Terms & Conditions
Last updated: 3 June 2026
1. About Us
Switch Your Card Machines (“we“, “us“, “our“) operates as an independent comparison and introduction service for UK businesses seeking card machine and merchant services providers. We are not a payment services provider, bank, or financial institution.
We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice. All information on our Site is provided for general informational and illustrative purposes only.
2. Our Comparison Service
Our Site provides a free-to-use comparison and introduction service. When you submit an enquiry, we may pass your details to one or more third-party payment service providers who may contact you with a quotation or further information.
We do not guarantee:
- that any provider will accept your application
- any specific rate, saving, or contract term
- the accuracy or completeness of any provider’s quoted rates at any given time
- the suitability of any provider or product for your particular business requirements
Any rates, savings estimates, or contract examples shown on this Site are illustrative only. Actual rates are determined solely by the relevant provider and will depend on your business type, monthly turnover, transaction mix, risk profile, and other factors assessed by the provider.
3. Savings Estimates and Calculator
The savings calculator provided on this Site is a tool intended solely to give an indicative illustration of potential fee differences based on the inputs you provide. It does not constitute a quote, offer, or guarantee of any kind.
Results are calculated using illustrative methodology and estimated competitive market rates. They should not be relied upon as a basis for financial decision-making without obtaining a formal, personalised quote from the relevant provider. Actual savings — if any — will depend on the terms agreed directly between you and your chosen provider.
4. Settlement and Contract Terms
Settlement timescales, contract durations, and flexibility vary significantly between providers. References to “next-day settlement” or similar terms on this Site relate to options that may be available from certain providers — they are not a universal feature of all providers we work with. Some providers offer 18-month or longer contracts. Please review all terms and conditions provided directly by your chosen provider before agreeing to switch.
5. Use of Our Website
You may use our Site only for lawful purposes and in accordance with these Terms. You must not:
- use our Site in any way that violates any applicable local, national, or international law or regulation
- transmit any unsolicited or unauthorised advertising or promotional material
- knowingly introduce viruses, trojans, worms, logic bombs, or other malicious material
- attempt to gain unauthorised access to our Site, the server on which it is stored, or any server, computer, or database connected to it
6. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Switch Your Card Machines or its content suppliers and is protected by United Kingdom and international copyright laws.
You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from this Site without our prior written consent.
Third-party brand names, logos, and trademarks appearing on this Site are the property of their respective owners and are used for identification purposes only. Their appearance does not imply any endorsement by or affiliation with those brands.
7. Disclaimer of Warranties
Our Site and its content are provided on an “as is” and “as available” basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our Site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify or withdraw access to the Site at any time without notice.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Switch Your Card Machines shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of, or inability to use, our Site or the comparison service.
We accept no liability for any loss or damage arising from your reliance on savings estimates, rate illustrations, or any other content on our Site. Any decision to switch payment provider should be made on the basis of formal quotations obtained directly from the relevant provider.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law.
9. Third-Party Links
Our Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of a link does not imply endorsement by us of that site or its operators.
10. Privacy
Your use of our Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data practices.
11. Governing Law and Jurisdiction
These Terms and any disputes arising from your use of our Site shall be governed by and construed in accordance with the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the courts of England and Wales in relation to any such disputes.
12. Changes to These Terms
We reserve the right to revise these Terms at any time. Changes will take effect immediately upon posting to the Site. The “Last updated” date at the top of this page will be updated accordingly. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.
13. Contact Us
If you have any questions about these Terms or our services, please get in touch using the quote form on our website. We aim to respond to all enquiries promptly.