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The right technology solutions are crucial to keeping sales smooth and customers satisfied. PDQ machines enable quick, secure and hassle-free payments, but with various options available, you’ll need to choose the right one to support your business.
We break down everything you need to know – from the different types of PDQ machines to the payment methods they support – so you can make an informed decision that benefits your business.
Introduction to PDQ machines: What are they and how do they work?
A process data quickly – or PDQ – machine is used to process card payments. Also known as a PDQ terminal or PDQ card machine, these devices have evolved significantly from the early days of manual card imprinters to the sleek, contactless-enabled machines consumers expect.
PDQ machines work by securely reading a customer’s debit or credit card, verifying the payment details and processing the transaction through a payment network. They support chip and PIN transactions, contactless payments and mobile wallet transactions like Apple Pay and Google Pay.
The latter is especially important, as contactless payments are rapidly growing – in December 2024, they represented 65% of credit card and 75% of debit card payments in the UK. Mobile wallet adoption is also rising, and it’s expected that contactless debit and credit card payment volumes will represent 45% of all payments made in the UK by 2033.
And with contactless transactions projected to exceed 25 billion annually by 2033, PDQ machines are essential for businesses looking to stay ahead.
Types of PDQ machines
Businesses can choose from different types of PDQ machines depending on their needs:
- Countertop PDQ machines: Ideal for fixed payment locations, these machines connect via Ethernet or a phone line and are commonly used in retail stores. Modern PDQ machines like the Square Register and Square Stand both connect via WiFi, and can accept payments offline in the event that internet connection is lost.
- Portable PDQ machines: These devices – such as the Square Terminal – connect via Wi-Fi or Bluetooth, allowing businesses to bring the payment terminal to the customer, which is perfect for hospitality settings.
- Mobile PDQ machines: These terminals are designed for businesses on the move, like the Square Reader, which uses mobile networks (3G/4G/5G) to process payments anywhere, while Square’s easy Tap to Pay feature is ideal for market traders and event vendors.
Payment methods supported by PDQ machines
Modern PDQ machines support a range of payment methods, ensuring you can cater to every customer’s preference. Square’s payment solutions enable businesses to accept these payment types:
- Chip and PIN: Customers insert their card and enter a secure PIN code
- Contactless payments: Customers tap their card or mobile device for quick transactions
- Mobile wallets: Apple Pay, Google Pay and Samsung Pay allow users to pay via smartphones or smartwatches
Benefits of using a PDQ machine
Implementing a PDQ machine can significantly enhance the speed and convenience of your business operations. With the ability to process contactless, chip & PIN and mobile wallet payments, PDQ machines help reduce wait times, improve customer satisfaction and keep queues moving efficiently. Transactions are completed instantly, streamlining daily operations.
Beyond convenience, PDQ machines can drive business growth by increasing sales opportunities. Offering multiple payment methods – including debit, credit and mobile payments – ensures customers aren’t turned away due to cash-only limitations. This flexibility makes it easier to attract a broader customer base and capture more sales.
Security is another major benefit, as PDQ machines use end-to-end encryption to protect customer data and minimise the risk of fraud. Additionally, integrated systems, such as Square’s PDQ terminals, go beyond payment processing by assisting with inventory management, sales tracking and real-time reporting. These features provide valuable insights that help business owners make informed decisions and optimise their operations.
How to choose a PDQ machine
When selecting a PDQ machine, it’s important to choose one that accepts multiple payment types, supports your business’s overall operations, and offers features that will allow your business to grow, so consider the following factors:
- Business type: Retail stores may benefit from countertop PDQ terminals, while mobile businesses should opt for a portable or mobile device.
- Connectivity: Ensure the machine supports Wi-Fi, Ethernet or mobile networks based on your needs. If you’re processing a high volume of sales, you may want to look for a machine that will continue working even if you lose internet connection.
- Transaction fees: Look for providers offering transparent pricing. Square’s payment processing uses flat-rate pricing, so you know exactly what to expect with no hidden fees.
- Additional features: Square PDQ – a card payment reader from Square that facilitates the acceptance of chip and contactless payments – comes with a full ecosystem of tools to help you thrive, such as online store capabilities, staff/team management tools and even banking to power your entire business.
Explore Square’s PDQ solutions and discover how Square can help your business enhance customer experience, streamline operations and stay competitive in an increasingly cashless world.
