Cheapest Card Machine UK 2026

Upfront Cost: Square Reader (£19+VAT) is cheapest to buy.
Transaction Fees: SumUp (1.69%) is cheapest per transaction.
Total Cost (3 years): Dojo is often cheapest overall for businesses processing £10k+/month.

Top 3 Cheapest Card Machines

1. Square Reader - Cheapest Upfront (£19)

  • Hardware: £19 + VAT
  • Transaction Fee: 1.75%
  • Monthly Fee: £0
  • Best for: Very low volume (under £5k/month)

2. SumUp Solo - Cheapest Per Transaction (1.69%)

  • Hardware: £29 + VAT
  • Transaction Fee: 1.69%
  • Monthly Fee: £0
  • Best for: Low to medium volume

3. Dojo - Cheapest Total Cost (High Volume)

  • Hardware: £0 upfront
  • Transaction Fee: From 0.79%
  • Monthly Fee: £9.95
  • Best for: £10k+/month in card sales

True Cost Comparison

Based on £10,000/month card sales over 36 months:

  • Square: £6,319 total
  • SumUp: £6,113 total
  • Dojo: £3,934 total (CHEAPEST!)

How to Choose

Under £3k/month sales: Square
£3k-£10k/month: SumUp
Over £10k/month: Dojo
Over £50k/month: Negotiate custom rates

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