 2026
Reply from Lloyds Cardnet
Hi,
We're sorry to hear that your devices stopped working during your annual event and understand how frustrating this must have been, especially when attendees were expecting a card-only experience.
We're glad you were able to speak with our team and get the issue resolved, but we appreciate the disruption this caused on an important day for your business.
We will be looking into the root cause of the problem and using the findings to help improve our service and prevent similar issues in the future.
Thank you for your feedback and for giving us the opportunity to learn from your experience.
Kind Regards
Sarah Cantrell - Lloyds Bank Cardnet
Reply from Lloyds Cardnet
Hello,
Thank you for your review and positive feedback. I will share this with Yagmur.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
I had to replace two old card terminals…
I had to replace two old card terminals for new ones that were compatible with VoIP.
David Guy was absolutely brilliant and guided me patiently through all the options.
First class service and an absolute delight to be able to contact a UK based call centre!
June 18, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Chris,
Thank you for your review and positive feedback. I will share this with David.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Cardnet Service excellent
As usual excellent service. A full understanding of my business needs. Top marks.
June 18, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Martin,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Good service and always on hand
June 18, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Ruthin,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Someone came into my cafe
Someone came into my cafe, distracted me and managed to make a refund of £499 on a card that wasn’t even used in my cafe!!!
Cardnet offered to refund me £35 which was ridiculous to begin with and even that I didn’t receive.
December 15, 2025
Unprompted review
Reply from Lloyds Cardnet
Good Afternoon Pedro Vierira
We’re really sorry to hear about what’s happened and appreciate you taking the time to share your experience. It’s understandably distressing to be the victim of fraud, and we recognise the impact this can have on your business.
Having reviewed your case, we can see that a complaint was previously raised regarding this matter. The £35 payment you mentioned was offered as a gesture of redress linked to a specific element of that complaint, rather than reimbursement for the full transaction amount.
We also want to reassure you that, in line with regulatory requirements, we have provided you with the option to escalate your concerns further if you remain dissatisfied with the outcome.
Unfortunately, payment fraud continues to increase across the UK, placing added pressure on businesses to remain vigilant. We take fraud prevention very seriously and are committed to supporting our merchants with practical guidance. We’ve developed a range of resources, including a guide that highlights key risks across the payment journey and a free checklist to help strengthen day‑to‑day controls and build long-term resilience. https://www.lloydsbank.com/business/resource-centre/insight/payment-fraud-prevention.html
Many Thanks
Sarah Cantrell - Lloyds Bank Cardnet
New Relationship Manager
New Relationship Manager
We have been using Cardnet for a number of years and have just been assigned a new relationship manager -Jamie Padfield. We had our initial meeting this morning and Jamie was very thorough, knowledgeable and helpful whilst he went through what is available to us as a Company and he followed up after the meeting with everything that we had covered. Very impressed.
June 17, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Jane,
Thank you for your review and positive feedback. I will share this with Jamie.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Great help with setting up the system
Great help with setting up the system, so easy to use. Michael knows his stuff and helped when I had an issue.
June 11, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Mandie,
Thank you for your review and positive feedback. I will share this with Michael.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Reply from Lloyds Cardnet
Hi Stavros,
Thank you for your review and positive feedback. I will share this with Kieran.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Reply from Lloyds Cardnet
Hi,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Concise,Frendly
Very polite and patient.Helpfull with good advice for my needs
June 15, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Tom,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Excellent service from James Gale at CardNet
**Excellent service from James Gale at CardNet**
James Gale recently contacted me as our new account manager to discuss our account and asked whether we had any particular issues or pinch points.
I explained that our main frustration was with the handling of the occasional chargeback advice. Although we receive very few chargeback requests, these are sent by post to our registered office. As there is only a short response window, by the time they reach us there is often very little time left to respond, and there have been times we have been unable to respond and lost monies as a consequence
Before we had even had our scheduled conversation, James had already taken the initiative to help resolve the issue. He arranged access for us and also set up a daily email alert so we are notified whether or not there are any chargebacks.
This was excellent, proactive service. James understood the issue, acted quickly, and went above and beyond what was expected. A credit to CardNet.
June 15, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Paul,
Thank you for your review and positive feedback. I will share this with James.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Corrinas customer service
I would just like to mention the outstanding service that Corrina provided me, she was excellent over the phone and honestly just a warm-hearted person!
June 4, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Lazo,
Thank you for your review and positive feedback. I will share this with Corrina.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Excellent service and extremely…
Excellent service and extremely helpful. Everything was explained clearly and all the documents completed and send promptly.
Kieran Banks provided me with excellent service and I would highly recommend him
June 9, 2026
Unprompted review
Reply from Lloyds Cardnet
Hi Nicos,
Thank you for your review and positive feedback. I will share this with Kieran.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Community Club
Quick and easy process, good communication regarding product. Quick decision and delivery. Good support after receiving item.
June 10, 2026
Reply from Lloyds Cardnet
Hi John,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Helpful and responsive
The account manager is helpful and responsive. He provides a great service, explaining things at my level.
June 9, 2026
Reply from Lloyds Cardnet
Hi,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Transfer to contract with cardnet
We currently use a pay as you go through cardnet but felt that a contract would offer better value for money. Figures were provided based on our merchant use to compare. Due to the nature of our business it required authority from several people (other than myself). This was all done via email, which was easy to follow.
My customer contact was Hanna L. She kept me up to date with the process and called me as and when agreed. It was pleasant to speak with an individual who knew about the product and didn’t just read from a script.
May 20, 2026
Reply from Lloyds Cardnet
Hi,
Thank you for your review and positive feedback. I will share this with Hanna.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
Cardnet offers solid bank-backed…
Cardnet offers solid bank-backed reliability and good support.
June 8, 2026
Reply from Lloyds Cardnet
Hi,
Thank you for your review and positive feedback.
Kind regards,
Carmen Lazar – Lloyds Bank Cardnet
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