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Teya and Flatpay both sell to independent hospitality and retail businesses with a simple card machine offer. Flatpay publishes a flat rate. Teya quotes. Prices read 26 October 2026.
Published rates from every major UK card machine provider, plus the quoted rates that only come on request. You see them side by side, on your own takings.
The short answer
Flatpay publishes a flat 1.49% on all cards for its payment terminal, with a free machine and no monthly fee, for businesses under £200,000 a year of card sales. That is £149.00 on £10,000 a month. Teya does not publish a rate and quotes each business on volume, sector and average sale. Teya pays out daily, including weekends, and adds 0.10% for non-Teya bank accounts (read 26 October 2026).
Published prices read 26 October 2026 from each provider's own pricing page. Quote only means the provider gives rates on request; we obtain those for you.
| Provider | In-person card rate | Monthly fee | Card machine | Contract | Payouts |
|---|---|---|---|---|---|
| Teya Source | Quote only | Not published | Not published | No lock-ins stated | Next day, weekends included |
| Flatpay Source | 1.49% all cards (terminal, under £200k a year) | £0 | Payment terminal free to start | Not published | Daily |
| Dojo Source | 1.2% blended under £100k a year; custom above | £0 Essential; Plus £11.99 new customers (£25 list) | Go Max £149 or £25 a month; Pocket £239 or £20; Wired £179 or £15 | 30-day rolling or 12-month fixed (custom rate) | Next day |
VAT is excluded where the provider states it. Rates are for in-person UK consumer cards unless stated. Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Tell us about your business. We compare the whole market, including the providers that only quote on request, and come back with the lowest total cost for your takings and the right machine. You keep a named account manager who looks after you after setup.
Our service is free to you. We may receive a fee from the provider you choose; it never changes the price you pay.
Flatpay's offer is one rate for every card, including premium and business cards: 1.49% per transaction on its payment terminal for businesses under £200,000 a year. The terminal, a PAX A920 Pro, is £0. There are no monthly fees. Above £200,000 a year Flatpay gives a custom rate.
Teya has no standard price list. It quotes after looking at your volume, sector and average sale. What it does publish is service: next-day payouts every day including weekends and bank holidays, 24/7 UK-based support, no lock-ins, a lifetime warranty on the card machine and a debit card with 0.5% cashback.
Card fees only, using published figures read on 26 October 2026. Flatpay figures use its payment terminal rate of 1.49%. Dojo is included as a third option at its published 1.2% for businesses under £100,000 a year.
Flatpay's standard offer is a PAX A920 Pro payment terminal at £0, with access to its software. If you want a full till, Flatpay sells three packages with a one-off onboarding and installation charge: mPOS on a PAX A920 2GB Pro at £995, POS Pro with a Lenovo tablet at £1,495, and POS Premium with a CPOS X5 at £2,495. On all three, the rate is 1.69% rather than 1.49%. On £10,000 a month that is £169.00 against £149.00, so the till package adds £20.00 a month in card fees on top of its upfront cost.
Teya does not publish a machine price. It offers Tap to Pay on iPhone and Android, and says it works with more than 200 ePOS systems, the till software many hospitality businesses already use. If you already have a till you like, check it is on Teya's list. If you want Flatpay's till, check what is included in the package before paying the one-off charge.
Teya pays the next day, every day, weekends and bank holidays included. Takings from a busy Saturday reach you on Sunday, which helps businesses that pay staff and suppliers weekly. To avoid the extra 0.10%, your money must go into a Teya account.
Flatpay offers daily payouts and daily settlements, meaning money is sent to your bank every day, and states no payout fee. It does not publish its contract terms, so ask for the length, notice period and any exit charge in writing.
Both publish strong support. Teya is 24/7 and UK-based, by WhatsApp, email or phone, with sales open Monday to Friday, 8am to 7pm. Flatpay offers 24/7 support by email and phone on +44 2080289990. Teya states no hidden charges, no lock-ins and no small print; Flatpay states no hidden fees. Neither publishes PCI fees or chargeback fees.
If you take under £200,000 a year and want to know your cost today, Flatpay's 1.49% with a free terminal is simple to check. A café taking £6,000 a month would pay £89.40 a month in card fees with no machine cost.
If weekend cash flow matters, or you want a provider that sets the rate around your sector and average sale, get a Teya quote. A business with a high average sale and mostly debit cards may be offered a rate below a flat 1.49%, but only a quote will show it.
Above £200,000 a year both are quote only. Give both the same figures, ask each for the full monthly bill including any machine, account and PCI charges, and compare the totals rather than the headline rate.
Flatpay publishes for smaller businesses, but Teya and every larger business need a quote, and quotes are where the real savings sit. We compare the whole UK card payment market, including Dojo, SumUp, Teya, Flatpay, Paymentsense, Square, Worldpay and others, against your real card sales, your average sale and the way you trade. Where a provider only gives quotes, we request the quote for you and negotiate the rate, so you compare real numbers rather than list prices.
When you have chosen, we handle the switch: the application, the paperwork and the timing with your current provider, so you keep taking payments throughout. You then get a named account manager who stays with you after setup, checks your statements and deals with the provider when something needs fixing. You pay us nothing. We may receive a fee from the provider you choose.
Flatpay publishes 1.49% on all cards for its terminal under £200,000 a year, which is £149.00 on £10,000 a month, with a free machine. Teya does not publish a rate, so the only way to know is to get a Teya quote on the same figures. Rates read 26 October 2026.
Flatpay's pricing page lists its payment terminal, a PAX A920 Pro, at £0 with the line that it is free to start. Its till packages are different: mPOS is £995, POS Pro £1,495 and POS Premium £2,495 for onboarding and installation, with card fees at 1.69%.
No. Flatpay says you pay a flat rate per transaction with no subscriptions and zero monthly fees. It does not publish contract terms, so ask about contract length and notice before you sign.
Teya does not publish a card machine price, monthly fee or transaction rate. It quotes each business on volume, sector and average sale. It does publish that its machine has a lifetime warranty and that a non-Teya bank account adds 0.10% to fees.
Both pay daily. Teya states next-day payouts every day, including weekends and bank holidays. Flatpay states daily payouts and daily settlements. Neither states a payout fee, but Teya adds 0.10% if you use a non-Teya bank account.
Tell us what you need and where you operate.