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Customers at a UK Christmas market stall, a busy place to take card payments at Christmas
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Best way to take card payments during the UK festive season

23 October 2026

Queues, patchy signal, international visitors and slow payouts: see how UK events, shops and restaurants keep card payments moving this festive season.

From Halloween to Christmas Eve, a lot of UK businesses take a good share of the year’s money in a few weeks. Christmas markets and winter events open, high streets fill up on weekends, and restaurants run back-to-back sittings for office parties. It’s the best time of year to trade, and the time when any weakness in how you take payments costs the most. 

Demand doesn’t spread itself out evenly, either, and the busiest days are when a slow queue, a dropped connection or a missing payment method hurts most. 

This guide takes the seven problems merchants run into most often over the festive season, and how to solve each one, whether you run an event, a shop or a restaurant. 

Key takeaways

  • How do you cut queues at a busy event, shop or restaurant? Give customers more ways to check out. A phone, a handheld, a self-service unit or an online order can each take payment where the queue builds.
  • Can you take card payments without internet? Yes. When the signal drops, the Viva.com Terminal app stores eligible payments securely and sends them through once you’re back online, so the queue keeps moving. Available on Android devices. 
  • How do you take card payments from international visitors? Dynamic Currency Conversion lets eligible cardholders pay in their home currency, while support for over 40 payment methods, including local payment schemes, allows international visitors to pay using their preferred payment method.
  • How quickly can you get paid over Christmas and bank holidays? Within minutes. Real-time settlement pays your card takings into your Viva.com account, including weekends and holidays. 
  • How can you reduce card payment fees at Christmas? Combine cashback on business spending, DCC rebates and surcharging where permitted, and bring card fees down to 0%*. 

How do you cut queues at events, shops and restaurants?

The quickest way to cut a queue is to give customers more ways to check out. A queue is a sales problem before it’s a service problem. At a market, people walk past a stall when the line is twenty deep. In a shop, they put the gift back on the shelf when the till is backed up. In a restaurant, a table waiting for the bill keeps the next booking at the door. Often, the problem is simply limited checkout options.

The fix is to add checkout flows where the queue builds, without buying hardware you’ll only use for the festive peak. The Viva.com Terminal app turns iPhones and Android phones (with Tap to Pay on iPhone and Tap On Phone), handhelds, countertop terminals and self-service units into payment points, on 1.500+ supported devices. Smart Checkout lets customers pay online, whether they’re ordering ahead, booking a table or buying tickets.

What that looks like depends on where you trade:

  • At events and markets: a phone is often the simplest card machine for events, and it doubles as a backup when a terminal fails or a queue outgrows it. Every seller can take contactless payments on the phone they already carry, with Tap On Phone on Android or Tap to Pay on iPhone, so there’s no extra hardware to buy, carry or charge. Set it up and activate it in minutes, then walk the site and take payment wherever the crowd is. For the busiest points, unattended and self-service payment solutions let guests pay at a drinks fridge, a vending point or a ticket and refreshment kiosk without waiting for staff.
  • In shops: on a busy Saturday, don’t make everyone wait at the till. A member of staff with a handheld or mobile computer can check stock, answer questions and take payment right there on the shop floor, so the gift is paid for before the queue forms. Customers who scan items on their own phone as they shop just show a QR code at the cashier and pay in seconds. And with buy online and pick up in store, shoppers pay before they arrive and walk straight to collection. The shortest queue is the one that never forms. 
  • In restaurants: a handheld at each section lets servers settle the bill at the table, which turns tables faster on the nights that matter. A waiter’s own mobile can do the same job: they take contactless payments at the table with no extra hardware to buy and guests pay the moment they ask for the bill. Self-service kiosks and unattended vending let guests order and pay without waiting to be assisted, which takes pressure off the floor. Take reservation deposits and prepaid orders with Viva.com Smart Checkout to secure the booking upfront and cut no-shows. Guests have already paid something before they sit down, so a no-show costs you less.

Whichever of these checkouts you run, they shouldn’t need separate systems behind them. A market stall, a shop floor and a restaurant section all have different payment needs, but they have to work as one. With unified payment infrastructure, you get one dashboard, one settlement and a full picture of your sales wherever they happen, with no separate provider for each checkout point.

Can you take card payments without internet?

Yes, on Android devices. The Viva.com Terminal app stores eligible payments securely and sends them through once you’re back online.

A crowded market square, a marquee in a park, a terrace or a basement bar on a Saturday night all have one thing in common: the mobile network struggles exactly when the most people are using it. If your card machine needs a connection for every payment, the queue stops when the signal does. 

With offline card payments, it doesn’t. On Android devices, the Viva.com Terminal app keeps accepting eligible card payments when the connection drops, stores them securely on the device and sends them through once you’re back online. Your customers keep tapping and your team keeps serving, so the queue keeps moving.

How do you take card payments from international visitors?

Let eligible cardholders pay in their home currency with Dynamic Currency Conversion (DCC), and accept the payment methods they use at home.

Christmas brings tourists to London’s markets, Edinburgh’s festivities and winter events across the country, and many of them would rather pay the way they do at home. That means two things: paying in the currency they know, and paying with the method they trust. 

Start with currency. With Dynamic Currency Conversion, eligible international cardholders paying with Visa or Mastercard can choose to pay in their home currency at the card machine, seeing the exact amount they’ll be charged. That gives them a familiar and easy payment experience. For you, eligible payments earn an acquiring-fee rebate when a customer pays in their home currency. And because the amount on their statement matches what they saw at the till, which can mean fewer disputes.

Then there’s how they pay. Tourists often prefer to use the payment methods they know from home, and a card machine that doesn’t offer them can lose the sale. Viva.com lets you accept 40+ payment methods, including Amex, Apple Pay, Google Pay, Alipay+ and WeChat Pay, so visitors can pay the way they do at home.

Take tips on card payments for your festive team

Seasonal staff work some of the hardest shifts of the year, and customers in a festive mood are often happy to show it. The Viva.com Terminal app lets customers add a tip on the screen as they pay, by percentage, fixed amount or round-up, so tipping takes a second rather than a search for change. For restaurants and cafés, it’s a simple way to make sure the team working the busiest nights gets the tips they’ve earned.

Connect payments to your EPoS, bookings and ticketing

Festive trading adds moving parts: extra staff, pop-up locations, pre-booked tables, timed tickets and self-service points. If payments sit in one system and everything else in another, reconciling them by hand after the rush becomes a long, painful job. 

Viva.com connects with 450+ software partners, so payments can run inside the EPoS, booking or ticketing tools you already use. For hospitality, that includes an integration with Oracle Simphony, and table ordering and payments through Muneris, so your team takes orders and payments in the same place. 

How quickly can you get paid over Christmas and bank holidays?

Within minutes. Real-time settlement pays your card takings into your account, including weekends and bank holidays.

The festive season is expensive to run before it pays back. Stock has to be bought, seasonal staff paid and suppliers settled, often before the takings arrive. With providers that pay out the next working day, a weekend’s trading over Christmas can take days to reach you, because bank holidays push everything back. 

With real-time settlement, Viva.com pays your card takings into your account within minutes, 365 days a year, including weekends and bank holidays. Saturday’s market takings can pay for Monday’s stock order, and Christmas Eve’s sales are in your account on Christmas Eve.

How can you reduce card payment fees at Christmas?

Combine cashback on business spending, DCC rebates and surcharging where permitted, which can bring card fees down to 0%*.

  • Cashback on business spending: pay for stock and suppliers with your Viva.com business debit card and you earn cashback. That cashback is credited to your account to offset the transaction fees on the card payments you take. The more of your festive spending runs through the card, the more of your fees it covers, down to 0%*. 
  • Rebates on international cards: when overseas visitors choose to pay in their home currency, Dynamic Currency Conversion earns you an acquiring-fee rebate on those payments. 
  • Surcharging on eligible cards: card surcharging lets you pass eligible merchant service charges on to business and international cardholders, where legally permitted. 

See how Hyde Park Winter Wonderland keeps payments moving with Viva.com

Hyde Park Winter Wonderland welcomes 2.4 million visitors across more than 100 rides and attractions, which makes it one of the UK’s most demanding payment environments. Over two consecutive years, Viva.com has deployed 450+ payment devices and processed more than 3.5 million transactions there, using the same tools described above: payments on any device, offline payments on Android, Dynamic Currency Conversion for international visitors, 40+ payment methods and real-time settlement. 

Beyond Hyde Park Winter Wonderland, Viva.com supports some of the UK's biggest live events, including Taste of London, Hampton Court Palace Festival and The Big Feastival, helping organisers and vendors deliver reliable payment experiences at scale. 

* Fees down to 0% available with cashback on spending with the Viva.com Business Debit Card. Terms Apply.

FAQ's

Don’t wait for the rush to set up  

Open your Viva.com account and start taking contactless payments before your first busy weekend.