Independent UK card payment reviews
Comparison
Teya vs SumUp
| Consideration | Teya | SumUp |
|---|---|---|
| Pricing model | Blended | Pay-as-you-go |
| Contract | Varies by package | Typically contract-free on the core reader |
| Terminal | Card reader / POS | Low-cost reader, usually purchased outright |
| Settlement | Next business day | 1–2 business days |
| Best fit for | Established small businesses with steady turnover | Sole traders, market stalls, very small businesses |
Pricing
Pay-as-you-go is usually cheapest at low turnover. A blended monthly package can be cheaper once turnover is consistent.
Contracts
SumUp's core offering is contract-free. Teya packages may include a minimum term.
Suitability
Choose by turnover and use case - sole trader vs. established small business - rather than headline rate.
We don't declare a winner. The right provider for your business depends on your turnover, card mix, transaction values and existing contract position. Upload your statement for a personalised review.
Get a personal review for your business
Tell us how your business takes payments and, if you have one, add a recent statement. We will review the whole arrangement and explain whether staying, renegotiating or comparing another option makes sense.
Free to review. No obligation. Statement optional.