Lloyds Cardnet Reviews 370

TrustScore 4.5 out of 5

4.5

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and availability, making interactions pleasant and productive. Many people highlight the exceptional customer service, appreciating the personalized and understanding approach. The service provided is frequently described as excellent, with consumers noting the efficiency and ease of their overall experience, including the smooth transition processes and user-friendly terminals. However, some customers also noted issues with payment-related matters. A few people reported difficulties with getting their payment systems to operate, while others experienced issues with account management. Some reviewers were not happy with the customer service in these instances, mentioning disconnections during calls and a lack of transparency or support regarding payment issues.

What people talk about most

Staff

Users describe positive interactions with staff. Customers consistently praise the staff for being helpful,... See more

Customer service

Customers consistently note positive experiences with customer service. Many reviewers praise the helpfulness... See more

Service

People report positive experiences with service. Customers consistently praise the thorough, professional,... See more

User experience

Customers generally report positive experiences with the user experience, finding processes simple, easy to... See more

Payment

Consumers find payment experiences to be ambiguous. Many reviewers praise the smooth transition to new... See more

Based on these reviews

Rated 5 out of 5 stars

After banking with Lloyds Bank for over 30 years, we had never managed to set up a Cardnet account. However, after getting in touch, Daniel Jacobs made the whole process incredibly easy. Dan was... See more

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Rated 5 out of 5 stars

Poppy Ford called our busy office and was instantly very pleasant to speak with. To be honest, we usually don’t accept similar calls unless they come from a direct client. However, I could tell th... See more

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Rated 5 out of 5 stars

Our company recently moved away from our current merchant payments provider to Lloyds Cardnet with the help and support from Deepak Joshi who was absolutely fantastic in ensuring the transition we... See more

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Rated 5 out of 5 stars

We were reviewing our options when our previous provider decided to increase rates quite significantly. Lloyds being our bankers pointed us in the direction of Lloyds Cardnet to obtain a quote to move... See more

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Rated 5 out of 5 stars

I was struggling a bit finding the correct payment system for my company. We bank with Lloyds so i rang for some assistance. Matthew helped me step by step pick the best option for us, advising of all... See more

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Rated 5 out of 5 stars

I had my yearly teams meeting with my account manager Jessica Martin which was very thorough and helpful especially with one of my shops still needing pci.. Jess is lovey and very professional she a... See more

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Rated 5 out of 5 stars

After over two years of using Lloyds Cardnet, we can confidently say the service has been great. Everything works as it should, with no unnecessary complications. It’s been a genuinely hassle-free exp... See more

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Rated 5 out of 5 stars

We were looking to add an additional card machine to the ones we have for a new satellite clinic we are setting up plus also get a review of our deal. Rebecca Debotte was brilliant at taking me t... See more

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Rated 5 out of 5 stars

James Gale has recently become our relationship Manager and once again he has assisted with linking accounts to our Portal and making life so much easier. He works quickly, very efficient and always... See more

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Rated 5 out of 5 stars

The process was simple, easy to understand, professional and highly efficient. Matthew Crouch assisted me in choosing the right product for my needs. He was professional, clear, and provided all the... See more

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Rated 5 out of 5 stars

We've been using Lloyds Cardnet for about five years and the service has been excellent. The terminals are simple to use. We’ve only had a few minor issues in that time, and each one was sorted quic... See more

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Rated 5 out of 5 stars

Cleo (the agent) was very helpful throughout the call, explaining all the ins and outs of the new contract for my new credit card machine, she even helped me with the online form and pointing out wher... See more

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Rated 5 out of 5 stars

The service that was offered, then accepted, coupled with the training was provided has been exceptional from start to finish! Additionally the ability to tailor how the service looks to the cus... See more

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Rated 4 out of 5 stars

The replacement card reader pairs with the phone! Thank heavens. At last. Communication has been a bit long winded but we got there in the end. Phone staff have been polite, but I don't remember my... See more

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Rated 5 out of 5 stars

I dont usually write reviews, but some people deserve more than a 5 star review in general cardnet is great but ( Nick Wood ) is your man if you need help ), I must admit his very reliable, patient,... See more

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Rated 5 out of 5 stars

Lloyds Cardnet have provided me with an excellent and competitve solution for my business. We were let down by another provider shutting down their payment service. Michael Scott has been very pro act... See more

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Rated 5 out of 5 stars

Spoke to Richard at Cardnet as our existing mahcines from another supplier were outdated and the rates high. Richard gave us extremely competitive rates and , as promised 3 shiny new mahcines arrived... See more

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Rated 1 out of 5 stars

my experience, this has been the worst bank I’ve ever dealt with. They suddenly shut down my account without giving me a clear explanation, and as a result they held my money around £6,000 for si... See more

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Rated 1 out of 5 stars

No one has been in contact regarding my new card terminal which is still in its box, having taken some days to arrive. However, I have received a bill for the rest of this year for my OLD terminal wh... See more

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Rated 5 out of 5 stars

Our business has recently moved to Lloyds CardNet and this has been a smooth transition. Michael Scott has always been on hand with prompt responses to any questions or queries we may have. He has bee... See more

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Rated 5 out of 5 stars

Cleo explained what we needed and helped us make a decision on what seemed best for our situation. She understood that a contract could not be signed straight away, but helped with little reminders... See more

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Rated 1 out of 5 stars

We have had our business accounts with Lloyds for over 27 years. I can't tell you how much money we have put through our business accounts. A few years ago, we asked for them to sign us up f... See more

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Rated 5 out of 5 stars

Since our first enquiry Ian has been friendly, offered good advice, knowledgeable about what is available and how we could benefit and honest. We received our new PDQ machines last week, and so far... See more

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Rated 5 out of 5 stars

Richard Freestone was extremely helpful during the application process. He explained everything in detail and was always available to help with the application and to answer any questions. Richard wa... See more

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Rated 5 out of 5 stars

Our relationship manager, James Gale made the process of renewing our contract so easy and straightforward. He was knowledgeable, patient and extremely helpful throughout. I cannot fault him in anyway... See more

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Rated 2 out of 5 stars

Cardnet machine drops connection constantly often part way through payment. Would not recommend unfortunately. If it worked correctly I think it would be good for my business

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Rated 5 out of 5 stars

Really excellent service from Cardnet. Dominika Condor went above and beyond to meet our business requirements, we have been clients for many years and couldn’t recommend them highly enough. Many tha... See more

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Rated 5 out of 5 stars

Cleo was very helpful and understanding from the off, she did as she said she was going to do on all aspects and managed to get me renew our contract with Cardnet. All in all great member of staff.

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Rated 5 out of 5 stars

I find Cardnet to be both professional and helpful. My Relationship Manager was courteous and covered all aspects of our needs. It also gives our business gravitas to have a car provider backed by Llo... See more

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Rated 5 out of 5 stars

Jess is very helpful she made sure that if we got queries, she'll be able to attend and direct us to the right department. We really appreciate her checking back to us and catching up on what's happe... See more

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Rated 5 out of 5 stars

Our company have been with Cardnet now for a number of years and I have never had an issue with there service or products. The online Cardnet system is very easy to use compared to other systems i hav... See more

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Rated 5 out of 5 stars

I am Treasurer of a small community group which recently moved its account to Lloyds. From just one telephone enquiry, on the same day, Lloyds Bank Cardnet sent a prefilled authorisation form and fol... See more

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Rated 5 out of 5 stars

I'm very happy with my choice to go with Cardnet. I got a good deal and the support has been excellent. Plus It made sense as I already do my banking with Lloyds. The card payment terminal is very... See more

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Rated 1 out of 5 stars

Bad customer service they disconnect the call without solving the problem no matter you speak best polite way, it happend to me 4 times.i got trapped in to card terminal contract by handypay. Handypay... See more

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Rated 5 out of 5 stars

A huge thank you to Kelly Merritt, who resolved my query the same day I was informed and updated with the progress of my query and received a follow up message to check I was happy with the outcome. F... See more

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Rated 5 out of 5 stars

The service has been trouble free for. I am the treasurer of a club for classic car owners which decided that we needed a modern way of receiving moneys. The advice that we received was very sound lea... See more

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Rated 1 out of 5 stars

We purchased the MPOS devices as we are on a budget. The devices were for a small festival and were to be used at the bar. First of all, the devices struggle to remain connected to the phones. W... See more

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Rated 5 out of 5 stars

Application was straight forward, though the auto correct on how much would you use the card machine as a number would not accept over £2k, our first use was for £5.5k & the machine worked seamlessly... See more

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Rated 5 out of 5 stars

Superbly easy and friendly communication. I'm always impressed when people actually appear to care - and act efficiently and swiftly, but manage to remain easy to speak to. 5 stars!

Company replied

Rated 5 out of 5 stars

My card machine contract with Lloyds had expired and I was trying to sort a new contract, as much as I didn't end up going with Lloyds and managed to find a cheaper company, Cleo went above and beyond... See more

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Rated 5 out of 5 stars

We received great advice and support from Daniel Jacobs who made sure we received the correct card payment service to meet our needs. Everything was explained clearly and the whole process was extrem... See more

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Rated 5 out of 5 stars

I’ve been with Cardnet for just over a year and the level of service has been excellent throughout. My account manager, Michael Scott, has consistently been responsive, helpful, and proactive in resol... See more

Company replied

Rated 5 out of 5 stars

Daniel Jacobs' advice (after listening to our needs) on which product would be most suitable for us was excellent. Likewise Daniel supported us through the steps necessary to open the account in a man... See more

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Rated 5 out of 5 stars

Friendly, helpful service. Cardnet called me to check if I was happy with the service and if they could help me anymore and save money moving forward. Their customer sevice is polite, knowledgeable... See more

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Rated 5 out of 5 stars

Ihave had a card terminal for use in my taxi for a while now & my terminal was past it's best Kian Chappel from the company contacted me and explained I was due a new terminal & took time to explain w... See more

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Rated 5 out of 5 stars

A straight forward efficient service complimented by a friendly team particularly Sam Whitaker and Sarah Watson who both went that extra mile to make it an easy transition to card payments. Thanks b... See more

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Rated 5 out of 5 stars

Our experience of setting up card payments was very good. The staff (Carlton Lewin) took the time to understand our business and what we were trying to achieve and explained the process well.

Company replied

Rated 5 out of 5 stars

Anisha was so helpful, patient and knew all the answers to the questions I asked. She gave me advice about other ways of taking payments, but was not too pushy. This is the best experience I have e... See more

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Rated 5 out of 5 stars

I had the pleasure of talking to David Guy at Cardnet. He was very helpful and knowledgably regarding the upgrade we are having on our payment machine. His customer service 100% so thank you.

Company replied

Rated 1 out of 5 stars

Worst experience on the planet. Waited 20mins on the phone to only hear they can't give me access to my own account, after I had even passed verification. No access to merchant portal. Bearing in mind... See more

Company replied

Rated 1 out of 5 stars

Disappointing service. Withhold your money for ‘security’ checks then you have to call up multiple times to beg for it to be released, get told it will be the next day, then 1-3 days, hard to run a bu... See more

Company replied

Rated 5 out of 5 stars

I can't speak highly enough of Serhat Sandalci. He was not only knowledgeable and professional but also took the time to listen to us and provided an expert service. His customer service is second to... See more

Company replied

Rated 1 out of 5 stars

My 2nd 1 Star review - not recommended. Following my previous review, the service went from bad to worse. Only after my 1 star review did they get my portal access working yesterday for the fir... See more

Company replied


Company details

  1. #12 of 20 best companies in Card processing service
  2. #24 of 48 best companies in Bank
  3. #20 of 33 best companies in Ecommerce solution provider
  4. #36 of 63 best companies in 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

4.5

Excellent

TrustScore 4.5 out of 5

370 reviews

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

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Rated 5 out of 5 stars

Staff was very helpful and asked if I…

Staff was very helpful and asked if I needed anything

26 February 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Nigel,

Thank you for your review and positive feedback. We can see this relates to the support provided by our colleague Yagmur, who was on hand to help throughout. We will be sure to pass along your kind comments to them.

We really appreciate you taking the time to share your feedback.
Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Efficient Service

James Gale has recently become our relationship Manager and once again he has assisted with linking accounts to our Portal and making life so much easier. He works quickly, very efficient and always easily contactable
Once again - Thank You

24 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Angela

Thank you for your review and positive feedback. We will make sure to pass this onto James Gale.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Great experience dealing with Poppy

Great experience dealing with Poppy, no hassle just information needed, and signed documents easy to do.
Would recommend

25 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Karen

Thank you for your review and positive feedback. We will make sure to pass this onto Poppy.

Regards,

Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Lloyds Cardnet Assistance

I was struggling a bit finding the correct payment system for my company. We bank with Lloyds so i rang for some assistance. Matthew helped me step by step pick the best option for us, advising of all possible options/extras and helping us decide what we need and what we don't. The help made the process so much easier & he seemed happy to help at every step. Would definitely recommend.

19 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Connor,

Thank you for your review and positive feedback. We will make sure we pass this onto Matthew.

Regards,

Sarah – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Matthew crouch has been extremely…

Matthew crouch has been extremely helpful and professional, amazing service

24 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Gerald,

Thank you for your review and positive feedback. We will make sure we pass this onto Matthew Crouch.

Regards,

Sarah – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Prompt clear details from James our…

Prompt clear details from James our dedicated relationship manager

19 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Chris,

Thank you for your review and positive feedback. We will make sure we pass this onto James.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Absolutely by no shadow of doubt…

Absolutely by no shadow of doubt brilliant service and quick turnaround. Would highly recommend to other businesses.

19 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Jagdeep,

Thank you for your review and positive feedback. I can see this was Matthew Crouch that helped support with this. I will make sure we pass this onto Matthew.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Very happy with the service we receive

As always my meeting with Assam Salim was professional covered all the points for discussion in an efficient and convivial manner. WE are very happy with the service we receive.

9 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback. This is great to hear that Assam was professional and efficient, we will make sure we pass this onto him.

Regards,

Luke – Lloyds Bank Cardnet

Rated 4 out of 5 stars

The replacement card reader pairs.

The replacement card reader pairs with the phone! Thank heavens. At last. Communication has been a bit long winded but we got there in the end. Phone staff have been polite, but I don't remember my old reader being as difficult as this episode to get operating. Upgrade of software needed?
Thank you Sienna.

19 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Keith,

Thank you for your review and feedback. We are glad to hear that Sienna was able to step in and help to support and we will feed back your points raised.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Professional and Courteous

I find Cardnet to be both professional and helpful. My Relationship Manager was courteous and covered all aspects of our needs. It also gives our business gravitas to have a car provider backed by Lloyds Bank

18 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Simon,

Thank you for your review and positive feedback. We will make sure to pass this onto Luke.

Regards,

Emily – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Positive Experience

Matthew Crouch was extremely helpful from start to finish . He explained everything clearly , was very informative and made the whole process easy . A genuinely positive experience - highly recommend .

18 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback. This is great to hear that Matthew was extremely helpful, we will make sure we pass this onto Matthew.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

brilliant easy to use and understand

17 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Paul,

Thank you for your review and positive feedback. I can see this is linked to our colleague Deepak Joshi who was on hand to help and support. We will make sure we pass this great feedback on to Deepak. We appreciate you taking the time to provide feedback.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Serhat ran a review on our business…

Serhat ran a review on our business Cardnet account and was very helpful and we had a really positive result.

16 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi,

Thank you for your review and positive feedback. We will make sure to pass this onto Serhat.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Fantastic Service and support

Fantastic Service and support. Would highly recommend and Michael was brilliant with his communication and also support once all equipment was installed.

13 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Lee,

Thank you for your review and positive feedback. We will pass this onto Michael.

Regards,

Luke – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Lloyds Cardnet Implementation

System is quick, easy to use, simple to roll out and has good reporting functionality compared to other providers

13 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Davanti World Limited,

Thank you for your review and positive feedback.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

I had the pleasure of talking to David…

I had the pleasure of talking to David Guy at Cardnet. He was very helpful and knowledgably regarding the upgrade we are having on our payment machine.
His customer service 100% so thank you.

11 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Natallie,

Thank you for your review and positive feedback which I will ensure is shared with David Guy.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

the card reader was very easy to set up and use

support was offered ever set of the way. Lloyds team were professional and very informative. The card reader was easy to set up and even easier to use.

11 February 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon

Thank you for your review and positive feedback.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 4 out of 5 stars

The interaction with the Client Growth…

The interaction with the Client Growth team has been excellent. Approval was quick, and we were able to get up and running with the Lloyds Cardnet virtual terminal without much delay.

9 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Serge Santos

Thank you for your review and feedback which we will share with client growth.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Lloyds Cardnet - 5 star

We were reviewing our options when our previous provider decided to increase rates quite significantly. Lloyds being our bankers pointed us in the direction of Lloyds Cardnet to obtain a quote to move across. Michael Scott of Lloyds Cardnet merchant services managed to obtain a great deal for us, which enabled us to move across. The help and advice provided was excellent and the move seamless. Been with Cardnet over 4 months now. Would highly recommend.

1 October 2025
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Evening Malcolm Durbridge

Thank you for your review and feedback which we will share with Michael.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 4 out of 5 stars

The set up leaflet said to put the SIM…

The set up leaflet said to put the SIM card in - there wasn’t one in the box , so I rang to say it was missing - they said it was already inserted but if I’d opened the SIM card slot to check then the card reader wouldn’t work ( luckily I hadn’t thought to check if it was already in )
So , the instructions need to be corrected

5 February 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning Dolly Day Dreams Party Caravan

Thank you for your review and feedback which we will look into.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

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