Best Card Machines UK 2026 — Compare 18 Providers

Compare Teya against Dojo, SumUp, Square, Zettle, Worldpay, Stripe, Elavon, Clover, Revolut, PayPal, Shopify, Barclaycard, Tyl by NatWest, Takepayments, myPOS, Tide, and Viva Wallet. Fees, contracts, hardware costs and features compared side-by-side for UK small businesses.

UK Card Machine Comparison Table

At-a-glance comparison of headline rates, fees, and features across all major UK card machine providers.

Why Teya Is Our Top Pick for UK Businesses

Teya combines membership-based pricing (rates from 0.50%) with a bundled business account, cash advance options, and 50+ ePOS integrations. Unlike flat-rate providers that charge 1.75% regardless of volume, Teya rewards growing businesses with lower rates. Features include next-day settlement, 24/7 UK-based human support, PCI-DSS compliance, and Tap to Pay on phone.

Understanding UK Card Machine Pricing

UK card processing costs are influenced by interchange fees and scheme fees. For UK domestic consumer cards, interchange caps are 0.2% for debit and 0.3% for credit. Three common pricing models exist: flat-rate (Square 1.75%, SumUp 1.69%), membership/subscription (Teya, SumUp Plus), and quote-based acquiring (Worldpay, Elavon, Barclaycard).

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