Independent UK card payment reviews
Dojo vs Teya: compare the cost and the way you trade
Both can serve a single shop, a busy restaurant or a growing group. Start with your card turnover, customer card mix and till system. Then compare the complete written offers. This is a review of published provider information, not a hands-on terminal test or a promise of savings.
Free review. No statement or competing quote needed to start. No obligation to switch.
Dojo and Teya at a glance
Dojo: Published entry pricing plus tailored blended quotes for larger volumes.
Teya: Published plans, with blended, multi-rate or IC++ pricing depending on the agreement.
Dojo: The current pricing page advertises 12-month fixed or 30-day rolling options for custom-rate business.
Teya: Flexible agreements have no minimum commitment. Fixed-term offers also exist; early-exit costs can apply.
Dojo: Dojo Go Max for mobile payments, Pocket for orders and payments, and Wired for a fixed counter.
Teya: Current store range includes Pro with a printer and compact Lite. Confirm model and connectivity in the offer.
Dojo: Next-day transfers are advertised. Confirm the cut-off, weekends and destination bank for your account.
Teya: The store plan advertises next-day payouts to a Teya Business Account. Other settlement settings can change the fee.
Dojo: Published EPOS integrations and table-service features; check your software and version.
Teya: App-to-app and cloud integrations are documented; check the named EPOS partner and required features.
Dojo: Published technical support: 8am–11pm, seven days a week.
Teya: The current store plan advertises 24/7 support. Confirm the replacement-device process separately.
Sourced from each provider's official pages, last checked 9 October 2026. Terms vary by merchant, so check your individual quote or agreement.
Pricing and contract considerations
Compare the same month of sales under each proposed tariff, then add equipment and service charges. The published entry offers below cover different card categories and conditions, so they are not a like-for-like quote.
- Published entry offers. At the check date, Dojo advertised 1.2% blended pricing below £100,000 annual card turnover, with custom rates above that. Teya's Start plan advertised 1.59% for consumer cards and a £29.99 fee below £2,500 monthly card turnover. Check all applicable card rates and eligibility.
- Higher turnover. A difference of 0.10 percentage points on £100,000 monthly card sales equals £100 a month before other charges. That is arithmetic, not a saving forecast. Reprice business cards, overseas cards, refunds and every location before judging a quote.
- Equipment and software. Record what you pay upfront, per machine and per location, including applicable VAT. Teya describes PayOnce as prepaid rental for a fixed period, so an upfront payment does not necessarily mean you own the machine.
- Leaving an agreement. Obtain the notice period and exit calculation in writing. Teya says fixed-term early exit can include remaining terminal rent and a company-level cancellation fee. Any incentive to switch must be assessed against the costs your existing provider will actually charge.
Machines, payment channels, settlement and support
A restaurant with table service
Illustrative decision: ask each supplier to demonstrate your own menu, split payments, tips, refunds and end-of-day reconciliation with the proposed EPOS integration. A supported till brand alone does not establish that every function works on your software version.
A growing retail group
Illustrative decision: compare a complete estate of devices and subscriptions, not the price of one terminal. Test staff permissions, reporting by location and reconciliation to the bank. Ask what happens to pricing and contract dates when you add or close a site.
A seasonal business
Use a quiet month as well as a busy month. Fixed charges and minimum-volume conditions can reverse the apparent advantage of a lower percentage. Agree what happens during closures and whether equipment payments continue.
The cost of faster access to funds
Teya's settlement guide lists business-day payouts at the standard rate, everyday payouts at an extra 0.1%, and eligible instant payouts to its Business Account at an extra 0.2%. Its store offer also includes everyday payouts, so establish which terms your plan includes before adding a surcharge. Ask Dojo to confirm the equivalent schedule in writing.
Best fit and what to check
Dojo
May be worth considering for
- A business whose existing EPOS supports the Dojo features it needs.
- An operator comparing a tailored blended offer across its card mix and locations.
Check before committing
- The total cost of the chosen hardware and any paid software plan.
- Demonstrated table or counter workflow, internet coverage and backup connectivity.
- The offered commitment, notice period and payout arrangements, including weekends.
Teya
May be worth considering for
- A business wanting to compare different fee models against its statement.
- An operator whose till supports Teya's app-to-app or cloud integration.
Check before committing
- Whether minimum-volume, membership or settlement charges apply to this offer.
- Whether funds arrive in a Teya Business Account or your existing bank.
- Equipment ownership or rental, the agreement term and any early-exit charges.
What we would check when reviewing your current deal
A useful review starts with a recent statement and either written quote. If you are opening a new business, estimates of turnover, average sale and payment channels are a starting point.
- Card turnover by location and by quiet or busy month.
- Consumer, business, international and American Express card mix.
- Every rate, per-payment fee, fixed charge and optional service.
- The exact till integration, number of devices and support requirements.
- Current end dates and exit costs before calculating any switching benefit.
The aim is to establish the better fit for your business. Keeping your existing arrangement can be the right conclusion if the alternative does not improve the total cost or service.
Dojo vs Teya
Frequently asked questions
No pressure and no jargon. If your question is not here, call us and ask it directly.
It depends on the offer and your transactions. Apply each quote to the same card mix, add hardware and subscriptions, and include any settlement or minimum-volume fees. An offer described as a consumer-card rate is not directly comparable with a rate covering a wider card mix.
Do not assume it does. Both publish flexible and fixed options. Your signed offer determines the commitment, notice and equipment obligations; existing customers may be on older terms.
Both publish integration options. Confirm your exact software version with the till supplier, request a demonstration of the functions you use, and ask whether either supplier charges for connecting the systems.
It can be, because small rate differences apply to a larger sales volume and multi-site equipment costs add up. A review still needs to account for card mix, exit costs and service requirements. Higher turnover does not itself guarantee a better offer or a saving.
Is there a better deal for your business?
We review your current costs and compare suitable options from our selected provider network where useful. We explain whether staying, renegotiating or switching makes sense. A statement helps us check the details, but neither a statement nor another provider's quote is needed to start.
Dojo sources
Teya sources
Information from these sources last checked 9 October 2026. Provider names and trademarks identify the products discussed; their inclusion does not imply endorsement of this page. Card Payment Connect compares suitable options from a selected provider network, not the whole market. If you choose a provider we introduce, that provider may pay us a referral fee.