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. Headline rate: SumUp Solo, 1.69% per transaction; Teya Pro, bespoke (blended, tiered or interchange++ per merchant). SumUp Solo is best for sole traders, mobile traders, market stalls, while Teya Pro is best for 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 our broker partner works to return 2 to 3 matched quotes.
Side-by-side
Full reviews: SumUp Solo · Teya Pro
| Compared on | SumUp Solo | Teya Pro |
|---|---|---|
| Manufacturer | SumUp | Teya |
| Acquirer | SumUp | Teya (in-house) |
| Form factor | Portable standalone touchscreen terminal (no built-in printer; Solo Lite is the cheaper phone-paired version) | Portable Android smart terminal with built-in receipt printer |
| Connectivity | 4G (free SIM), WiFi, Bluetooth | 4G (multi-carrier SIM included) |
| Upfront cost | £79 + VAT list price (SumUp often discounts it) | 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 (under about £15k 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 |
Price sources: SumUp Solo: SumUp card readers page, checked 25 September 2026.
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.
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.
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?
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. If neither describes your business, the rate and contract rows in the table above will usually settle it.
What does each contract look like, SumUp Solo vs Teya Pro?
Contract: SumUp Solo, no contract; Teya Pro, rolling monthly plan, no lock-in. Hardware: SumUp Solo, £79 + VAT list price (SumUp often discounts it); Teya Pro, 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 through our broker partner, which works to return 2 to 3 matched quotes from the 40+ card-payment providers we compare.
Can MerchantHQ help me choose between SumUp Solo and Teya Pro?
Yes. We are not tied to either acquirer. The 43 providers in our Card Acquirer Index cover the major fintech and bank acquirers in the UK. Tell us monthly card volume, sector and any ecosystem you are already inside (Stripe online, PayPal, Tide Business banking, NatWest banking), and our broker partner works to return 2 to 3 matched quotes for your business.
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Payments review: Derren Powell, payments and fintech specialist, formerly Vice President, Business Development (Merchants) at Mastercard. Independent reviewer; the MerchantHQ editorial team retains control of the final content.