Face to Face vs Online Payments

Understanding the Two Payment Types

In today’s fast-moving business environment, accepting payments in more than one way is essential. But depending on your business model, one payment type may suit you more than the other or you might benefit from using both.

Face-to-face payments (also known as in-person or card-present transactions) typically occur in retail shops, hospitality, trades or mobile businesses, where the customer physically taps or inserts their card.

Online payments, on the other hand, take place remotely via websites, payment links, or digital checkouts, ideal for e-commerce, services, and remote billing.

Both options have unique benefits and challenges. Knowing how they work can help you make smarter decisions and ensure your provider supports your preferred way of trading.

Key Differences Between Face-to-Face and Online Payments

Here’s how face-to-face and online payments compare across important business considerations:

Key Considerations at a Glance

Should You Offer Both Payment Options?

Many UK businesses are now hybrid, serving customers both in-store and online. Offering both types of payments allows you to maximise sales, improve customer experience, and future-proof your payment infrastructure.

You might start face to face and add an online checkout later, or expand from online to physical retail. Either way, the right provider should support both and help you manage them from one place.

Let’s Help You Choose the Right Fit

Whether you’re a small café, a growing online retailer, or a hybrid business doing both, we can help you find the best-value provider with the features you need. No pressure. No spam. Just clear guidance and payment solutions that work for your business.