Martin Cruse

Martin Cruse brings a wealth of industry knowledge and commercial acumen sharpened over two decades in payments and technology. Most recently appointed Chief Sales Officer at CreatePay, he leads the company’s aggressive sales expansion with a focus on building high-performance teams and scalable solutions. His prior role as Sales Director at Castles Technology EMEA saw him drive growth across UK&I, managing complex merchant relationships and payment ecosystems. Martin’s expertise spans consultative sales, strategic business development, and fostering leadership across cross-functional initiatives.

A customer makes a contactless payment with a smartphone at a coffee shop counter, tapping against a wireless card reader held by a barista.

Cash vs. Card Payments in the UK: What Small Business Owners Need to Know

Card payments are quickly becoming the norm across the UK, but does that mean cash is dead for small businesses? In this guide, we compare the pros and cons of cash vs card payments to help you make smarter decisions about how your customers pay. From transaction fees and customer convenience to fraud risk and accounting ease, we break it all down—plus share practical tips for going cashless or striking the right balance.

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