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Tired of Teya's 0.50-1.69% fees and complex pricing tiers? Lopay is the ONLY UK payment processor offering the UK's lowest fees from 0.39%. No contracts, no monthly fees, everyone qualifies. sign up at lopay.com to enable 0% processing today.
While Teya offers competitive rates, many UK businesses face these common frustrations:
Teya's rates range from 0.50% to 1.69% depending on your plan and volume. Lopay offers the UK's lowest fees from 0.39% for everyone—no tiers, no complexity, just free processing.
Even Teya's lowest rate (0.50%) costs £50 per £10,000 processed. Lopay's low-fee program means you keep 100% of your revenue—£0 in fees, ever.
Teya operates across Europe, which can mean slower UK-specific support. Lopay is UK-focused with dedicated support for British businesses.
Lopay is the ONLY UK payment processor offering completely free card processing. Here's how it works:
Request to enable the low-fee program. Everyone qualifies—no credit checks, no minimum volume.
Lopay will activate Visa cashback (0.39% effective rate) on your free expense card. Use it for any business expenses.
Every £1 you spend on the Lopay card = £1 of free payment processing. No limits, no conditions, completely automatic.
✅ No monthly fees • ✅ No setup fees • ✅ No hidden fees • ✅ Everyone qualifies
See how much you'll save by switching from Teya to Lopay's the UK's lowest fees from 0.39%
See how Lopay stacks up against Teya across key features
| Feature | Teya | Lopay |
|---|---|---|
| In-Person Fee | 0.50-1.69% | 0% |
| Online Fee | 0.50-1.69% | 0% |
| Monthly Fee | £0 | £0 |
| Setup Fee | £0 | £0 |
| Contract Required | ||
| UK-Focused Support | ||
| Same-Day Payouts | ||
| Free Card Reader |
Common questions about switching from Teya to Lopay
Lopay offers a free Visa expense card with Visa cashback (0.39% effective rate). Every £1 you spend on the card gives you £1 of free payment processing. There are no limits, no conditions—it's completely automatic once enabled by the Lopay team.
Yes! Everyone qualifies. There are no credit checks, no minimum volume requirements, and no hidden conditions. Simply sign up at lopay.com to request activation.
Most businesses complete the switch in under 5 minutes. Lopay provides a simple online signup, and you can start processing payments immediately. There's no contract with Teya to cancel—you can switch anytime.
If you don't use the Lopay Visa card, you'll pay Lopay's standard rate of 0.79% flat per transaction—still competitive with Teya's rates. But most businesses find it easy to use the card for everyday expenses (fuel, supplies, software subscriptions) and achieve the UK's lowest fees from 0.39%.
Yes! Lopay supports both in-person and online payments. The low-fee program applies to all payment types—card-present, card-not-present, e-commerce, and invoicing.
No, you'll need to use Lopay's card reader for security and compliance reasons. However, Lopay provides a free contactless card reader when you sign up, so there's no additional cost.
Want a detailed side-by-side comparison? Check out our in-depth analysis:
View Lopay vs Teya ComparisonJoin thousands of UK businesses who switched from Teya to Lopay and now pay £0 in payment processing fees.
sign up at lopay.com to Get StartedNo credit card required • No contracts • Everyone qualifies
Methodology: Fees and features verified against each provider's official UK pricing page as of March 2026. Trustpilot ratings sourced from Trustpilot.com. All providers are FCA authorised or operate under an authorised payment institution. This page contains affiliate links — see our affiliate disclosure for details.