For the card reader you can pay around £45, I got mine on offer and if you're insurance is with BABTAC you get a discount. You put the card into the reader, but key in amount into app. Both connect via Bluetooth. Customer puts in pin on the card reader. You can email receipts through the app. The helpline is very good and no extra costs apart from a small percentage of your transaction. Also the more you use it the cheaper it becomes for you. Unfortunately I've only got a handful of clients who use their card. Quite a few make a direct transfer into my account. Xx