Teya vs Dojo: which saves you more?
Dojo edges this one. Under £100,000 a year in card turnover it publishes a 1.2% all-in blended transaction rate for all card transactions: at £5,000 a month that is 1.2% × £5,000 = £60.00 against £79.50 on Teya's published Start plan (1.59% on consumer cards, £0 monthly membership). Neither charges a setup fee, and above £100,000 Dojo quotes a custom rate; we have seen quotes as low as 0.29% for high-turnover businesses. Teya is a solid modern provider, but Dojo matches or beats it on the lines we compared and scores slightly higher with customers (4.3/5 vs 4.2/5).
Rates and contract terms checked 27 August 2026 · Based on providers' published pricing
Dojo
- Under £100k/yr
- 1.2%
- Over £100k/yr
- Custom
- Setup fee
- £0
Teya
- Transaction
- 1.3-1.95%
- Monthly
- £15-30
- Setup fee
- £0-50
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
Rates and contract terms compared
Both are modern, UK-focused providers with competitive rates. Here's how their published pricing and terms line up.
| Feature | Teya | Dojo |
|---|---|---|
| Pricing | Start plan: 1.59% on consumer cards (published, £0-£7,500/month turnover); higher-volume plans per business | 1.2% all-in blended rate on all cards (under £100k/year); custom quote above |
| Monthly fee | £0 membership; £29.99 in months under £2,500 card turnover | £0 on the Essential plan; terminal rental from £15/month if you rent (none through MerchantSwitch) |
| Setup fee | £0 (hardware bought upfront: Teya Pro £179, Teya Lite £89) | £0 |
| Contract | No lock-ins advertised | Minimum term set in your application documents; at least one month’s written notice; no early closure fee in the first month |
| Early exit fee | May apply | Early account closure fee possible before your minimum term ends (amount not published); none if you end it in the first month |
| Customer rating | 4.2/5 | 4.3/5 |
The takeaway: at £5,000 a month on cards, Dojo's 1.2% costs £60.00 against £79.50 on Teya's Start plan (£5,000 × 1.59% on consumer cards), roughly £234 a year apart with the Dojo terminal free through MerchantSwitch or bought upfront. Rent a Dojo Go Max at £25/month instead and Dojo is £85.00, so Teya with its reader bought upfront comes out ahead. Two Teya caveats to price in: other card types cost more than the 1.59%, and settling to your own bank account rather than a Teya Business Account adds 0.10% to transaction fees. Businesses past Teya's £7,500 a month Start ceiling or Dojo's £100,000 a year published-rate ceiling are quoted per business by both sides, so get both quotes in writing and compare at your own numbers.
Want Teya and Dojo priced at your numbers?
Tell us your monthly card takings and we will quote both, honestly, plus other UK providers. Free Dojo terminal with no rental if Dojo wins it. We respond in under 5 minutes.
Where each provider wins
Where Dojo wins
- A published rate - 1.2% all-in on all cards (under £100k a year card turnover), £60.00 at £5,000 a month vs Teya's 1.3-1.95% plus monthly fees
- No setup fee - £0 vs up to £50 with Teya
- First-month exit - no early closure fee if you leave in the first month, then at least one month’s written notice, vs terms of up to 24 months
- Customer satisfaction - rated 4.3/5 vs Teya's 4.2/5
- Transparent pricing - one published rate; Dojo does not publish its secure transaction, refund or minimum monthly fees, so ask for them in writing
Where Teya wins
- Competitive rates - 1.3-1.95% is still well below the legacy acquirers
- Heritage - grew out of Paymentsense, a long-established UK network
- Solid reviews - a respectable 4.2/5 customer rating
- Setup can be free - the £0-50 setup fee is often waived
How we calculated this
We take Teya's and Dojo's published or typical advertised rates and apply them to example monthly card volumes . Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with Teya and Dojo before you commit.
The verdict
Choose Dojo if
- You want the lowest published fees of the two
- You value transparent pricing with no surprise charges
- You want the option to leave in the first month with no early closure fee
- You run a UK restaurant, cafe or retail shop
- Customer support responsiveness matters to you
Choose Teya if
- You have been quoted a rate below Dojo’s for your volume
- You are already with Teya or Paymentsense and happy with the service
- You prefer Teya’s terminals and ecosystem
- A 12-24 month contract term does not put you off
Leaning Teya? We broker both. Send us your takings and we will show you the Teya and Dojo maths side by side, and tell you straight if Teya wins at your volume.
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.