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Payments guide

Dojo vs Teya: a practical UK payments comparison

Dojo and Teya both compete for UK merchants who want payments to fit the way they trade. Compare a written offer and working setup, not just the transaction percentage.

Sources checked

Commercial disclosure: Time Consulting is an independent Dojo introducer and consultant, not Dojo and not a whole-market broker. We may receive an introducer fee if you take a product through us. Our commercial relationship should be considered when reading this guide.

In brief

There is no defensible universal price winner without your transaction mix and two like-for-like offers. Pay particular attention to Teya’s settlement destination and conditional charges, alongside Dojo’s hardware, plan and contract choices. Time Consulting introduces Dojo, not Teya.

What to compare

QuestionDojoTeya
How is pricing established?Published and custom-rate routes, with hardware and plan choices. Confirm your offer.Quote-led pricing. Request the components and card categories in writing.
Which contract applies?Current pricing advertises fixed and rolling choices for custom-rate businesses.Help documentation describes plan structures; do not interpret a headline as proof every contract is identical.
Where do takings arrive?Confirm your transfer schedule and nominated account.The public pricing page includes Teya Business Account and describes an extra transaction charge for an external account.
Will EPOS work?Verify exact software version, terminal and required payment mode.Do the same with Teya and your EPOS supplier; brand-level compatibility is not enough.

Sources: Dojo pricing, Teya pricing and Teya’s fee guidance.

Two Teya details worth checking

At our check, Teya’s pricing page stated that using a different bank account adds 10 basis points (0.10 percentage points) to transaction fees. Confirm the destination, settlement timing and applicability in your offer. Do not assume a business-account product has the same protections as a bank deposit; read the account’s own terms.

Teya also publishes minimum-volume fee guidance. Whether it applies, the threshold and the assessment period depend on the agreement. It would be misleading to apply an example fee to every Teya merchant or omit the question entirely.

Build a fair cost comparison

  1. Use the same trading inputs.

    Include transaction count, average sale, card mix, online versus in-person payments, locations and devices. Add a quiet month for seasonal trade.

  2. Include the whole package.

    List hardware, membership or plan charges, conditional minimums, refunds, disputes, settlement options and exit costs where applicable.

  3. Separate offers from assumptions.

    Label promotional expiry dates and estimates. Ask each provider to confirm the calculation and applicable contract.

Choose around the workflow you need

Ask both providers to demonstrate your actual service: counter or table payment, splitting a bill, refunds and end-of-day reconciliation. Confirm who supports the integration and how staff work if it fails. Compare support channels and hours in the offer, rather than treating a published support claim as a measured response-time guarantee.

Our Dojo fees guide and EPOS checklist cover the detail. If you decide to change, follow the switching checklist. We can help with a Dojo enquiry; obtain any Teya proposal directly or through your own chosen route.

Sources and method

Author: Time Consulting editorial team. Checked: .

We checked the public primary sources below and separated published product information from our practical planning suggestions. This is desk research, not a hands-on product test or a whole-market recommendation. Features, eligibility and terms can change; confirm your own written offer before committing.

We may receive an introducer fee. Provider approval, pricing and contractual decisions remain with the relevant provider. Ask about a source, correction or our commercial relationship.

Check a Dojo offer against your requirements

We can help clarify the Dojo side of a comparison. We do not broker Teya or claim to search the whole market.

Discuss a Dojo comparison