UK small businesses deserve the same card payment terms as enterprise clients. We built a team of specialists to make that happen. No hidden fees. No complex contracts. Just a better deal, powered by modern technology.
Klipy is a UK payment consultancy built for the businesses that power local high streets. We are an authorised Independent Sales Channel of Teya, combining the reach of one of Europe's fastest-growing payment platforms with the personal attention of a dedicated team.
Make fair payment processing accessible to every UK business, from corner shops to multi-site retailers.
Every transaction is protected. Your data is encrypted. Your funds are safeguarded by an FCA-authorised institution.
We handle the complexity so you do not have to. From your first comparison to the final switch, we manage every detail.
We use modern technology to deliver enterprise-level service at a fraction of the traditional cost.
Too many small and mid-sized businesses overpay on card processing without realising it. Hidden fees, opaque rate structures, and long lock-in contracts are the norm in this industry. We exist to change that. Our technology analyses your current costs, finds the savings, and handles the entire switch, so you can focus on running your business.
Most payment companies rely on large call centres and generic scripts. We took a different approach. Our team combines deep industry expertise with modern technology to deliver a service that is faster, more accurate, and more personal than anything a traditional provider can offer.
Regional specialists covering every corner of the UK, from London to Scotland. We speak to businesses in their area, with local market knowledge.
When a merchant calls back, we already know their history, their current provider, and where the conversation left off. No cold restarts.
Our technology analyses your card processing statement in seconds, comparing your rates against the best available terms.
From the initial comparison to the final switch, we handle every step. Proposals, onboarding documentation, terminal delivery, and follow-up.
Regulatory compliance, data protection, and security are embedded in every process. Not bolted on as an afterthought.
Our systems work around the clock. Savings checks, merchant enquiries, and support are available whenever you need them.
Traditional payment companies carry high overhead, and those costs get passed to the merchant in the form of higher rates and hidden fees. We operate with a fundamentally different cost structure, powered by modern technology. The savings are real, and they go directly to you.
24/7
Availability
<60s
Response Time
30%+
Average Saving
0
Hidden Fees
We are building towards a future where every UK business has access to the same payment infrastructure, funding options, and business tools that large enterprises take for granted. Our technology gets smarter with every interaction, and our ambition is to make Klipy the most trusted name in UK small business payments.
Teya is not another startup experimenting with payments. It was built by founders who already transformed an entire continent's financial infrastructure.
In 2012, Eduardo Pontes and Andre Street co-founded Stone (StoneCo) in Brazil to challenge the country's banking duopoly. Small businesses were stuck with unfair rates, slow settlements, and zero support. Sound familiar?
Stone grew from a two-person mission into a public company listed on the Nasdaq in October 2018, raising $1.5 billion in one of that year's largest fintech IPOs. The investor list tells the story: Warren Buffett's Berkshire Hathaway, Jack Ma's Ant Financial, and the Walton family all backed the vision. Today, StoneCo processes hundreds of billions in annual payment volume and serves millions of merchants across Latin America, with a market capitalisation of over $3 billion.
Eduardo and Andre didn't just build a payments company. They proved that small businesses, given the right tools and fair pricing, can outperform the expectations of an entire financial system.
In 2019, Eduardo co-founded Teya (initially operating as SaltPay) alongside Ali Mazanderani, a fintech veteran who spent nine years at Actis, a $20 billion private equity firm, leading emerging-market fintech investments globally. Ali's portfolio includes board positions at some of the world's most successful payments businesses: StoneCo, Network International (acquired for $3 billion), PineLabs ($4 billion valuation), and Thunes ($900 million valuation).
The thesis was bold but simple: Europe's 25 million small businesses face the same structural problems that Brazilian SMEs did before Stone. Teya set out to build a single platform that gives every local business access to enterprise-grade payment technology, business banking, funding, and growth tools, all in one place.
By 2021, within just two years of launch, Teya achieved unicorn status in its very first funding round, backed by Tiger Global Management and Hedosophia. BlackRock, D1 Capital Partners, and G Squared followed. Total funding raised: over $1 billion, at a valuation of $9 billion.
Teya's current CEO, Thiago Piau, was the former CEO and COO of StoneCo, where he led the company through its Nasdaq IPO and subsequent growth to millions of merchants. He brought the operational playbook that scaled Stone in Brazil and adapted it for European markets.
The leadership bench runs deep: across the founding team and executive ranks, you find people who have built, scaled, and exited payment companies across Brazil, Africa, India, Singapore, and the Middle East. This is not a team learning payments. This is a team that has done it before, at continental scale.
Teya now operates across nine European markets: the United Kingdom, Portugal, Iceland, Czech Republic, Slovakia, Hungary, Croatia, Italy, and Spain. Over 75,000 local businesses use Teya every day, processing over 600 million transactions in 2025 alone.
Spain and Italy, launched in 2025, represent a strategic move into two of Europe's largest SME markets (6.7 million businesses, roughly 25% of all EU small enterprises). Further European expansion is planned for 2026.
$9B
Valuation
75,000+
Active Merchants
609M+
Transactions (Annual)
9
European Markets
When Teya rebranded from SaltPay in April 2023, the name change reflected an evolution from a payments processor into a full business operating system. The name Teya comes from Latin, meaning joy and happiness, a nod to the company's mission to let business owners focus on what they love.
All major cards, Apple Pay, Google Pay, Samsung Pay, contactless
Free account, 0.5% cashback, free domestic transfers, instant settlement
Accept contactless payments with just an iPhone, no hardware needed
Up to 1,000,000 via Liberis and YouLend, repaid through daily card sales
Design, launch, and manage custom rewards programmes
Teya Solutions Ltd. (Ref. 978181). Electronic Money Institution, funds fully safeguarded
When you process payments through Teya, you are backed by a company whose founders have already built, listed, and scaled a payments platform to serve millions of businesses. The same playbook that worked in Latin America, backed by Warren Buffett and valued at billions, is now being deployed across Europe with even more capital, more product depth, and a regulatory framework built for the long term.
Teya holds a 4-star rating on Trustpilot from over 1,100 reviews, with merchants consistently praising fast onboarding, transparent pricing, and reliable next-day settlement. As an FCA-authorised Electronic Money Institution, all customer funds are fully safeguarded in segregated accounts, audited annually.
This is not a startup finding its feet. This is a proven team, with a proven model, backed by the world's most respected investors, now serving your local high street.
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