Best card machine for Cash-and-carry and wholesale
Cash-and-carry depots, builders' merchants and wholesale trade counters. B2B-led with commercial cards common. Higher-value transactions and account-customer flow.
Our pick
Adyen or Worldpay tier-one terminal (above £40k monthly); Dojo Go below
Acquirer: Adyen for B2B-mix above £40k monthly; Dojo for smaller counters
B2B cash-and-carry sees a high commercial-card mix (interchange 1.5%+ unregulated). At volume, IC+ from Adyen or Worldpay materially beats blended because the commercial-card cost is exposed and surchargeable. Below £40k monthly, Dojo blended fits. Surcharging commercial cards is permitted in the UK and recovers the higher interchange directly.
Why this trade matters
- Cashflow shape
- Weekday-led with end-of-month invoice-pay-by-card surges. Account customers settle monthly; walk-in counter customers settle per visit.
- Average transaction
- £80 to £800+
- Contactless share
- ~30%
Watch outs
- Commercial-card interchange is unregulated; ensure pricing model exposes it.
- B2B surcharging is permitted under UK rules (consumer-card surcharging is banned). Configure surcharging carefully to apply only to commercial cards.
- Account-customer credit terms and delayed-pay flows need card-on-file consent capture.
- Higher single-transaction values trigger SCA chip-and-PIN or 3DS more often.
- Some acquirers do not underwrite cash-and-carry MCC at no-contract pricing.
Alternatives
- Stripe Reader S700 (custom POS integrations)
- Worldpay terminals (legacy depot estates)
Compare picks
How Adyen or Worldpay tier-one terminal (above £40k monthly); Dojo Go below stacks up
Cash-and-carry and wholesale by location
Locations we cover for Cash-and-carry and wholesale.
- Leicester
- Southall (Ealing)
- Wembley (Brent)
- Harrow
- Birmingham (Handsworth and Soho Road)
- Smethwick (Sandwell)
- Slough
- Coventry (Foleshill and Stoney Stanton)
- East Ham (Newham)
- Manchester (Cheetham Hill and Rusholme)
- Leeds (Harehills and Chapeltown)
- Wolverhampton (Bilston Road and Whitmore Reans)
- Tooting (Wandsworth)
- Bradford
- Forest Gate (Newham)
- Hounslow
Related on our sister sites
Need finance for your Cash-and-carry and wholesale business?
Card flow is the security on which most Cash-and-carry and wholesale businesses borrow. See our sister site BestBusinessLoans by sector for editorial reviews of UK lenders that fund Cash-and-carry and wholesale.
Founder & Managing Director, Muswell Rose, MerchantHQ
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 10 May 2026