Alternatives to Zettle Reader 2: 5 Better-Fit UK Card Machines in 2026
If you are looking at alternatives to Zettle Reader 2, the usual reason is one of two things: 1.75% rate uncompetitive above £8k monthly, or the fact that Zettle Reader 2 is the wrong fit for standalone use. The five UK card machines below solve one or both of those problems. Dojo Go Max is our strongest-fit alternative (rate: 1.2% blended below £100,000 a year in card takings (custom rate above); contract: 12 months minimum). SumUp Solo runs with no contract if lock-in is the blocker. The rest of this page is the 5-card shortlist, then a short "when to stick with Zettle Reader 2" block for balance, then how we picked, then FAQs. Rates, contracts and hardware prices come from the same terminal data as our full reviews.
Top 5 alternatives to Zettle Reader 2
| Alternative | Rate | Hardware | Contract | Best for |
|---|---|---|---|---|
| 1. Dojo Go Max | 1.2% blended below £100,000 a year in card takings (custom rate above) | £149 upfront on a launch offer (£229 full price) or £25 a month | 12 months minimum | Hospitality (restaurants, pubs, cafés) |
| 2. SumUp Solo | 1.69% per transaction | £79 + VAT list price (SumUp often discounts it) | No contract | Sole traders, mobile traders, market stalls |
| 3. Tap to Pay on iPhone (no terminal) | Set by the provider you use it with; see that provider's own pricing page | £0 hardware (you already have the iPhone) | No fixed term for the feature itself; any contract is with your provider | Mobile traders, dog groomers, mobile beauticians |
| 4. Square Terminal | 1.75% per transaction (UK) | £149 + VAT | No contract | Independent retail |
| 5. Revolut Card Reader | 0.8% to 1.0% per transaction (depending on subscription tier) | £49 hardware | Subscription-tier dependent (Revolut Business plan) | Existing Revolut Business customers |
1. Dojo Go Max
1.2% blended below £100,000 a year in card takings (custom rate above) · £149 upfront on a launch offer (£229 full price) or £25 a month · 12 months minimum
Dojo Go Max is the strongest UK card terminal for hospitality and retail at £10k+ monthly card volume in 2026.
- Same-next-day settlement (unusual in UK).
- Robust hardware tested across hospitality.
- 12-month minimum contract.
2. SumUp Solo
1.69% per transaction · £79 + VAT list price (SumUp often discounts it) · No contract
SumUp Solo is the strongest no-contract UK card terminal for sole traders, mobile businesses and sub-£15k monthly card volume in 2026. £79 + VAT hardware at list price, 1.69% per transaction on pay-as-you-go, no contract, no monthly fee, free 4G SIM.
- No contract, no monthly fee.
- Single transparent rate (1.69%).
- 1.69% is uncompetitive at higher volumes.
Set by the provider you use it with; see that provider's own pricing page · £0 hardware (you already have the iPhone) · No fixed term for the feature itself; any contract is with your provider
Not a hardware terminal, but covered here because it replaces one for many small businesses. Take contactless card and Apple Pay payments directly on a compatible iPhone with no separate reader.
- Zero hardware cost.
- No separate hardware to buy or set up.
- iPhone Xs or later required.
1.75% per transaction (UK) · £149 + VAT · No contract
Square Terminal is the strongest all-in-one no-contract UK card terminal for independent retail and small hospitality in 2026. £149 + VAT hardware with built-in receipt printer, 1.75% per transaction, no contract, no monthly fee.
- Strong POS app and reporting.
- No contract, no monthly fee for hardware.
- 1.75% UK rate is high vs Dojo blended.
0.8% to 1.0% per transaction (depending on subscription tier) · £49 hardware · Subscription-tier dependent (Revolut Business plan)
Revolut Card Reader is part of the Revolut Business stack. Headline rate is among the cheapest in the UK SMB market, but conditional on holding a Revolut Business subscription.
- Cheapest UK headline rate (0.8% on higher Revolut Business plans).
- Strong international payments and FX integration.
- Rate conditional on Revolut Business subscription (£25 to £100+ per month).
When to stick with Zettle Reader 2
Zettle Reader 2 is still the right choice for existing PayPal merchants and pop-up retailers, market traders. The two strongest reasons buyers stay: cheapest entry point for hardware (£29), and PayPal ecosystem integration. If your business sits inside existing PayPal merchants, switching is friction without upside. The alternatives above are for buyers who hit a real blocker on Zettle Reader 2, not for buyers who are just shopping rate.
Read the full Zettle Reader 2 review for the year-one cost model, hardware detail and full verdict.
How we picked these alternatives
Each shortlist starts from a hand-curated seed of the 4 most-considered alternatives for the source terminal in UK 2026 buyer journeys, then tops up to 5 with the next-highest-rated terminal in our database that shares at least one best-fit cluster with the source. The intent is to keep the shortlist semantically meaningful: an alternative to a sole-trader reader is another sole-trader reader, not an enterprise platform.
Ratings, rates, contracts and hardware costs are pulled from the MerchantHQ terminals dataset. Headline rates are verified against each acquirer's public pricing; bespoke rates apply above roughly £20k monthly card volume so always verify the live commercials before signing.
MerchantHQ is owned and operated by Best Business Loans Ltd (16833937), directed by Oliver Mackman. Editorial methodology: how we score UK card terminals.
FAQ
What is better than Zettle Reader 2 in 2026?
Dojo Go Max is the strongest-fit of the five alternatives to Zettle Reader 2. Rate: 1.2% blended below £100,000 a year in card takings (custom rate above). Contract: 12 months minimum. Hardware: £149 upfront on a launch offer (£229 full price) or £25 a month. The honest caveat: "better" depends on your card volume and trade. For existing PayPal merchants, Zettle Reader 2 still holds up.
Is there a free alternative to Zettle Reader 2?
SumUp Solo runs with no contract; hardware is £79 + VAT list price (SumUp often discounts it). No UK card terminal is truly free once you account for the transaction rate, but SumUp Solo at 1.69% per transaction has the lowest commitment of the five alternatives on this page. Best fit: sole traders, mobile traders, market stalls.
What is the cheapest alternative to Zettle Reader 2?
Of the alternatives that publish a percentage rate, Revolut Card Reader starts lowest (0.8% to 1.0% per transaction (depending on subscription tier); hardware £49 hardware; contract subscription-tier dependent (Revolut Business plan)). Alternatives priced per merchant are not directly comparable until you have a quote.
Cheapest on rate is not always cheapest on year-one cost once you factor in hardware, monthly fees and ecosystem lock-in (rate conditional on Revolut Business subscription (£25 to £100+ per month)). Use the MerchantHQ quote tool for a modelled comparison against your actual volume.
Which alternative is best for existing PayPal merchants?
Dojo Go Max is the strongest pick on the shortlist for existing PayPal merchants. Its main strength: same-next-day settlement (unusual in UK); the main watch-out: 12-month minimum contract. The card above has the detail.
Should I switch from Zettle Reader 2?
Switch if you are hitting 1.75% rate uncompetitive above £8k monthly or if standalone use. Stay if your business is in existing PayPal merchants and the current contract is reasonable. MerchantHQ runs switching support across 40+ UK card-payment providers. Quote enquiries go to one card-payments broker, Merchant Advice Service, which pays us a fee for each introduction; acquirers do not pay us commission on quote enquiries. That fee never affects a ranking.
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Get matched →Last updated: . Written by Adam Parker for Best Business Loans Ltd (16833937).