card machines

5 card machine options in 2022

If you're looking for a card machine for your business, how about checking out the top 5 card machine options for 2022. Here you'll find everything from simple models to the most advanced ones. Thus, you can choose the one that best suits your reality.

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Check out the best card machines on the market

Conheça as melhores maquininhas de cartão do mercado. Fonte: Pexels.
Discover the best card machines on the market. Source: Pexels.

There are only advantages to having a card machine. The first one is to offer ease of payment. With this, you retain customers and attract new ones. Want more benefits? Having a card machine brings security. The presence of the equipment puts an end to the circulation of physical money. Are you convinced why it is an important part of your venture's success? So, check out the 5 best card machine bets for 2022. 

1. Cielo Zip

Cielo Zip's main attractions are its size and connectivity. It can be carried in your pocket as it is small and light. Regarding connectivity, it has a data chip included and can be used with a Wi-Fi connection. All this without needing a cell phone. 

The characteristics of the Cielo Zip machine are suitable for self-employed professionals. Street and door-to-door vendors, personal trainers, dentists, taxi drivers and manicurists are the target audience. Do you work in any of these roles? Then she is perfect for you.

The Cielo Zip machine accepts several types of payment, including approximation. There are more than 80 flags for debit, credit, credit cards and vouchers. Do you work with food? This machine also accepts food and meal vouchers.

What about sales receipts? You choose whether you want to receive it in a checking or savings account. If you prefer, you can also send your profits to the Cielo digital account. 

Check the fees charged in the table below:

debit rate2,39%
upfront credit rate4,99%
Installment credit rate5,59%
Additional per installment2,99% per installment
Benefits No need for a cell phone, accept payment with approximation
Fees charged by Cielo Zip

2. Sky Flash

Cielo Flash processes each sale in 3 seconds. This ultra-fast processing is secure and makes your trade more competitive. The voucher can be sent by email or SMS.

Regarding accepted brands and payment methods, it is the same as Cielo Zip. Cielo Flash's great differential is accepting payments by approximation and QR Code. You don't need to do any configuration. It's pretty easy for anyone to waste time. Thus, you retain customers who never give up technology. 

Regarding connectivity, the Cielo Flash machine works with 3G and Wi-Fi. When purchasing Cielo Flash, you receive a chip and data plan. The kit also comes with a long-lasting battery, coil and printer. 

With Cielo Flash, receipt of sales is within 2 business days at the bank you indicated. No fuss so you never run out of money in your account. Regarding the tax on sales, the percentage is the same as that of Cielo Zip:

debit rate2,39%
upfront credit rate4,99%
Installment credit rate5,59%
Additional per installment2,99% per installment
Benefits Transactions in 3 seconds, mobile recharge with commission
Percentage per Cielo Flash sale

3. Ton

Maquininha de cartão Ton. Fonte: Ton.
Ton card machine. Source: Ton.

One of the great attractions is not having a monthly fee, that is, when purchasing any model, you only pay its value. Through the machine, you can receive in 1 business day, 14 days or 30 days. The amount falls into the digital account and can be transferred to a checking account.

On the other hand, the portfolio of accepted brands is small. Ton accepts Mastercard, Visa, Elo, Hipercard and American Express. See a brief comparison between the card machines below. 

  • T1 Giga: the “entrance” card machine is small and light. On the other hand, it requires a cell phone with bluetooth connected to the equipment. Proof can be sent via App and SMS;
  • T1 Giga Chip: small and light, it does not require a cell phone and works with a chip and Wi-Fi. Accept payment by approximation. Vouchers can be sent via Ton app or SMS;
  • T2+ Giga: small and light, it has the same characteristics as the T1 Chip Giga. The differential is the battery that lasts more than 12 hours;
  • T3 Giga: bigger and more robust, the T3 is similar to the T2+ Giga. The particularities are the printed voucher and the operation with a chip.

See how interesting the percentage per sale. Know that there are three types of plan, GigaTon (the most requested!), MegaTon and Basic. See the table we prepared related to the GigaTon plan:

debit rateStarting from 1,45%
upfront credit rateStarting from 2,90%
Installment credit rateStarting at 4,59%
Additional per installment0,33%
Benefits approximation payment
Sales rate of the Ton card machine in the GigaTon plan

How to apply for the Ton card

Ton Card is a credit card option, free of annuity and minimum income, so we will show you how to apply for this card.

4. Stone

Entitled “partner of the Brazilian entrepreneur”, Stone's machine has personalized rates. They are determined by your segment and billing. You must contact us to find out the percentages applicable to your business. 

The list of supported flags is longer. Between credit and debit there are 17 brands, such as Mastercard, Visa, Elo, among others. Already on the voucher are 11 flags, such as Sodexo, VR, Ticket, etc. This is good for increasing the number of customers. 

With Stone's card machine, you sell credit and debit. Connected to trends, it is also possible to sell via payment link, boleto and PIX. This is another factor that helps you retain and attract more customers. 

Sales by the means mentioned above are fast and safe. Do you know how long it takes you to receive sales via PIX? In up to 10 seconds, regardless of the day and time. 

About connectivity, Stone promises speed. It works with a chip on 2G or 3G. The battery, according to the company has high durability, however, the official website does not inform the time.

Remember we talked about rates vary by segment and billing? To help you decide, we've brought you this estimate:

debit rateStarting from 1,45%
upfront credit rateMinimum of 2,90%
Installment credit rateFrom 4,04%
Additional per installmentVaries according to the number of installments
Benefits Sale facilitated by social networks, payment with approximation
Estimate of percentages on sales

5. PagSeguro

The main advantage of the PagSeguro machine is that it does not have to rent. And the fees are low, however, they vary according to the billing, however, they start at 1.9% in debit. In the voucher option, you must consult the flag.

Speaking of brands, PagSeguro accepts 17, with Mastercard, Visa, Elo and Amex among the main ones. 

Diversity is also present in the number of machines. You have 7 options, each one designed for a specific profile, get to know:

  • Mini NFC: is the PagSeguro card machine ideal for those who sell in a short time. Accepts all flags and makes approximation payments. How it works depends on the cell phone;
  • Minizinha Chip 2: you don't need a cell phone and you still get a chip and data plan. More robust than the previous one, it allows sending proof via SMS or email;
  • Moderninha Wi-Fi Plus: this one is for you who are MEI or work as a freelancer. Comes with long-lasting battery, chip and free data plan;
  • Moderninha Pro: ideal for high sales flow. Allows approximation payments. You get free reels;
  • Trendy X: there are 22 forms of payment and sales management through the PagVendas application. High-lasting battery and technology for you to sell more;
  • Moderninha Smart: faster sales and complete inventory management through the PagVendas app;
  • PagPhone: card machine in smartphone format. With it, you can sell, pay and answer messages, all with the same equipment.

With so many options it's hard to choose, isn't it? The tip is: find out what your needs are. To help, see an estimate of the fees charged per sale below.

debit rate1,99%
upfront credit rate3,19%
Installment credit rate3,79%
Additional per installment1.41% per installment
Benefits Receive money on time
Estimate of PagSeguro fees

How to apply for a PagSeguro credit card

You can apply for the PagSeguro card in several different ways. So, see here how to apply and order yours right now!

About the author  /  Sumaya Santana

Graduated in Radio and TV, I've been a freelance writer since 2015. I've already written a lot of news about public tenders and now, I'm in the challenge of producing content related to financial products and helping people to make good use of them.

Reviewed by  /  Junior Aguiar

Senior Editor

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