Banner for Lloyds Cardnet

Lloyds Cardnet Reviews 

529
TrustScore 4.5 out of 5

4.6

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 379 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and dedicated relationship managers for their helpful, professional guidance throughout the entire setup process. People consistently note that customer service is exceptional, with representatives providing prompt, polite, and very clear communication. Some reviewers were not happy with unexpected billing charges for old terminals and noted limitations within certain payment features. Consumers also mentioned occasional difficulties with complex system setups, stressful onboarding steps, or experiencing delayed payments during transitions. A few individuals felt that certain features felt outdated or required too much manual work compared to modern alternatives.

What people talk about most

Staff

Clients share positive opinions on staff, frequently praising their professionalism, helpfulness, and expert... See more

Customer service

Reviewers highlight positive aspects of customer service, describing representatives as easy to deal with,... See more

Service

Customers consistently note positive experiences with service, highlighting the professional, knowledgeable,... See more

User experience

Consumers find user experience to be exceptionally positive, describing the overall setup and onboarding... See more

Payment

Users describe ambiguous interactions with payment solutions, showing a mix of satisfaction and frustration.... See more

Reviews shaping this summary

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

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

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

529 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.6

All reviews

(529)

339 reviews in the last 12 months

Write a review
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 1 out of 5 stars

Appalling service

Appalling service - avoid! Communication is non existant. Written information incorrect. No proper support available- just shrugged shoulders. Wrong information about registration led to unnecessary installs on computer which has messed my system up. Still waiting a month later to learn how to use their system. So many passwords ( some of which are laughably insecure) and log in levels. Avoid

May 28, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Iain,

We’re really sorry to hear about your experience, and thank you for taking the time to share your feedback.
This isn’t the level of service we want to provide, and we understand how frustrating unclear information, delays and system issues can be — especially when it impacts your day-to-day operations.
We’d like to look into this further and understand what’s gone wrong so we can put things right.
Thank you again for your feedback — it’s important to us and helps us improve.

Kind Regards
Sarah Cantrell - Lloyds Bank Cardnet

Rated 5 out of 5 stars

cardmet team super helpful…

I have had great support from the cardnet team especially Kelly always super helpfull and deal with my queries and always get resolved quickly the whole team have been realy helpfull.

June 3, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

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

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Fantastic service

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 said he would at all times. Thank you.

June 1, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Thomas,

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

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

The personal touch and attention to detail

A bank is just a bank to most, but when looking at ensuring we got all the features and facilities we needed for the company the personal touch and personal support was exacty what we needed. Walked through every feature, detailed discusssion on what we needed, why we needed it and what they could offer. The service and attention to detail for us was superb. Thank you Michael Scott

May 4, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Dear Mark,

Thank you for your review and positive feedback. I will share this with Michael Scott.

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Good level of support for SME's

We have been exploring our options for payment processing - our most recent customer service experience with Cardnet was first class as soon as we had established the right person to speak with.

May 29, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Dear Jonathan,

Thank you for your review and positive feedback.

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Just had my first meeting with my new Cardnet Manager

Just had my first meeting with my new Cardnet Relationship manager James Gale and i am please to report it was a very positive experience indeed.
James was very helpful we some great advise and ideas
10 out of 10 thanks
Peter
AGC LTD

May 27, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback. I will share this with James Gale.

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

We moved our business to Lloyds

We moved our business to Lloyds Cardnet, it was very quick and easy for the whole company. Deepak Joshi was very helpful and guided us through the process making it as easy as possible!

May 26, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback. I will share this with Deepak Joshi.

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 4 out of 5 stars

Mostly clearly explained

Mostly clearly explained, but as a non techno person I found some things needed more explanation. This was dealt with satisfactorily.

May 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Patricia,

Thank you for your review and feedback.

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

Rated 4 out of 5 stars

Good card machine

Very easy to use and quick for our Watermelon business

May 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback.

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Simple process

May 26, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Peter,

Thank you for your review and positive feedback.

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

New retail setup

We are going through the setup of our first retail outlet after having been a Lloyds business customer for years.
The Cardnet team, Mr Michael Scott in particular, was hugely supportive on this journey. They provided the guidance we needed and went above and beyond our expectations.
We were updated at every stage of the process, making what could have been an incredibly stressful experience seem very straightforward.

May 21, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi David,

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

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

We returned to Cardnet after a brief 18…

We returned to Cardnet after a brief 18 months with another supplier. Originally with Cardnet for nearly 40 years and now glad to be back. There is always a person to speak to if any queries arise - cannot fault the service.

May 21, 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Libby,

Thank you for your review and positive feedback.

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 4 out of 5 stars
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Terri,

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

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

David Guy has been exceptional in every…

David Guy has been exceptional in every way. He has dealt with every issue that’s been raised in a very professional and friendly manner. I wish everyone I speak to at Lloyds would take a leaf out of his book.

Keep up the great work David. No doubt I will speak to you again at some point.
A real asset to the team.

May 19, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Eric,

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

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Response time was good

Response time was good. Person was able to provide the relevant info to my query.

April 23, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hello

Thank you for your review and positive feedback.

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 3 out of 5 stars

I received a brief email stating that I…

I received a brief email stating that I am already on the lowest rate available and that this can be reviewed again in 6–7 months. However, I found the response unsatisfactory, as I had also asked for a copy of my contract and whether I am able to switch, and these points were not addressed.

May 18, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi A Sarvestani

Thank you for taking the time to share your feedback. We’re really sorry to hear that the email you received felt brief and didn’t fully address all of your questions – we understand how frustrating that can be.
This isn’t the experience we want to provide, and we’d like to look into this further to understand what’s happened and make things right.
We appreciate you bringing this to our attention and giving us the opportunity to improve.

Sarah Cantrell - Lloyds Bank Cardnet

Rated 5 out of 5 stars

Serhat understood our company's needs…

Serhat understood our company's needs and was able to recommend the right terminal to replace our existing one.

I was in rather a hurry, so I was not interested in quite as much pleasantry as he was keen to give. Probably my bad.

May 1, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Justin,

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

Kind regards,
Carmen Lazar – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Kian has been very helpful

Kian has been very helpful with our issues, Has understood the issues and dealt with them to fullest of his capabilities.

May 18, 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hello,

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

Kind regards,

Carmen Lazar – Lloyds Bank Cardnet

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look