See exactly what Teya charges compared to every major UK payment provider. Our rates are bespoke to your business: the more you process, the lower your rate.
See Your Exact SavingsPricing data as of March 2026. Teya rates are bespoke and typically negotiated lower than listed maximums.
| Provider | Transaction Rate | Contract | Support | Hidden Fees | Trustpilot |
|---|---|---|---|---|---|
| TeyaRecommended |
Blended or IC++ available | Monthly rolling or 12-month | 24/7 UK human | None |
|
| SumUp | 1.39% - 1.69% Flat rate, no negotiation | No contract | Email / limited phone | None |
|
| Square | 1.75% Flat rate, no volume discount | No contract | Phone / email | None |
|
| Worldpay | Custom / IC++ Complex, negotiated | 12-36 month lock-in | Phone (business hrs) | PCI, statement, minimum monthly |
|
| Barclaycard | Custom Quoted per business | 12+ month lock-in | Phone (business hrs) | PCI, auth fees, minimum monthly |
|
| Dojo | ~1.2% avg Variable, negotiated | Rolling monthly | Phone / in-app | Terminal fee £20-25/mo |
|
| Zettle | 1.75% Flat rate (PayPal) | No contract | Phone / email | None |
|
| Stripe | 1.4% + 20p Online-focused | No contract | Email / chat only | Per-transaction fixed fee |
|
Choose your hardware. Every terminal includes free setup, free delivery, and free next-day replacement if anything goes wrong.
Full-size Android smart terminal with 5.5" touchscreen and built-in printer. Runs ePOS apps directly.
Best for
Countertop restaurants, retail, salons
Compact portable terminal with Bluetooth, Wi-Fi, and 4G. All-day battery for businesses on the move.
Best for
Market traders, delivery, pop-ups, tableside
Turn any iPhone or Android into a contactless card terminal. No hardware needed.
Best for
Sole traders, backup, events
Most businesses don't realise they're comparing apples to oranges. Here's how the two main pricing models actually work.
Used by Worldpay, Barclaycard, Global Payments
Multiple rates for different card types. Looks cheap on paper because the lowest rate is prominently displayed, but the total cost is often higher.
True effective rate: often 0.80% to 1.10%+
When you add scheme fees (0.02-0.05%), authorisation charges (1-3p each), and PCI non-compliance surcharges, the total cost is significantly higher than the headline debit rate.
Used by Teya, SumUp, Square, Zettle
One single rate covers all card types, scheme fees, and processing. What you see is what you pay. No surprises on your statement.
True effective rate: exactly 0.85%
The rate on the tin is the rate you pay. Nothing added, nothing hidden. Your monthly statement has one simple line.
Typical card mix: 60% consumer debit, 30% consumer credit, 10% commercial/Amex. Estimated 800 transactions, 5% international cards.
Fees based on typical charges from Worldpay, Barclaycard, and Dojo. Teya offers both blended and interchange-plus pricing.
Interchange-Plus (what it really costs)
Effective rate: 0.88%
Teya Blended at 0.85% (what you actually pay)
Effective rate: exactly 0.85%
The interchange-plus plan looks cheaper at the headline rate, but once you add statement fees, platform charges, PCI compliance, and international card surcharges, the true cost is £7 more per month than Teya's all-inclusive blended rate.
With blended pricing, you know exactly what you'll pay. Every month. No surprises.
Teya also offers interchange-plus pricing for merchants who prefer it, without the hidden extras.
Upload your statement and see your real comparisonNo add-ons, no premium tiers. Every Teya merchant gets these features from day one.
365 days with Business Account
Unlimited on Business Account purchases
Cloud + app-to-app connections
Not chatbots, not offshore
Free with Business Account
No statement or hidden charges
Send payment links via SMS, email, WhatsApp
Sales analytics, settlement tracking
Surcharge applied on top of your existing Teya transaction rate
Standard Pricing
Hotels & Lodging (Higher Risk)
Worked Examples
The MOTO surcharge reflects the additional risk of card-not-present payments. The ability to take phone payments often unlocks revenue a merchant would otherwise miss entirely.
MOTO is subject to eligibility review. Limited companies with 6+ months of MOTO history only. Ask us about eligibility.
Upload your current statement and our AI will show you a side-by-side comparison in seconds. Free, no obligation.
*0.50% rate is available for businesses with a monthly card turnover (TPV) of 200,000 and above. Actual rates vary depending on business type, card mix, average transaction value, and contract terms.