Join Scotland's first Payments Buying Basket and claim a free card machine worth £200

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the future for payment processing is here

Flexible, no contract, low cost card processing

Free Card Machine for small businesses.

NO RENTAL Card Machine & free ePOS system*. Stop paying expensive monthly rental charges for your ca

Stop paying expensive monthly rental for your card machines.  Members get a free Teya card machine & optional ePOS system worth over £1000!  Includes free accidental damage cover too!  Choose one or both, it's your choice!

Simple charging structure - ZERO authorisation fees!

Pay a flat rate for each card type on all your card transactions.  No settlement fees, no PCI charges, no authorisation fees and no monthly terminal rental!  Save £££'s with our flexible PAYG payments package.  

Flexible Agreement: Leave at any point without penalty!

Looking for a more flexible card payment solution?  Our Teya PAYG platform rolling agreement means you can leave at any point without penalty!  We are so confident in our Teya partnership product, we don't have to rely on long term contracts with hefty exit fees!  Transparent, simple and very affordable. 

7 Day and instant settlement options

Your sales are settled in your Teya Business Account the next day, even on weekends.  Get your hard earned money quicker and with instant settlement due this Autumn, card payments are just as fast as cash!

Sell remotely with Pay By Link and no surcharge!

 Payments from anyone, anywhere. Send a quick and secure link and get paid in seconds. 

Debit Card with unlimited 0.5% cashback

Unlimited monthly cashback: powered by your Teya debit card.  Use your business debit card and offset your cashback against your cad processing fees.  Use our calculator to see how this would save you money.

Tap to Pay - take payments on your phone at no extra cost

 Turn your phone into a card machine for contactless payments. 

Cash advance up to £500,000

 Flexible, fast and transparent funding – payable directly from your sales. 

Available on our buying basket - Low rates...always

Join our payments buying basket initiative and get a free card machine, low rates that get lower as more businesses join, 24/7 telephone support, accidental damage cover, free tap to pay and more.  Current basket rates (Jan-March '26) are:


Debit Card:  0.6%

Credit Card:  0.7%

Business Card: 1.6%

International Card: 1.6%


Authorisation Fees:  £0 

PCI compliance:  £0

Analytics & management software:  £0

MMSC:  £0


Low rates that go down and not up!  

Choose how you accept payments

P2 Pro Terminal

Our premium flagship terminal on Teya packages offering sleek design, built in printer, 4G & wifi connectivity and longer battery life.  Integrates with over 50 epos systems out of the box.


Available for a one off payment of £139!


Free for businesses transacting over £50k in card transactions per month.  

Pax A77

The ultimate in portability merged with traditional card functionality & reliability.


Great for taxi drivers, delivery drivers, market traders and all types of mobile business.  Great rates and easy to use, this is the obvious replacement for merchants using Sumup, Zettle or Square mobile systems at less than half the price.  One off cost of £69 + VAT

Tap to Pay

Tap to Pay

 Turn your phone into a card machine, and let your customers tap to pay with contactless payments. Ideal as a back up or for those unexpected busier spells.  Free for all Solus Teya merchants and also available for merchants with monthly card turnover below £5k

savings calculator

Average savings for 2025 YTD: 54.3%
Calculate my savings in under a minute

Copyright © 2026 Business Cooperative (Scotland) Limited - All Rights Reserved.   Incorporation No.   SC745726 

The Scottish Business Coop is a trading style of Business Cooperative (Scotland) Limited


DRO Dispute Resolution Ombudsman Registered & Accredited:    Membership No: E3516


ICO Registration Reference:   ZB869440  


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