SumUp Solo vs Teya Pro: Which UK Card Machine Wins in 2026?
SumUp Solo and Teya Pro are both credible UK card-acceptance choices in 2026; the right one depends on your monthly card volume, sector and the ecosystem you already sit inside. SumUp Solo runs 1.69% per transaction on a no-contract basis; Teya Pro runs Bespoke (blended, tiered or interchange++ per merchant) on a rolling monthly plan, no lock-in contract. SumUp Solo fits sole traders, mobile traders, market stalls best, while Teya Pro fits hospitality and retail wanting weekend settlement without a 12-month contract. Read both columns of the side-by-side, then the "when X wins" sections below for the buyer-fit logic. If you want us to do the work, the quote form takes two minutes and gets you matched against our 50+ UK acquirer panel.
Side-by-side
Full reviews: SumUp Solo · Teya Pro
| SumUp Solo | Teya Pro | |
|---|---|---|
| Manufacturer | SumUp | Teya |
| Acquirer | SumUp | Teya (in-house) |
| Form factor | Portable terminal with built-in receipt printer (Solo Lite is no-printer) | Portable Android smart terminal with built-in receipt printer |
| Connectivity | 4G (free SIM), WiFi, Bluetooth | 4G (multi-carrier SIM included) |
| Upfront cost | £99 to £149 hardware | Machine plans from £14.99 per month (no upfront purchase price published) |
| Rate | 1.69% per transaction | Bespoke (blended, tiered or interchange++ per merchant) |
| Contract length | No contract | Rolling monthly plan, no lock-in |
| Best for | Sole traders, mobile traders, market stalls; Low-to-medium volume (<£10k monthly); Seasonal businesses | Hospitality and retail wanting weekend settlement without a 12-month contract; Merchants who want payments and banking in one stack; Businesses leaving fixed-term ISO contracts |
| Last reviewed | 2026-04-26 | 2026-07-14 |
When SumUp Solo wins
- No contract, no monthly fee.
- Single transparent rate (1.69%).
- Hardware is well-built; battery life solid for a day of trading.
- Same-day or next-day settlement.
Best for
Sole traders, mobile traders, market stalls, Low-to-medium volume (<£10k monthly), Seasonal businesses.
Watch outs
- 1.69% is uncompetitive at higher volumes.
- No interchange-plus option.
- Locked to SumUp acquirer.
When Teya Pro wins
- Next-day settlement by 9am every day, including weekends and bank holidays.
- Rolling monthly plan with no lock-in, unusual for a plan-based terminal.
- Free Teya Business Account with instant settlement and a 0.5% cashback debit card.
- 24/7 UK-based support and 50+ ePOS integrations.
Best for
Hospitality and retail wanting weekend settlement without a 12-month contract, Merchants who want payments and banking in one stack, Businesses leaving fixed-term ISO contracts.
Watch outs
- Transaction rates are not published; pricing is a bespoke quote per merchant.
- £29.99 monthly fee when card turnover is under £2,500.
- Settling to a non-Teya bank account adds 0.10% to transaction fees.
FAQ
SumUp Solo or Teya Pro: which is the better UK card machine in 2026?
There is no single winner; it depends on what you trade. SumUp Solo is the stronger pick for sole traders, mobile traders, market stalls, while Teya Pro is the stronger pick for hospitality and retail wanting weekend settlement without a 12-month contract. Match the one whose best-fit use case is closest to your business, then sense-check the rate and contract in the table above.
What does each contract look like, SumUp Solo vs Teya Pro?
SumUp Solo runs on a no-contract basis. Teya Pro runs on a rolling monthly plan, no lock-in contract. Headline transaction rates are 1.69% per transaction for SumUp Solo and Bespoke (blended, tiered or interchange++ per merchant) for Teya Pro. Hardware cost on SumUp Solo is £99 to £149 hardware; on Teya Pro it is machine plans from £14.99 per month (no upfront purchase price published). Always verify the live commercials before signing because acquirer pricing moves and bespoke rates are common above £20k monthly volume.
Which is weakest for what?
SumUp Solo is the wrong answer for high-volume retail. Teya Pro is the wrong answer for sub-£2,500 monthly card turnover (the £29.99 fee applies). If either of those describes your business, look at the side-by-side table for the alternative, or get a quote from our 50+ UK acquirer panel and we will surface the right shortlist.
Can MerchantHQ help me choose between SumUp Solo and Teya Pro?
Yes. We are not tied to either acquirer. Our 50+ UK acquirer panel covers every major fintech and bank acquirer in the country. Tell us monthly card volume, sector and any ecosystem you are already inside (Stripe online, PayPal, Tide Business banking, NatWest banking). We match you against the providers most likely to approve and beat your current rate, then stay your named account team for the life of the account.
Related comparisons
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Get quotes →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Last reviewed: 2026-07-14. Editorial by Best Business Loans Ltd (16833937).