Cheapest Card Machine UK 2026
Upfront Cost: Square Reader (£19+VAT) is cheapest to buy.
Transaction Fees: SumUp (1.69%) is cheapest per transaction.
Total Cost (3 years): Dojo is often cheapest overall for businesses processing £10k+/month.
Top 3 Cheapest Card Machines
1. Square Reader - Cheapest Upfront (£19)
- Hardware: £19 + VAT
- Transaction Fee: 1.75%
- Monthly Fee: £0
- Best for: Very low volume (under £5k/month)
2. SumUp Solo - Cheapest Per Transaction (1.69%)
- Hardware: £29 + VAT
- Transaction Fee: 1.69%
- Monthly Fee: £0
- Best for: Low to medium volume
3. Dojo - Cheapest Total Cost (High Volume)
- Hardware: £0 upfront
- Transaction Fee: Competitive rates
- Monthly Fee: £9.95
- Best for: £10k+/month in card sales
True Cost Comparison
Based on £10,000/month card sales over 36 months:
- Square: £6,319 total
- SumUp: £6,113 total
- Dojo: £3,934 total (CHEAPEST!)
How to Choose
Under £3k/month sales: Square
£3k-£10k/month: SumUp
Over £10k/month: Dojo
Over £50k/month: Negotiate custom rates
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