Data, October 2026
UK card machine fees compared (October 2026)
On published in-person prices checked 21 October 2026, Dojo has the lowest rate (1.2% under £100,000 a year, terminal from £149) and Flatpay the lowest flat rate with a free terminal (1.49% on every card type, no monthly fee). SumUp charges 1.69% pay as you go, Square and Zettle 1.75%, Stripe 1.4% plus 10p and Worldpay 1.50%. Teya publishes no price list.
Published prices, provider by provider
In-person rates as printed on each provider's pricing page, checked 21 October 2026. Download as CSV (free to reuse with a link to this page).
| Provider | Card fee | Monthly | Terminal | Contract | Payouts |
|---|---|---|---|---|---|
| Flatpay source | 1.49% on all cards (terminal), 1.69% with the POS systems, up to £200,000 a year; 0.99% above that | £0 (minimum card turnover £1,100 a month incl. VAT, assessed yearly; £39 if not met) | £0 upfront (PAX A920 Pro with SIM and printer) | Ask for the terms on your quote | Daily payouts |
| SumUp source | 1.69% pay as you go; 0.99% on UK consumer cards with Payments Plus | £0, or £19 a month for Payments Plus | Solo Lite £25, Solo £79, Terminal £135 | No fixed term stated | Next day at 7am, weekends included |
| Square source | 1.75% on UK cards (1.6% on Appointments Plus) | £0 free plan; £29 (Appointments Plus) or £69 (Restaurants Plus) per location | Reader £19, Terminal £149 (ex VAT) | None stated | Next working day; instant for 1.95% |
| Zettle by PayPal source | 1.75% | £0 | Card Reader from £29 (new users), Terminal from £149 | No contract | Minutes, to a PayPal Business account |
| Dojo source | 1.2% blended under £100,000 a year; custom above | £0 Essential; £11.99 Plus per location | Go Max £149 (offer) or £25 a month | 12 months or 30-day rolling over £100,000 | Next day |
| Stripe Terminal source | 1.4% + 10p (UK and EEA cards) | £0 (£7 a month per reader for mobile data) | WisePad 3 £49, S700 £229 (ex VAT) | None stated | Rolling, free; instant for 1% |
| Worldpay source | 1.50% on Visa and Mastercard (Simplicity plan) | No service fee; terminal hire £0 a month until 31 Dec 2026 (conditions apply) | Hired | 18-month minimum hire | Next business day |
| Teya source | Quote only (no published price list) | Not published | Not published | No lock-in | Next day, every day |
Year-one cost at five takings levels
Average payment £25; fees plus the cheapest terminal each provider sells. A dash means the provider publishes no rate for that level.
| Card takings a month | Flatpay | SumUp | Square | Zettle by PayPal | Dojo | Stripe Terminal | Worldpay | Teya | Cheapest |
|---|---|---|---|---|---|---|---|---|---|
| £1,000 | £647 | £228 | £229 | £239 | £293 | £265 | £180 | - | Worldpay |
| £2,500 | £447 | £532 | £544 | £554 | £509 | £589 | £450 | - | Flatpay |
| £5,000 | £894 | £1,039 | £1,069 | £1,079 | £869 | £1,129 | £900 | - | Dojo |
| £10,000 | £1,788 | £2,053 | £2,119 | £2,129 | - | £2,209 | £1,800 | - | Flatpay |
| £20,000 | £3,376 | £4,081 | £4,219 | £4,229 | - | £4,369 | £3,600 | - | Flatpay |
Many small payments or fewer big ones?
The same £5,000 a month taken as small or large payments. Percentage-only providers cost the same either way; a fixed fee per payment (Stripe's 10p) costs far more on small payments.
| Average payment (payments a month) | Flatpay | SumUp | Square | Zettle by PayPal | Dojo | Stripe Terminal | Worldpay | Teya | Cheapest |
|---|---|---|---|---|---|---|---|---|---|
| £5 (1,000) | £894 | £1,039 | £1,069 | £1,079 | £869 | £2,089 | £900 | - | Dojo |
| £15 (333) | £894 | £1,039 | £1,069 | £1,079 | £869 | £1,289 | £900 | - | Dojo |
| £40 (125) | £894 | £1,039 | £1,069 | £1,079 | £869 | £1,039 | £900 | - | Dojo |
| £100 (50) | £894 | £1,039 | £1,069 | £1,079 | £869 | £949 | £900 | - | Dojo |
| £300 (17) | £894 | £1,039 | £1,069 | £1,079 | £869 | £909 | £900 | - | Dojo |
Your own mix of payment size and monthly takings: move both sliders in the calculator below.
What will card payments cost you in year one?
Fees on your card takings plus the cheapest terminal each provider sells. Published rates, checked 21 October 2026.
- 1.Flatpay£715
- 2.Worldpay£720
- 3.Dojo£725
- 4.SumUp£836
- 5.Square£859
- 6.Zettle by PayPal£869
- 7.Stripe Terminal£913
Flatpay includes its £39 monthly charge when takings are under its £1,100 minimum. Stripe includes 10p per payment. Optional monthly plans, VAT on hardware and providers with no published rate are left out. Your own quote may differ.
Want these numbers for your own business? Get a free Flatpay quote through GetBrent and a call back from a sales manager.
Get my free quotePremium, reward and overseas cards: no extra charge
Customers buying something expensive often pay on a reward credit card to collect points, and visitors pay on overseas cards. Many providers charge you more for those. Flatpay charges the same rate for every card type.
| Fee on a £1,000 payment on an overseas card | Cost to you |
|---|---|
| Flatpay | £14.90 |
| Zettle | £17.50 |
| Stripe Terminal (non-EEA card) | £29.10 |
| Square (non-UK card) | £37.00 |
- Flatpay: "You pay the same low rate for every card type." Its UK pages do not list which card networks it accepts, so for American Express, request info about your specific circumstances. source
- Overseas customers with eligible Visa and Mastercard cards can choose to pay in their own currency. Flatpay charges no extra fee for this and shares 1% of the conversion mark-up with the business as a discount on its fees. source
- Square: 1.75% on UK cards; 1.75% plus 1.95% on non-UK cards. source
- Stripe Terminal: 1.4% + 10p on EEA cards; 2.9% + 10p on non-EEA cards. source
- Zettle: the same 1.75% for major cards and wallets, "even American Express". source
How we compared
- Prices are read from each provider's own UK pricing page and dated. We re-check them and change the date when they move.
- Only published in-person (card present) rates are used. Online, invoice and custom rates are not.
- Year-one cost is card takings times the rate, plus any fixed fee per payment, plus the cheapest terminal. Optional monthly plans and VAT on hardware are left out.
- Dojo's published rate applies under £100,000 a year, so higher levels show a dash. Flatpay drops to 0.99% above £200,000 a year and charges £39 in months under its £1,100 minimum.
- GetBrent works with Flatpay and may receive a fee if you sign up through our quote form. That does not change any price shown.
Local comparisons
Card machines in Dorset · Card machines in Hampshire · Card machines in Wiltshire
Questions
Which card machine has the lowest fees in the UK?
On published rates for businesses taking under £100,000 a year, Dojo's 1.2% is the lowest headline rate, but its terminal costs from £149 and it has a 12-month contract. Flatpay charges 1.49% on every card type with no monthly fee and no upfront terminal cost. Which is cheapest for you depends on your takings: use the calculator.
How much does a card machine cost a small business a year?
At £5,000 a month in card takings and an average payment of £25, year-one cost on published prices is £869 with Dojo, £894 with Flatpay, £1,039 with SumUp, £1,069 with Square and £1,079 with Zettle, including the cheapest terminal. The table below shows five takings levels.
Is a percentage fee or a fixed fee per payment cheaper?
For small payments a percentage-only fee is usually cheaper: Stripe's 10p per payment adds 1% on a £10 sale. Flatpay, SumUp, Square, Zettle, Dojo and Worldpay publish percentage-only in-person rates.
How do you work out these figures?
Card takings times the published in-person rate, plus any fixed fee per payment at the stated average payment, plus the cheapest terminal each provider sells. Optional monthly plans, VAT on hardware and custom quotes are left out. Flatpay adds £39 a month when takings are under its £1,100 minimum.
Do UK customers still pay with cash?
Cash was 8% of all UK payments in 2025, down from 17% in 2020. 39% of all UK payments were contactless in 2025. (UK Finance.)
More card machine guides
Sources, last checked 21 October 2026
Facts about Flatpay come from Flatpay's own website; to get a quote, use the form on this page.
flatpay.com (pricing), sumup.com (pricing), squareup.com (pricing), zettle.com (pricing), dojo.tech (pricing), stripe.com (pricing), worldpay.com (mobile card machine), teya.com (pricing)
Want the numbers for your business? We will arrange a free Flatpay quote and a call from a local sales manager.
Get my free quoteGetBrent is an independent UK directory. We work with Flatpay and may receive a fee if you sign up through this page; that does not change the facts shown, which come from each provider's own website or the regulator, checked 21 October 2026. Terms change, so check your own agreement.