What Is PDQ? Complete Guide

PDQ stands for Process Data Quickly. In the payments industry, it refers to a PDQ machine, a type of card payment terminal that lets businesses accept credit and debit card payments quickly and securely.

What Does PDQ Stand For?

PDQ = Process Data Quickly.

The term originated from early payment systems that needed to quickly process card transactions. Over time, “PDQ machine” became a widely accepted name in the UK for card payment terminals, although newer models are now called card readers or EPOS terminals.

What Is a PDQ Machine?

A PDQ machine is a device used by merchants to take payments from customers using credit, debit, or contactless cards. It connects to a bank or payment processor to approve and complete transactions.

Features of a PDQ Machine:

Chip and PIN support
Contactless/NFC payments (e.g., Apple Pay, Google Pay)
WiFi, Bluetooth, or mobile data connectivity
Transaction receipt printing (some models)

Types of PDQ Machines (Which One Do You Need?)

There are three main types of PDQ machines. Each one is built for a different kind of business.

Here’s a quick breakdown:

1. Countertop PDQ Machine

Best for: Shops, salons, front desks

These are fixed machines that sit on your counter and connect via Ethernet or landline. Perfect if you process payments at a single location.

Example: Retail stores, dental clinics, barbershops

2. Portable PDQ Machine

Best for: Restaurants, cafes, hospitality

Portable PDQs connect over Bluetooth or WiFi, so you can take the machine to the customer’s table.

3. Mobile PDQ Machine

Best for: Tradespeople, market stalls, events

This one runs on SIM card data (3G/4G/5G), so you can take payments anywhere — no WiFi needed.

How Does a PDQ Machine Work?

A PDQ machine works by reading a customer’s card details when they insert, swipe, or tap their card. It securely sends the transaction data to the payment processor or acquiring bank for authorisation. Once the payment is approved, the funds are reserved and later transferred to the business’s bank account, usually within one to two working days. The entire process takes just a few seconds and ensures fast, secure, and reliable card payments for both customer and business.

Benefits of Using a PDQ Machine

Using a PDQ machine makes it easier for businesses to accept card payments quickly and securely. It also helps improve customer experience and reduces the need to handle cash every day.

Fast payments
Contactless options
Better cash flow
More professional

PDQ vs. Card Reader – What’s the Difference?

Today, “PDQ machine” and “card reader” are often used interchangeably. However:

Feature	PDQ Machine	Card Reader
Setup	Requires merchant account	Often uses app-based payment provider
Hardware	Bigger, often has receipt printer	Smaller, smartphone-connected
Ideal for	Larger businesses	Startups, small businesses

Who Uses PDQ Machines?

PDQ machines are widely used by businesses that need to accept fast, secure card payments in person. Whether you’re running a shop, serving food, or working on the go, a PDQ machine helps you take payments easily without relying on cash. It’s a must-have tool for small businesses and large retailers alike.

Retail stores
Restaurants and cafes
Mobile businesses (e.g., plumbers, electricians)
Salons, gyms, clinics
Market traders and event vendors

Do I Need a PDQ Machine?

If you run a business that serves customers in person like a shop, salon, café, or mobile service a PDQ machine is highly recommended. Today, most customers prefer paying by card or contactless methods over using cash. Having a PDQ machine not only speeds up transactions but also builds trust and professionalism. It reduces the risk of handling large amounts of cash and helps you stay competitive by offering modern, flexible payment options that customers expect.

How to Get a PDQ Machine (Step-by-Step)

Getting a PDQ machine is easier than you think.

Step 1: Open a Merchant Account

You’ll need a merchant account to process card payments. This is where the money goes before it’s transferred to your business bank account.

Step 2: Choose the Right Machine

Pick a PDQ machine that suits your business setup:

Countertop if you’re fixed in one place
Portable if you move around your premises
Mobile if you work on the go

Step 3: Buy or Rent the Machine

Most providers offer rental plans or one-off purchase options. Go with what fits your budget and usage.

Step 4: Start Taking Payments

Once it’s set up, you can start accepting debit, credit, and contactless payments immediately.

Top PDQ Providers in the UK:

Paymentsave
Worldpay
Square
Zettle by PayPal
Barclaycard

Conclusion

A PDQ machine is an essential tool for modern businesses that want to accept card payments quickly and securely. Whether you’re a shop owner, mobile trader, or restaurant manager, investing in a PDQ machine can speed up your payment process, improve trust, and help grow your business.

If you’re ready to get started with a reliable, affordable PDQ machine Paymentsave has you covered.

They offer fast setup, low transaction fees, and 24/7 support to keep your business running smoothly.