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

Company replied

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

Company replied

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

Company replied

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
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Rated 1 out of 5 stars

It was delivered to the wrong place and…

It was delivered to the wrong place and after numerous phonecalls I still haven't received a replacement or any documentation

19 January 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Quantum Sporting Club,
Thank you for taking the time to share your feedback — I’m really sorry to hear about your experience and that, despite several calls, your issue still hasn’t been resolved. This isn’t the level of service we want for our customers, and I completely understand how frustrating this must have been for you.
I want to assure you that we take your concerns seriously. I’ve flagged this so we can review what has happened and make sure the right team picks this up. We’ll work to get this resolved as quickly as possible and ensure you receive the support you need.
Thank you again for bringing this to our attention, and for your patience while we put things right.
Kind regards,
Sarah Cantrell - Lloyds Bank Cardnet

Rated 4 out of 5 stars

Easy to install but I've personally…

Easy to install but I've personally struggled accessing the carnet app, Dojo app was easier to use and accessible without jumping through a million security questions

5 February 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon Lisa

Thank you for your review and positive feedback.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Excellent service

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. I am delighted to have James look after our account. Thank you!

5 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Hayley,

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

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Troublefree service

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 leading to our purchase.

4 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Morning David

Thank you for your review and positive feedback.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

A big thank you

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 experience, which is exactly what you want from a card payment provider. Thank you Michael and the team.

31 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi K Raval,

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

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 3 out of 5 stars

Good customer support

Cardnet & Paydit can be confusing applications to navigate & deploy. However Anisah Akram's help from the Customer Development team enabled me to get the job done much more easily. She was very supportive and helpful. Thank you.

30 January 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi David,

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

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Great service

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 resolving queries and requests. Issues are handled diligently and in a timely manner, which has made the experience very smooth overall. Highly recommended

3 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Yasser,

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

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Dulcie - Thank You

Dulcie, has been super helpful and prompt when it comes to our business needs and requests.
A pleasure to work with. It is always lovely to speak to a person when dealing with these matters. Thank you LYH

2 February 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Laura,

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

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 1 out of 5 stars

Very poor and unprofessional customer…

Very poor and unprofessional customer service on every level.

28 January 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Mr Swords,
Thank you for taking the time to share your feedback. I’m really sorry to hear that you feel the service you received was poor — that’s absolutely not the experience we want for any of our customers.
We take concerns like yours very seriously, and we will be reviewing your case in detail to understand what went wrong and how we can put it right.
Thank you again for bringing this to our attention — we appreciate the opportunity to make things better.
Kind regards,
Sarah Cantrell - Lloyds Bank Cardnet

Rated 5 out of 5 stars

Very helpful and friendly

Very helpful and friendly
Chatted about what we needed for the business and was a really big help.

2 February 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Good Afternoon

Thank you for your review and positive feedback.

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

An incredibly smooth onboarding process…

An incredibly smooth onboarding process with Richard Freestone. Richard was diligent, friendly and went the extra mile to get everything in place.

26 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Matt,

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

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Incredibly friendly and knowledgable

I recently spent some time on the phone with David (guy) discussing our current rates, he was friendly and knowledgeable, he was able to reduce our current rates and showed me other ways of using cardnet to help our business.
Thanks David

29 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Dale,

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

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Really helpful

The card net representative was knowledgeable and very courteous. It was really helpful to have my queries answered ahead of signing the document.

28 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Margaret,

Thank you for your review and positive feedback.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Very pleasant to deal with

Very pleasant to deal with - efficient and knowledgeable, Dominika couldn't have been more helpfull

22 January 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Hood Motors Kilmarnock,

Thank you for your review and positive feedback which I will share with Dominika.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Excellent Customer Service

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 through the steps and organising everything. She kept me updated every step of the way and make it an easy process.

Excellent customer service.

22 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Hampden Sports Clinic,

Thank you for your review and positive feedback which I will share with Rebecca.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

I dealt with Peter throughout our…

I dealt with Peter throughout our switchover. He led us through the transition with ease. I highly recommend cardnet to anyone in business.

26 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Jack,

Thank you for your review and positive feedback.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

I received excellent service

I received excellent service and found the application process to be easy and quick. Importantly, I received the card the day after I received confirmation from Cardnet. Nick Wood was an assistant throughout the application process and provided exceptional customer service, promptly answering all my questions. I recommend this service to all small businesses.

23 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Mohamed,

Thank you for your review and positive feedback which I will share with Nick Wood

Regards,
Sarah Watson – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Discussing card payment fees

I had a telephone conversations with Adam Daniels
today and Adam was very helpful and professional
In the way he handled my enquires.
It was so easy to claim the information I needed on the day

23 January 2026
Unprompted review
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Sharon,

Thank you for your review and positive feedback which I will share with Adam.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

Rated 5 out of 5 stars

Very polite and informative

Very polite and informative and was interested in my Company requirements and my questions rather than just trying to sell

13 January 2026
Lloyds Cardnet logo

Reply from Lloyds Cardnet

Hi Fionac,

Thank you for your review and positive feedback.

Regards,
Sarah Cantrell – Lloyds Bank Cardnet

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