Teya, SumUp, Square, Worldpay, Dojo, PayPal POS, and takepayments compared side by side. Headline rates, MOTO rates, contract lengths, monthly fees, and hardware costs as at May 2026.
Choosing a card payment provider involves more than comparing headline rates. Contract length, hardware costs, MOTO rates, and additional charges all affect your real cost. This article summarises the key providers in the UK market for 2026, based on publicly available pricing as at May 2026.
Note: This article is a factual summary of published rates. Pricing changes frequently. Always verify current rates directly with each provider before making a decision. Some providers (Dojo, takepayments) do not publish rates publicly; their figures below are estimated from third-party sources and should be treated as approximate.
This article covers rate and contract structure. For a broader comparison of technology, support, and features, see our article "Teya vs Traditional Providers: Why Businesses Are Switching".
| Provider | In-person rate | MOTO rate | Contract | Monthly fee | Hardware |
|---|---|---|---|---|---|
| Teya | 1.59% blended | +1.0 pp | None / flexible | £29.99 if below £2,500/mo | £69 Go / £139 Pro |
| SumUp | 1.69% (PAYG) or 0.99% (paid plan) | 2.95% + 25p | None | £19/mo (paid plan) | From £39 |
| Square | 1.75% | 2.50% | None | None (base plan) | From £19 |
| PayPal POS (ex-Zettle) | 1.75% (incl. Amex) | 3.40% + 20p | None | None | From £29 |
| Worldpay (Simplicity) | 1.50% | Not published on plan | 18 months | £17.50/mo terminal rental included | Rental included |
| Dojo | Not published (est. 1.0-2.5%) | Not published | 12 months | Not published | Bespoke |
| takepayments | Bespoke only | Bespoke | Bespoke | Est. from £15/mo | PAX A920Pro |
Published rate: 1.59% blended (all Visa and Mastercard). MOTO: 1.59% + 1.0 percentage point surcharge = approximately 2.59%. Contract: No long-term contract required for standard plans. Monthly fee: £29.99 monthly volume fee in any month where card processing is below £2,500. No fee above £2,500. Hardware: Teya Go £69 (no printer), Teya Pro £139 or £14.99/month (with Seiko printer). Tap to Pay free on compatible iPhone or Android. Key differentiators: Android smart terminals, 50+ ePOS integrations, Teya Business Account, Teya Cash Advance (merchant finance via YouLend), next-day settlement standard. Source: www.teya.com/en-gb/pricing
Published rate: 1.69% PAYG. Reduces to 0.99% on the SumUp One plan at £19/month. MOTO: 2.95% + 25p per transaction. Contract: None. No minimum term. Monthly fee: £19/month if on the paid plan; none otherwise. Hardware: SumUp Air (basic card reader) from £39. Tablet-based tills available at higher prices. Key differentiators: Very low entry cost, no contract, simple pricing for very low-volume businesses. Source: sumup.com/en-gb/pricing
Published rate: 1.75% in-person (contactless and chip-and-PIN). MOTO: 2.50% per transaction. Contract: None. Monthly fee: None on the free plan. Paid plans available at higher price points. Hardware: Square Reader from £19. Square Terminal from approximately £149. Key differentiators: Strong ecosystem of business management apps (bookings, invoicing, payroll). Widely recognised brand. Source: squareup.com/gb/en/pricing
Published rate: 1.75%, including American Express. MOTO: 3.40% + 20p per transaction. Contract: None. Monthly fee: None. Hardware: Zettle Reader 2 from approximately £29. Key differentiators: Accepts American Express at the standard rate. Familiar PayPal brand. Source: zettle.com/gb/products/here
Published rate: 1.50% flat on the Simplicity plan. MOTO: Not published as a flat rate on the Simplicity plan. Contract: 18 months on the Simplicity plan. Monthly fee: £17.50/month for terminal rental (terminal included). Additional charges to check: Authorisation fees (approximately 4.5p per transaction), PCI compliance (approximately £5/month), chargeback fee (approximately £20 per dispute), minimum monthly service charge. Note: Worldpay is being acquired by Global Payments (announced April 2025). Service continuity and plan availability may change. Source: Merchant Savvy research (merchantsavvy.co.uk), July 2024.
Published rate: Dojo does not publish rates on its website. Pricing is bespoke per merchant. Contract: 12 months typical. Note: Third-party sources estimate 1.0% to 2.5%, but no primary source is publicly available. Request a specific quote from Dojo directly.
Published rate: Bespoke only. No published rate card. Hardware: PAX A920Pro Android terminal. Contract: Bespoke terms. Note: Request a quote directly from takepayments.
When comparing quotes, ask these specific questions:
The headline rate is rarely the full picture. Your effective blended rate (total fees divided by total turnover) is the number that matters for comparison. Use our free calculator at klipy.uk/calculator to calculate your current effective rate.
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This content is published by Klipy UK, a Teya-authorised reseller of payment solutions. The views expressed are for informational purposes only and do not constitute financial advice. All content is the intellectual property of Klipy UK. Reproduction without permission is prohibited.
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