{"type":"document","data":{"id":"a3660daf-0685-40e8-b548-fffd9aac0769","localeString":"en-GB","publishDate":"2026-04-10T15:41:59.953+02:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur","prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Rent or buy a payment terminal? Which option best fits your situation? ING helps you decide."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners","text":"View payment terminals for purchase"}},"coreHeader":{"body":"Are you an entrepreneur and want to let your customers pay by card? At ING, you can buy a payment terminal through trusted partners. But is buying the best choice for your situation? Below you’ll find the pros and cons of renting and buying a payment terminal, so you can make an informed decision.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/49a4c994-9765-41ba-81a7-f2779ff80171/Small-business-owner-smiles-into-camera-at-POS-computer-terminal","type":"image","width":5616,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/75c045450b5d2876/original/Small-business-owner-smiles-into-camera-at-POS-computer-terminal.jpg","extension":"jpg"},"title":"Payement terminal: rent or buy","subtitle":"The pros and cons at a glance"},"backLink":{"textLink":{"url":"/en/business/accepting-payments/payment-terminals","text":"Payment terminals: buy and link"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why buy a payment terminal?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you have stable or growing revenue? Do you want your customers to pay by card daily (or very regularly)? Then owning a <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals\">payment terminal</a> can be a valuable investment for your business.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Buy a payment terminal: pros","richBody":{"value":"<p>Some advantages of buying:</p><ul><li>Over time, buying is cheaper than renting a payment terminal. Transaction fees are often much lower than with rental. For example, via us: from %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 per card transaction</li><li>No deposit or unexpected costs to pay to a rental company</li><li>You own a <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">terminal that perfectly suits your business</a></li></ul>"}},{"title":"Buy a payment terminal: cons","richBody":{"value":"<p>Some disadvantages of buying:</p><ul><li>You pay the purchase price upfront. Good to know: there are now <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">many affordable payment terminals</a> available</li><li>If you only use a terminal occasionally, buying can be relatively expensive</li><li>You also pay for a service subscription for your terminal. This ensures your device works properly at all times</li></ul>"}}]},{"componentType":"sectionTitle","title":"Why rent a payment terminal?"},{"componentType":"paragraph","richBody":{"value":"<p>Do you occasionally attend events, markets or trade fairs? Or are you a <a data-type=\"internal\" href=\"/en/business/payments/business-account\">start-up entrepreneur</a> who wants to see if a payment terminal is really necessary? Then renting a terminal can be a smart option.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Rent a payment terminal: pros","richBody":{"value":"<p><strong>Some advantages of renting:</strong></p><ul><li>You don’t have to pay the high purchase price upfront</li><li>Flexibility: you can rent a terminal for as little as one day. Ideal for peak periods (think holidays or summer rush)</li><li>You usually rent a terminal that is ready to use immediately</li></ul>"}},{"title":"Rent a payment terminal: cons","richBody":{"value":"<p>Some disadvantages of renting:</p><ul><li>You may have to pay a substantial deposit</li><li>Rental costs per day, week or month are often higher than buying. <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/kosten-pintransacties\">Transaction fees</a> can also be significantly higher</li><li>You are dependent on the payment technology offered by the rental provider</li></ul>"}}]},{"componentType":"highlight","richBody":{"value":"<p>ING does not offer rental solutions itself. However, we provide insight into what renting a payment terminal involves, so you can decide what best suits your situation.</p>"}},{"componentType":"sectionTitle","title":"Rent or buy: 3 tips to help you decide"},{"componentType":"paragraph","richBody":{"value":"<p>Whether you choose to rent or buy a payment terminal, avoid unpleasant surprises. After all, no entrepreneur wants unnecessary hassle.</p><p>Here are 3 tips:</p><ul><li>Always check if the terminal meets your needs. Think of contactless payments or <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/credit-card-acceptance\">the ability to accept credit cards</a></li><li>Read the terms and conditions carefully before making a choice</li><li>Choose a <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/partners-payment-terminals\">reliable supplier</a> reliable supplier with good service and warranty</li></ul>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/8b1c359e-56aa-4ede-9f50-45475fc1a8f2/terminalphonecheckmarkhandnopadding","original":"https://assets.ing.com/m/6dbcffc4d59f9950/original/terminalphonecheckmarkhandnopadding.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Payment terminal via ING: fast, reliable and secure"},{"componentType":"paragraph","richBody":{"value":"<p>Considering a payment terminal? Do you have an ING business account? Then buying a terminal via ING might be the right choice for you. Like many other entrepreneurs, you’ll benefit from:</p><ul></ul><ul class=\"check-mark\"><li>Wide selection of fixed and mobile terminals from our partners CCV, SEPAY and Worldline</li><li>For <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/accepting-card-payments\">debit and credit card payments</a>, optional: <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/refunds\">Refunds</a></li><li>Plug &amp; play delivery: directly linked to your <a data-type=\"internal\" href=\"/en/business/self-employed/tips/reasons-to-have-a-business-account\">ING Business account</a>, ready to use immediately</li></ul>"}},{"componentType":"cta","textLink":{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners","text":"Compare payment terminals"}},{"componentType":"sectionTitle","title":"Frequently asked questions about renting or buying a payment terminal"},{"componentType":"accordion","accordionList":[{"title":"Which payment terminal suits my business?","richBody":{"value":"<p>That depends entirely on your situation. What will you use the terminal for? Each type of terminal fits a different scenario:</p><ul><li>Do you work at markets or travel across the country? Choose mobile!</li><li>Will the terminal stay in a fixed spot, such as a counter or bar? Then a fixed terminal is practical.</li></ul>"}},{"title":"How much does a payment terminal cost?","richBody":{"value":"<p>You have 2 options:</p><ol><li> <a data-type=\"internal\" href=\"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners\">Buy a payment terminal via ING</a>: The price depends on the type of terminal you purchase. It will be linked to your business account with a payment contract</li><li> <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/accepting-card-payments\">Link your own payment terminal to your account</a> with a payment contract: Apply in just 5 minutes. You pay fixed service costs of %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur}% per month per terminal and from %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 per card transaction.</li></ol>"}},{"title":"Mobile or fixed payment terminal?","richBody":{"value":"<p>When choosing between a mobile and a fixed payment terminal, 2 things matter:</p><p><strong>1. How you use the terminal</strong><br />Do you work at markets or trade fairs, visit customers, or have a terrace where you want customers to pay? Then choose a mobile terminal.<br />A fixed terminal stays in one place, such as a counter, and connects via power and internet cables.</p><p><strong>2. How reliable your internet connection is</strong><br />A fixed terminal offers a stable connection because it uses a wired internet link. For mobile, you can choose Wi-Fi and/or GPRS/SIM. Check your network coverage for GPRS. Use <a href=\"https://www.bestemobieleproviders.nl/dekkingskaarten/\">this coverage map</a> to see which mobile providers have good coverage in your area.</p>"}},{"title":"What is the cheapest payment terminal?","richBody":{"value":"<p>The cheapest terminal you can buy via ING is the Buck Mini 4G. Cheaper terminals are available elsewhere, but watch out for transaction costs. Thiese costs can be much higher than when you buy an affordable terminal through us. Plus, you know we <a data-type=\"internal\" href=\"/en/business/accepting-payments/payment-terminals/partners-payment-terminals\">only offer models from trusted partners</a>.</p>"}},{"title":"Are card payments more expensive than cash for me as an entrepreneur?","richBody":{"value":"<p>No, card payments are cheaper.</p>"},"textLinks":[{"url":"https://www.kvk.nl/geldzaken/pinnen-of-cash-betaaltrends-aan-de-kassa/","text":"Read the article ‘Card or Cash? Payment Trends at the Checkout’ on KvK.nl."}]}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500,"original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","extension":"png"},"title":"Interesting for you"},"textLinks":[{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners","text":"View payment terminals"},{"url":"/en/business/accepting-payments/payment-terminals/accepting-card-payments","text":"Payment contract via ING"},{"url":"/en/business/accepting-payments/payment-terminals/partners-payment-terminals","text":"More about our trusted suppliers"},{"url":"/zakelijk/geld-ontvangen/pinapparaat/kosten-pintransacties","text":"What do I pay per card transaction?"},{"url":"/en/business/accepting-payments/payment-terminals/mobile-payment-terminal","text":"Is a mobile terminal right for you?"}]}]}}}