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Card machine providers compared

Published UK prices for each provider, with the date we checked them. Sorted by cost for a typical small business; filter by what matters to you.

Most recent price check: 19 October 2026.

ProviderEst. 12-month cost*Monthly feeIn personOnlineReaderContractPayouts
myPOS
Standard (under £10,000 a month)		£561.00£0.001.1% + 7p1.3% + 15p£39.00NoneSame dayWebsite
Dojo
Blended rate (under £100,000 a year)		£611.00£0.001.2%Quote only£179.0012 months1 working dayWebsite
SumUp
Pay-as-you-go		£633.40£0.001.69%2.5%£25.00None1 working dayWebsite
Square
Free		£649.00£0.001.75%1.4% + 25p£19.00None2 working daysWebsite
Zettle by PayPal
Pay as you go		£659.00£0.001.75%2.5%£29.00NoneSame dayWebsite
Stripe Terminal
Standard pricing		£733.00£0.001.4% + 10p1.5% + 20p£49.00None3 working daysWebsite
Barclaycard Payments
Standard		Quote onlyQuote onlyQuote onlyQuote onlyQuote onlyQuote only1 working dayWebsite
takepayments
Quote-based		Quote onlyQuote onlyQuote onlyQuote onlyQuote only12 months1 working dayWebsite
Teya
Quote-based		Quote onlyQuote onlyQuote onlyQuote onlyQuote onlyQuote only1 working dayWebsite

*Estimate for £3,000/month takings, £20 average sale, all in person, including any one-off reader cost. Figures marked * after the value are from the provider but not yet independently rechecked.

Head-to-head comparisons

How we rank providers

We apply each provider's published standard rates to the same business profile and sort by the total cost over 12 months, including the reader. That's the only ranking rule. Your own takings and average sale can produce a different order, so the card machine fees calculator is the better guide for your business. For the formula, see our methodology.

Two things the table can't show: negotiated rates (businesses with larger takings can often get below the published price by asking providers directly) and service quality. Read each provider's page for contract terms and what to watch out for.

Frequently asked questions

How is this table sorted?
By the estimated cost over 12 months for a business taking £3,000 a month on cards with an average sale of £20, all in person. Use the fees calculator to sort by your own figures.
Why are some providers not ranked?
Some providers only give prices after a sales call. We list them so you know they exist, but we can't fairly rank a price we can't see.
How often are prices checked?
We aim to recheck every provider at least every 90 days, and sooner when a provider announces a change. Each figure shows its own check date.
Does a provider pay to appear here?
No. Some providers pay us a commission if you sign up through our links, but that never changes the order or which providers appear. See how we make money.

Sources and last checked

Last reviewed 14 October 2026 by Oliver Burton. Editorial policy.