Card machines with no monthly fee
These UK plans charge no monthly subscription: you pay a percentage of each card payment, plus the machine. They suit lower or seasonal takings. Above a certain level, a plan with a monthly fee and a lower rate can work out cheaper, so check both.
- SumUp Pay as you go
- Square Free
- Flatpay Payment terminal
- Dojo Essential
- Teya Start (note: £29.99 a month if takings are under £2,500)
The cheapest no-monthly-fee plan at each level
| Monthly card takings | Cheapest | Per month | Effective rate |
|---|---|---|---|
| £500 | Flatpay Payment terminal | £7 | 1.49% |
| £1,000 | Flatpay Payment terminal | £15 | 1.49% |
| £2,500 | Flatpay Payment terminal | £37 | 1.49% |
| £5,000 | Dojo Essential | £72 | 1.448% |
| £10,000 | Flatpay Payment terminal | £149 | 1.49% |
| £20,000 | SumUp Pay as you go | £340 | 1.7% |
| £40,000 | SumUp Pay as you go | £678 | 1.695% |
Typical mix of 70% UK debit, 25% UK credit and 5% premium cards; the cheapest machine bought outright, spread over 12 months.
Compared with every plan
| Monthly card takings | Cheapest | Per month | Effective rate |
|---|---|---|---|
| £500 | Flatpay Payment terminal | £7 | 1.49% |
| £1,000 | Flatpay Payment terminal | £15 | 1.49% |
| £2,500 | Flatpay Payment terminal | £37 | 1.49% |
| £5,000 | SumUp Payments Plus | £71 | 1.412% |
| £10,000 | SumUp Payments Plus | £120 | 1.201% |
| £20,000 | SumUp Payments Plus | £219 | 1.095% |
| £40,000 | SumUp Payments Plus | £417 | 1.043% |
Typical mix of 70% UK debit, 25% UK credit and 5% premium cards; the cheapest machine bought outright, spread over 12 months.