Smart solutions for independent businesses

Independent businesses deserve smart solutions and we've got them. Our integrated point of sale and card reader solution comes with super-low fees to save time and money for your business.


Card reader for £ 160+VAT (one-time) | 0.49% for UK consumer debit | 0.79% for UK consumer credit | Next working day settlements | PAYG contract | No monthly fee

For UK based sole traders and limited companies


Our digital point of sale (ePOS) and card reader solution comes packed with powerful features for all categories of independent retailers and small businesses

Point of sale

Add item details, images, prices, discounts and inventory levels in seconds via manual entry or batch uploads. Get sales reports and trends. Learn more.

Card reader

Our ePOS comes integrated with a card reader, so you can focus on your customers while we deal with the integration. Learn more.

Manage Refunds

Manage refunds conveniently by locating transactions and initiating refunds from the ePOS app.


Issue email or QR code receipts. Or add optional hardware from Star Micronics - printers and the mPOP bluetooth enabled cash drawer. Learn more.

Pay by Link

Send a payment request  to a customer's phone via SMS. Collect payments on the go, no card reader required (on a separate price plan). Learn more.

Web-store builder

Launch your web-store in minutes and sell online, with CardAlpha's web-store builder (on a separate price plan). Learn more.

No hidden fees, no monthly fees.
Transparent pricing.

Pricing (for our ePOS and card reader solution)
£160 + VAT

One time cost for card reader


Transaction fee for UK consumer debit cards


Transaction fee for UK consumer credit cards


Transaction fee for all EEA (Non-UK) consumer cards

* Transaction fee for all commercial cards and Non-EEA consumer cards (international) : 2.49%

Apply in three easy steps


Download our App


Apply for an account via the App by sharing a few details about your business


Order a card reader and any optional accessory (printer, cash drawer etc)

.. start selling

Once your account is ready, build item lists and start accepting payments

* The merchant card processing account is provided by our partner, Bambora/Worldline, a regulated payment institution, after a few mandatory checks on the business ** any optional printers and cash drawers will need to be purchased from third party hardware suppliesr , details available on CardAlpha's website

Frequently Asked Questions

How do I get your integrated POS solution?

Step 1: Download our app CardAlpha on your smartphone or tablet device (Apple or Android device)

Step 2: Select “SIGN UP” and provide your basic details.
If you operate as a Limited Company, we will require few details about yourself and your business including address, beneficial owner details, director's details etc. The App automatically connects to Companies House database to extract all available information to save you the hassle of entering details.

You can also apply as a Sole Trader by selecting that option from within the App.

Step 3: Provide necessary financial details.
We will require your anticipated or actual card volumes per month, ticket size of a typical card transaction, your annual sales turnover, etc. We will also ask you to provide details of a bank account where card settlements can be made. We will use this account for setting up a direct debit instruction for the purchase of the card reader. We will share with you the details of the card reader to be purchased by you, the applicable price and also the price for processing card payments. This is based on the information shared by our merchant acquirer, Bambora. You will be asked to enter bank account details twice for these both purposes, once for Bambora, our merchant account provider; and the other for Go Cardless, for direct debits.

Step 4: Our merchant partner, Bambora, will verify your details for account approval.
Once all the above details are collected, we will pass on your application to Bambora, which will perform underwriting and Anti Money Laundering checks against your application. They generally revert back within 48 hours with the status update. If your information is sufficient and valid, you will receive a contract from Bambora. Kindly confirm this contract and upload your identity proof and residence proof as per their instructions.

Step 5: Sit back and relax. We will dispatch your card reader (Miura M10) to your business address.
Once you receive the terminal , you can start using the point of sale system, and the card reader to process sales transactions.

How do I pair my Miura M10 card reader with the ePOS app?

Step 1: On the card reader do the following:·    
Start the card reader by pressing the power key and wait until the Bluetooth logo appears in the upper left corner of the screen.      

Hold down the green [✔] key until the Bluetooth symbol in the upper left corner of the display starts to blink.

Step 2: Switch over to your phone or tablet and do the following:
In the Settings App, go to Bluetooth and make sure it’s turned on.
In the Devices section, a device named “Miura” should appear.      
Tap on the device to initialize the pairing.
ap the Pair button of the alert that will appear soon.

Step 3: On the card reader:
Press the green [✔] key to confirm the pairing.

Step 4: On your phone or tablet :
Verify, that it says “Connected” right next to the device name in the Devices section. Once the card reader and phone/tablet are connected, you are all set to process a sales transaction.

What is my upfront cost to install the ePOS solution?

Our application is free, and there is no "in-app purchase" to unlock any features. If you choose to take all payments by cash, then you can practically have a zero-cost ePOS setup.

If you choose to enable payments by cards or mobile NFC, then you will have to purchase a separate card reader terminal. Via our partner, PayWorks, provide you with a Miura M10 card reader. You can order one within our App, and we will place an order with PayWorks to have it shipped out to your business address in a few days. The fixed one-time cost for Miura M10 card reader is £160 plus VAT.

How do I start using the Point of Sale solution?

Step 1: Log-in to the ePOS app on your smartphone or tablet, using the log-in id and password you chose, when you signed up for CardAlpha.

Step 2: Add your store items to the ECR - electronic cash register within the app.
Add items to the electronic cash register (ECR) by keying in product descriptions, prices, VAT, product images, and inventory details or going to the Help section and requesting a batch upload file. The batch upload file allows you to upload many items at one go when you are building your product catalogue for the first time, and thereafter add additional items once you’ve built a product catalogue in the ePOS App.

Step 3: Pair your card reader (Miura M10) with our app using bluetooth.
Your card reader (Miura M10) should be on its way to your place of business and once you receive it, you will need to pair it with your smartphone or tablet device (where the ePOS app is installed) using a Bluetooth connection. Once this is done, you are ready to access your product catalogue, add items to the shopping basket and progress the check-out to payments stage. You can accept both card and cash payments with the ePOS App.

How do I add another user under my main account (for example provide a sub-account to my employee)?

Step 1: Log-in to the ePOS app and select the "help" menu.

Step 2: Select the "Employee management" sub-menu.
On the top right corner, you will see an "invite user" option. Use this option to provide an email address for the user, whereupon the user will receive an invitation email to open a sub-account. If no such email is received, a re-invite button (next to the delete account button) can be used to re-send the invitation email.

Step 3: Sub-user registration
The user will receive an email with a link stating, “complete registration”. Once they select this link, they will be taken to a page where they will need  to enter their phone number, and enter an OTP (one time passcode) which will be sent via a SMS message. They will then be asked to create a password.  

This concludes the sub-account registration process, and the employee can log-in using their email address and password, as a registered user. The employee can use the App for most functions, similar to the main account holder, however they will not be able to issue refunds for security reasons. All Refunds will need to be initiated by the main account holder.

How do I create a shopping basket and process cash or card payments?
  • Open our CardAlpha app, and select the Payments from the bottom menu.
  • Assuming that you have already added your store items into our App's ECR - electronic cash register, search and select the items your customer is buying and add them to the App's basket.
  • If you already had entered the SKU and UPC/EAN 13 digit codes in the ECR database, you can scan the product's barcode with our in-built scanner to identify and add the item to the shopping basket.
  • Once all the items are added in the basket, tap on Checkout and then select Cash or Card payment as per your customer's choice.
  • For cash transactions, our App automatically records the details once you confirm the transaction.
  • For card transactions, our App will communicate automatically with your card reader to take contactless, or Chip & Pin card payments.  
  • When it comes to printing sales receipts:
    1. You can choose to email a digital receipt
    2. Generate a QR code of the receipt, which your customer can scan using their smartphones' camera
    3. Print a physical receipt using a Star Micronics  printer (Check the help section on the ePOS App for compatible printers)
How do I process delayed check-outs?
  • This function is useful for Restaurants and Cafes, for example,  where customers may give an order for food and drinks initially and a bill/check is presented later forpayments.
  • If you don't wish to checkout the customer  basket immediately, you can then save the basket with selected items, under a basket name (for example with the customer's name or a table number in a  restaurant) and choose to checkout later. To access this function, you will need to tap the shopping cart icon on the bottom left of the screen.
  • To retrieve a saved basket, you can tap the shopping cart icon from the Payments menu option and then select load basket. You will be presented with a list of saved baskets to choose from, and to proceed to check out.
How do I process tips/gratuity payments?
  • Certain merchants especially in the Restaurants and Cafe verticals may require an additional functionality for tips/gratuity payments (the terms tips and gratuities are being used interchangeably here).CardAlpha's ePOS treats tips and gratuities  as optional or discretionary service charges, paid voluntarily by customers. As such they are treated as outside the scope of  VAT by the ePOS (as per UK VAT notice 700, Section 8.14).
  • To set-up tip/gratuities on the ECR, you will need to create the the tip/gratuity as an item type in a manner, similar to how basket discounts are set-up (but of course the tips/gratuity will work in an opposite manner to basket level discounts). In the description field, you can enter any name for the tip, for example "Tip 10%". You can leave the SKU, EAN/UPC and category fields blank. Under the Unit type field choose Tip/Gratuity % as an option and enter the numerical value of the discount. To enter 10% tip, just enter the number 10. And save the entry.
  • The tip/gratuity % will now be available in the ECR as a product type, with its description field and can be selected alongside any normal products/service to create the order basket.
How do I add products to the CardAlpha app?
  • Open our CardAlpha app, and select the ECR from the bottom menu.
  • Click on the "+" button, and add product descriptions with images, prices, VAT, and inventory details. To upload many items with one click, go to Help and request for batch upload.
  • While creating your ECR, please note the relative importance of SKU and UPC/EAN (13 digit) codes. SKU (Stock Keeping Unit) is an identifier for each unique product, generated by a retail business for their own internal use. If you want, you can create and add it in our App for a better inventory management.
  • UPC or EAN is a 13 digit standardised universal code utilised within Europe to identify an individual product unit. You have the option to specify EAN/UPC codes, which you can obtain from your Supplier and add it to the product database. During sales check-out you can scan the barcode with our in-built barcode application to identify the item and add it to the shopping basket.
How do I issue refunds?
  • Open our CardAlpha app, and select the Payments from the bottom menu.
  • Click on the Transactions in the top right corner.
  • Pull out the specific transaction details (for the transaction to be refunded) by using the amount, date, or a receipt number.
  • Once the transaction has been located, the relevant basket items with their quantities will be available on the screen.
  • You can issue a full or a partial refunds by using the “-“ (minus) to decrease the quantities of the items.
  • If the original item was paid for in cash, the App will instruct you to refund the cash amount and provide you with an option to generate a receipt.
  • If the item was originally paid for by a card, the correct amount will be automatically refunded to the customer's card which was used for the original payment. And a refund receipt option will be made available.
  • In case of a basket level discount, the App will first prompt you to refund the entire basket, after which, the basket will be re-presented with original quantities, discounts etc. Now you can amend it as required based on the new shopping basket details and proceed to a new checkout.
Which pricing sub-elements determine the Gross Amount to be charged for a SKU?

Retail price per unit (ppu) : This is the original list price of the SKU item before any VAT or discounts.

Item level discount % or ID%: This is a percentage discount applicable to the retail price of an item.

Basket level discount % or BD%: It is the percentage discount applied to all items within a shopping basket. If an item discount is already available, the BD% will be applied together with the  ID% to determine the final applicable discount.

Net price: It is the Retail price per unit (ppu) less any applicable discounts, multiplied by Quantity.

VAT %: This is the applicable VAT %, with the VAT % amount based on what has been supplied by the user while setting up the item on the catalogue.

Gross price: This is the Net price plus applicable VAT. This is the transaction price which is charged to the Cardholder.

How do transactions get rounded up or down?

We round off any list price, discounts applied and VAT amounts to the nearest penny. If the fraction of the penny is 0.5 or more, we round up to the next whole penny. If the fraction of the penny is below 0.5, we round below. With this rule, if any amount is 45.666, we will treat the rounded-off amount as 45.67. If on the other hand, the amount is 45.454, we will treat the rounded-off amount as 45.45.

How do I reach you or Bambora if I need support or have any issues related to my account

For any questions or issues relating to the Point of Sale solution (the ePOS app) or the card reader you  can contact us using the Chat option on the ePOS app. You can also email us at

For any service issues related to card payments, settlements, refunds, fee applied on card payments, chargebacks and any other queries related to your Bambora merchant card processing account, you will need to contact Bambora directly at this email id, Upon contacting this email address, you will receive a case number from Bambora. In case you do not hear back from Bambora (+3 days), you can contact us with this case number and we will do our best to escalate your issue with the Bambora team.

about CardAlpha

CardAlpha is a financial technology company based in London. CardAlpha's ePOS App converts a small business owner's tablet or smartphone device into a powerful electronic cash register featuring a product catalogue with item description, prices, discounts, inventory tracking and digital receipts.

The App is integrated with a card reader and tracks cash sales and processes card transactions directly from the cash register, making it a powerful accessory for day - to - day sales management.