Do card machine providers accept charities?
Card machine companies always have a list of restricted business types that they don’t accept.
While most registered companies and sole traders would fall under the “accepted merchant” category, not-for-profit organisations, community groups and individual fundraisers may not. That is why you can’t assume that any credit card machine you see online is suitable for your cause.
Charities, community groups and non-profit organisations can, however, use their business registration details to get a card machine from certain companies.
In contrast, no card terminals in the UK accept private individuals for independent/personal use. You must sign up through some kind of charity, business or organisation officially registered in the UK in order to get a card reader from one of the below providers.
Personal users who just want to raise casual donations in their personal bank account can’t create a card reader account, unless they register as a representative or staff member of a charity or non-profit. This is a normal restriction when getting a card machine in the UK, since payment companies have to comply with strict rules to prevent money-laundering and legally questionable activities.
Also beware that if you already have a business with a card machine, this cannot typically be used for other purposes, since the card reader is registered for the specific business only. Failing to comply with that can result in a frozen account.