Yotta Pay vs payment cards

Yotta Pay is faster, cheaper, more secure, and more reliable than any traditional payment system. Go cardless to forget fraud, chargebacks, and sky-high acquiring charges.

Yotta Pay is faster, cheaper, more secure, and more reliable than any traditional payment system. Go cardless to forget fraud, chargebacks, and sky-high acquiring charges.

Discover the benefits

Modern and slick payment terminals

Made to last

No monthly rent for each terminal

Business

Payment terminals, custom invoices, sales teams, mini-CRM, and more. Sell online, face-to-face, and over the phone.

Payment terminals, custom invoices, sales teams, mini-CRM, and more. Sell online, face-to-face, and over the phone.

Up to 10x cheaper than card payment processors

Fees as low as 0.19%

Save thousands of pounds per year

Ethical

Every week, you eat enough microplastic to make a credit card. Reduce the need for plastic. Stop using payment cards and join us to make a cleaner world.

Every week, you eat enough microplastic to make a credit card. Reduce the need for plastic. Stop using payment cards and join us to make a cleaner world.

Zero plastic, paper, batteries or mains power use

Recycled, everlasting terminals

Paperless receipts

Charity

One-click donation processing for charities. Customise messages to connect with donors. Volunteers can collect on your behalf with their mobile phone.

One-click donation processing for charities. Customise messages to connect with donors. Volunteers can collect on your behalf with their phone.

One-click donation processing for charities.
Customise messages to connect with donors. Volunteers can collect on your behalf with their mobile phone.

Flat fee of 20p ex-VAT on one-off or monthly donations

0% processing charges

Collect online or offline

Bank-grade security

Yotta Pay uses the same security features as your bank

Instant account-to-account transfer

Payments confirmed with UK mobile banking

No card details required. No bank details retained

Authorised and regulated by the FCA

Based on Open Banking technology, adopted by HMRC

Personal

Instant payments to friends, family and online.
No forgettable account numbers, no expiry dates,
no harm to the environment.

Instant payments to friends, family and online. No forgettable account numbers, no expiry dates, no harm to the environment.

Request a payment from someone around, or from your phone book

Pay and receive instantly

Totally free of fees and charges

Fees

Yotta Pay is up to ten times cheaper than payment card processors. Fees as low as 0.19% for business. No chargebacks.

Higher processing fees, transaction fees, payment terminal monthly rental fees.

Terminals

No mains power, batteries or charging. No paper receipts. Use wherever there’s a mobile signal or Wi-Fi. Slick, durable and strong. Never expire. Use an infinite number of terminals without monthly fee.

Monthly rent for each terminal. Use mains power, batteries or need charging. Cough out harmful paper receipts.

No contract

No long term contract. Cancel anytime. No locked hardware. Use Yotta Pay alongside your existing card processing until their contract expires. Transition your customers to a world without cards.

Fixed contract. Usually 2-3 years. No cancellation option. Locked hardware prevents businesses from using multiple processors.

Ethical

No plastic cards required. Terminals need no mains power, batteries or charging. No paper receipts. Our terminals last forever.

Plastic payment cards expire in 2-3 years. Their waste ends up in landfills, our oceans, our food chain and inside us. Thermal paper receipts are coated in BPA/BPS chemicals that harm human hormone systems.

Ethical
Fees
Terminals
Yotta Pay

Yotta Pay is up to ten times cheaper than payment card processors. Fees as low as 0.19% for business. No chargebacks.

Cards

Higher processing fees, transaction fees, payment terminal monthly rental fees.

Fees
Terminals
No contract
Yotta Pay

No mains power, batteries or charging. No paper receipts. Use wherever there’s a mobile signal or Wi-Fi. Slick, durable and strong. Never expire. Use an infinite number of terminals without monthly fee.

Cards

Monthly rent for each terminal. Use mains power, batteries or need charging. Cough out harmful paper receipts.

Terminals
No contract
Ethical
Yotta Pay

No long term contract. Cancel anytime. No locked hardware. Use Yotta Pay alongside your existing card processing until their contract expires. Transition your customers to a world without cards.

Cards

Fixed contract. Usually 2-3 years. No cancellation option. Locked hardware prevents businesses from using multiple processors.

No contract
Ethical
Fees
Yotta Pay

No plastic cards required. Terminals need no mains power, batteries or charging. No paper receipts. Our terminals last forever.

Cards

Plastic payment cards expire in 2-3 years. Their waste ends up in landfills, our oceans, our food chain and inside us. Thermal paper receipts are coated in BPA/BPS chemicals that harm human hormone systems.

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Total annual fees:

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Your payment processor

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Total annual fees:

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Your payment processor

£0.00

*according to publicly advertised information of January 2022

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