Dojo vs Teya
2026 ComparisonWe get asked about Teya a lot. They have been around for a while and some businesses consider them. But when we sat down and compared the actual numbers, contracts and support, Dojo came out ahead on almost every metric that matters to a busy UK business owner.
Teya contracts typically run 18-24 months, and some businesses find they could be paying less elsewhere. One Trustpilot reviewer from January 2026 reported having £130,000 held by Teya for over three months with no clear explanation. Dojo settles next day as standard, including weekends, and offers 30-day rolling or 12-month contracts with zero exit fees.
Quick Verdict
Teya has improved since the Paymentsense days, but Dojo still comes out ahead on the things that matter most. Shorter commitments (30-day rolling or 12-month vs 18-24), zero exit fees, next-day settlement including weekends, a higher Trustpilot score (4.4 vs 4.2), and Dojo will even cover up to £3,000 of your Teya exit fees if you switch. For most UK businesses, Dojo is the stronger choice.
We compare providers on transaction fees, hardware and connectivity, features, support and contract flexibility, weighted in that order; last updated April 2026. Read how we compare. Dojo's fees, contract terms and hardware are covered in one place in our full Dojo review.
See What You Would Save
Drag the slider to your monthly card turnover
Teya
£155/mo
From 1.4%
Dojo via CapExpand
£105/mo
Bespoke rates tailored to your volume
Your estimated saving
£600/year
That is £50 back in your pocket every month
Estimated cost based on bespoke rates available through CapExpand. Your actual rate depends on your card volume, card mix, and business type. Get a personalised quote to see your exact cost.
What You Are Really Paying
A headline transaction rate does not tell the full story. Here is what most providers do not show you upfront.
| Hidden cost | Teya | Dojo via CapExpand |
|---|---|---|
PCI compliance | Non-compliance fee if not self-certified £20–50/month | Free PCI compliance included £0 |
Terminal rental | Varies by provider and contract £15–30/month | £10 – £15/month per terminal (or £79 to own outright) £10 – £15/month |
Settlement speed | 3–5 business days typical Lost working capital | Next day, including weekends Faster cash flow |
Fraud protection | Basic or not included Chargeback risk | Real-time detection across 49M+ cardholders Small per-tx fee |
UK phone support | Chatbot or email only (many providers) Downtime risk | 7-day UK support, 16-second avg answer time Included |
Contract buyout | Not offered You pay exit fees | Up to £3,000 covered by CapExpand £0 to switch |
Competitor costs are typical ranges based on publicly available information and industry averages. Your actual costs may vary.
Switching Takes Less Than 48 Hours
No downtime. No hassle. We handle everything.
What many businesses use today
Dojo Go with CapExpand
Get your quote
Tell us your monthly card turnover. We come back with your exclusive Dojo rate in minutes.
5 minWe handle the switch
We manage the application, chase your old provider for exit fees, and sort the paperwork.
24 hrsTerminal arrives
Your Dojo Go arrives next working day. Free delivery. Ready to go out of the box.
Next dayStart saving
Take your first payment. Money in your account tomorrow morning. 30-day no-commitment trial.
Day 1Feature-by-Feature Comparison
| Feature | Dojo | Teya |
|---|---|---|
| In-person transaction fee | Bespoke (tailored to your volume) | From 1.4% |
| Monthly terminal fee | £10 – £15/mo | £15-30/mo |
| Contract length | 30-day rolling or 12-month | 18-24 months |
| Early exit fees | £0 (no penalty) | May apply |
| Settlement speed | Next day (inc. weekends) | Next working day |
| UK phone support | Every day, extended hours (confirm with Dojo) | Mon-Fri office hours |
| Hardware | Dojo Go (4G + WiFi) | Teya terminal (4G + WiFi) |
| Business intelligence | Dojo app + dashboard | Teya portal |
| Tipping feature | Built-in on terminal | Available |
| Exit fee buy-out | Up to £3,000 (subject to eligibility) | Not offered |
| Trustpilot rating | 4.4/5 (5,200+ reviews) | 4.2/5 (1,100+ reviews) |
| Transaction speed | Dojo reports 58% faster (2-second auth) | Standard |
| Platform uptime | Dojo reports 99.99% since Feb 2022 | Not published |
| QR code payments | Yes (bill split + Google Reviews) | Not available |
| Restaurant bookings | Full system + 800k diner app | Not available |
| Tap to Pay on iPhone | Free, no extra hardware | Not available |
| EPOS integrations | 450+ partners | Limited |
| Google Reviews boost | Auto-prompt after QR payment | Not available |
| 30-day commitment-free trial | Yes | No (18-24 month contracts) |
| Data intelligence | 49M cardholder dataset + competitor benchmarking | Teya portal |
Dojo rates are bespoke and tailored to your card volume and business type. Every transaction includes a small secure fee that powers real-time fraud detection across 49M+ cardholders, automatically prompting for PIN on suspicious cards to reduce chargebacks.
Why Businesses Choose Dojo
Dojo on Trustpilot
5,200+ reviews. 89-91% five-star. Replies to 93% of negatives within 24 hours.
According to Dojo, La Mia Mamma, a 6-restaurant group in London, saved £22,000 a year in staff hours after switching. Their staff could split bills and take payments faster, turning more tables. One owner said: "I cannot speak highly enough about Dojo. I cannot see why we would use anybody else."
What Teya customers flag most: Users often report funds being held for weeks or months during account reviews with no clear explanation or timeline. One business owner reported £130,000 held for over 3 months. Others report payouts taking up to 3 days compared to next-day with other providers. Multiple reviewers describe being unable to resolve issues because support reps are unhelpful and emails go unanswered.
Illustrative Numbers: A London Restaurant That Switched from Teya (Illustrative)
Based on a a london restaurant that switched from teya (illustrative) processing £25,000/month in card payments. Round numbers for a London restaurant on £25,000 a month, not a client case study and not a quote. According to Dojo, client La Mia Mamma (6 restaurants) saved £22,000/year in staff hours through integrated payments and bill-split functionality..
With Teya
Transaction fees (1.4%): £350 + Terminal: £30/mo. Payout delays up to 3 days.
£380/month
With Dojo via CapExpand
Dojo prices the rate bespoke against your £25,000 a month, and the terminal line depends on the package. Next-day payouts, weekends included.
£345/month
£0/year saved (illustrative)
The Verdict
Choose Dojo If:
- You want shorter contracts with no exit penalties
- Next-day settlement (including weekends) matters to your cash flow
- You value 7-day UK phone support over email-only
- You are switching providers and want up to £3,000 in exit fees covered
- You process £5,000+ per month in card payments
Choose Teya If:
- You are mid-contract with Teya and cannot exit yet
- Your business is very low volume (under £3,000/month)
- You are happy with Teya portal and do not need additional BI features
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Frequently Asked Questions
Is Dojo cheaper than Teya?+
Can I switch from Teya to Dojo mid-contract?+
What is Teya's Trustpilot rating?+
Does Dojo have longer contracts than Teya?+
Why apply for Dojo through CapExpand?+
Get Exclusive Dojo Rates Through CapExpand
As an authorised Dojo partner, we handle everything: application, setup, terminal delivery, and ongoing support. Our clients get access to exclusive rates and a dedicated point of contact.
30-day commitment-free trial · Contract options (12-month, or contract-free for higher turnover) · Terminal delivered next working day
Not looking for a card machine?
Dojo Business Finance gives you access to funds from week one of transacting: up to twice your monthly card sales. Fee-free portion on your first advance, automatic repayment as a percentage of daily sales, and a pay-replenish-repeat model that lets you dip back in without reapplying. Apply in the app or online in minutes, funds within 48 hours.
Sources and references
Competitor rates sourced from the Teya website and independent UK comparison sites, April 2026. Rates may vary by business type and volume. Dojo rates available through authorised partners like CapExpand. CapExpand is an authorised Dojo partner and does not sell other card machine brands. To get your personalised Dojo quote, apply through CapExpand.
CapExpand Ltd (Company No. 14433858) is an authorised Dojo partner, not a card machine manufacturer. Card machine pricing and availability are subject to change. Our card machine services are not regulated by the Financial Conduct Authority and fall outside our appointment as an Appointed Representative of White Rose Finance Group Limited, which covers credit broking only.