A table of six people orders coffees, pastries, and sandwiches, totaling £34.50 in the Loyverse till on a busy Saturday. The staff member turns to the card terminal and types the amount manually. They enter £44.50. The customer taps and goes. By closing time, the till total and the terminal report are £10 apart, and someone spends twenty minutes working backward through receipts to find where it happened.
Manual entry is the default for businesses running a POS system and a separate card reader when the two are not connected. It works until it doesn't, and in a busy café, it fails regularly enough to show up in the numbers.
Today, we'll show you how Loyverse payment integrations work, what to look for in a payment processor if you're running in that POS system, and how the main options available in the UK compare in practice, so you can make the most of connected tools in your operations.
Why typing amounts twice is costing you
Every time a staff member moves from the till to the card reader and re-enters a figure, there's an opportunity for error. A transposed digit, a missed decimal, or a rushed moment in a queue creates a compromising mismatch.
The errors themselves aren't always large, but they're difficult to find. Manually comparing what Loyverse recorded with what the terminal processed takes time away from closing routines every day.
Contactless payments now account for 76% of all debit card transactions in the UK, according to UK Finance data. In a café or restaurant where customers tap and go on nearly every transaction, the volume of manual terminal entries across a full-service restaurant adds up quickly.
Connecting your card reader to Loyverse speeds up and streamlines the process.
How Loyverse payment integrations work
When a payment provider is integrated with Loyverse, the POS automatically pushes the exact transaction amount to the card reader. The staff member confirms payment on the till; the terminal receives the total and prompts the customer to tap, insert, or swipe, without manually keyed amounts. The terminal confirms approval back to Loyverse, and the transaction is recorded in both systems at once.
Refunds work through the same connection. In Loyverse, you open the relevant receipt, select the items to refund, and the refund is processed directly through the payment provider; you don't need to do anything else on the terminal.
Reporting consolidates in Loyverse's Back Office. Under Reports, the "Sales by payment type" view shows transaction counts and totals by provider — what is processed through the integrated reader alongside cash, vouchers, or any other payment type you accept. That single view replaces the daily exercise of cross-referencing two separate reports.
What to look for in a payment solution for your Loyverse setup
The rate matters, but it's not the only thing worth checking before committing to a provider.
Refund handling
Some providers only support full refunds through the Loyverse integration. If a customer ordered several items and wants to return one, you can't process a partial refund through the system, as it requires a workaround.
Check this before you sign up, because it affects how your team handles returns during service.
Connection method
A few integrations use Bluetooth pairing between the POS device and the terminal. Bluetooth can drop in a busy environment, across a counter, when a device goes to sleep, or during a busy lunch. A cloud-based connection routes through the internet instead, which holds reliably through a full service at a fixed counter.
Settlement timing
If Friday and Saturday's card takings don't arrive until Tuesday, you're covering Monday's supplier from your own reserves. Knowing when funds land and into which account is worth confirming upfront.
Support quality
If something goes wrong with the integration mid-service, the difference between a provider that answers on the phone immediately and one with a 20-minute queue is what will make you lose or keep the table.
Top Loyverse integration use cases for cafés and restaurants
Busy service periods
When a queue builds, every second at the terminal matters. The order total is pushed to the reader the moment a staff member confirms payment on the till. The customer taps, and the next order begins, with nothing re-entered.
Partial refunds on orders
A customer orders a full breakfast and a juice, then decides to cancel the order before it arrives. With a provider that supports partial refunds through Loyverse, the adjustment takes a few taps on the till.
Without that support, it means voiding the transaction and re-processing, slowing the table and the queue behind it.
End-of-day close without the cross-reference
At close, the "Sales by payment type" report in Loyverse Back Office shows exactly what was processed through the integrated reader. That figure matches the terminal report automatically, because both systems are recording the same transaction, not separate tallies that need reconciling.
The Teya and Loyverse connection runs on cloud-based communication and is set up through the Loyverse Back Office.
Settlement lands the next morning by 9am, including weekends, so Saturday's takings land in the account on Sunday. And if something breaks during service, support answers in under 10 seconds.
How the main options compare on Loyverse
Three providers currently integrated with Loyverse in the UK are Teya, SumUp, and Zettle.
SumUp connects via Bluetooth pairing between the reader and the POS device. On Android, the first transaction triggers a download of the SumUp app if it isn't already installed. Refunds through the integration cover only full transactions, and partial refunds aren't supported.
Zettle works specifically with the Zettle Reader 2, connecting to the POS device via Bluetooth pairing. The integration requires location services to be active on the tablet or phone at all times during use. Available across Great Britain through Loyverse, the setup supports both full and partial refunds directly from the Loyverse "Receipts" screen, meaning you can return individual items without needing the physical card reader.
Teya connects via cloud communication, through the internet rather than Bluetooth, with no separate app required on the POS device. Partial refunds are supported through Loyverse receipts. The integration is available to UK businesses.
The practical difference between cloud and Bluetooth comes down to service reliability. A cloud connection isn't affected by device proximity or sleep states, while a Bluetooth connection is.
Getting the integration right from the start
The value of connecting Loyverse to your payment provider isn't just the time saved at the terminal. It's the cleaner close, the accurate reporting, and the removal of daily reconciliation work that add up to real hours across a working week.
Most of the friction in a café's payment operation (mismatched totals, manual imports, mid-service terminal issues) comes from systems that aren't talking to each other. Integration doesn't remove complexity; it moves it somewhere you don't have to manage every day.
See Teya's pricing to see how our Loyverse integration works for your setup.
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