What is Teya, and why are more merchants looking at it?

Teya positions itself in Hungary as a bank-independent payment provider offering POS terminals, phone-based SoftPOS, online payments, and payment links within one ecosystem. That combination is attractive for small and medium-sized businesses that do not want to be tightly tied to a traditional bank package but still want fast onboarding, next-day settlement, and one provider across in-store, mobile, and online payment acceptance.

The public Teya information and the POSnavigator Offers API data referenced in this article reflect the status as of March 27, 2026. The merchant-feedback section is based mainly on international reviews, so it should be treated as directional evidence rather than a representative Hungarian sample.

Our short verdict

Teya can be a strong choice if you want fast, bank-independent payment acceptance, next-day settlement, and a platform that combines POS, Tap to Pay, and online payments. It is especially relevant for hospitality, service businesses, smaller retailers, and merchants who value speed of setup and operational simplicity more than fully public line-by-line pricing.

It is less convenient if you want every price published upfront, if you are optimizing a high-volume business down to the last basis point, or if your main need is only online checkout and you would rather benchmark classic gateways first in our Hungarian payment gateway comparison.

How it works for merchants

Teya's core promise is that it pulls payment acceptance and day-to-day merchant operations into one system. On its Hungarian site, the headline value proposition includes next-business-day settlement, real-time transaction monitoring, and 50+ E-POS integrations. Based on the Teya App description, merchants can track turnover, transactions, and settlements, grant team access, and manage multiple stores from the same app.

In practice, that means Teya is trying to be more than a terminal supplier. It wants to provide the operational layer as well: store-level views, reporting, payment-link activation, and Tap to Pay management in the same environment. For many merchants, that kind of operational cohesion matters more than getting the absolute lowest nominal transaction fee.

Which Teya products are available?

1. POS terminal

The POSnavigator Offers API currently lists a dedicated Teya POS offer for physical card acceptance. The description positions it primarily for merchants with monthly card turnover above HUF 1 million, and it supports major payment methods including Visa, Mastercard, American Express, Apple Pay, Google Pay, and Hungarian SZÉP card acceptance.

Teya's public pricing page shows that POS packages are quote-based and that merchants below HUF 1,000,000 monthly card turnover may face an HUF 8,000 subscription fee. At the same time, the POSnavigator offer record mentions a HUF 6,000 minimum fee. That gap suggests there may be differences between public positioning, specific commercial packages, or update timing, so merchants should request a written, dated quote before committing.

2. Teya Tap

Teya Tap is Teya's SoftPOS offer: your phone becomes the payment device and you can accept contactless card payments without extra hardware. According to Teya's help center, Tap to Pay can be activated inside the Teya app and used directly on the phone. The pricing knowledge-base entry says that if you use Tap to Pay only, there is no monthly fee and the transaction charge is 1.85%. If you are already a Teya terminal customer, Tap to Pay follows your terminal pricing.

That makes it a strong option for couriers, service businesses, pop-up merchants, events, and seasonal operations that do not want to carry another device. If this model is your main focus, our SoftPOS guide for Hungary is the best companion read.

3. Online payments and payment links

According to the POSnavigator Offers API, Teya's online payment product uses an Interchange++ logic, so the exact merchant fee is turnover-dependent and quote-based. The Teya VPOS description also highlights webshop and app payments, payment links, recurring payments, and integrations such as Shopify, WooCommerce, PrestaShop, and Magento.

Teya's help center separately notes that the Payment Link feature does not carry an extra fee and can even be activated from the terminal. That matters for merchants who do not run a classic webshop but still want to request payments easily by email, message, or invoice follow-up.

Teya pricing in 2026

1. What is clearly visible

POS terminal package: quote-based on the public pricing page, with an HUF 8,000 subscription fee visible below HUF 1,000,000 monthly card turnover.
Teya Tap: no monthly fee if used on its own, with a 1.85% transaction fee.
Online payments: IC++ based in the POSnavigator API, meaning the real fee is made up of multiple components and depends on an individual offer.
Payment Link: no extra usage fee according to the help center.

2. What is still not fully transparent

Teya's main weakness is that it does not publish one fully unified, channel-by-channel pricing table the way some fixed-fee fintech providers do. The POSnavigator offer text still mentions a HUF 6,000 minimum fee, while the public pricing page shows an HUF 8,000 subscription fee under certain turnover thresholds. That can be confusing for merchants comparing providers side by side.

That is why Teya should not be judged from the marketing page alone. Before signing, merchants should confirm:

whether there is a minimum monthly fee or minimum commission,
which pricing applies to each acceptance channel,
whether Tap, terminal, and online pricing differ,
and which turnover thresholds change the economics.

3. Settlement and payout logic

Teya's pricing FAQ and public site emphasize next-business-day settlement, which is a meaningful advantage for merchants who care about liquidity. However, the help center also explains that if the daily balance does not reach HUF 5,860, payout can be delayed and shown with a different status in the app. That is not necessarily a deal-breaker, but it is an important cash-flow detail.

Why many merchants like Teya

Bank-independent positioning. Merchants can get physical terminals, Tap, and online payments without necessarily changing their main bank relationship.
Next-day settlement. This is one of the strongest liquidity messages in Teya's commercial pitch.
Multi-channel offer. POS terminal, Teya Tap, online payments, and payment links sit inside one ecosystem.
50+ E-POS integrations. That can be a major advantage in hospitality and retail where merchants already depend on established operational systems.
Fast setup. Teya's FAQ says terminal setup takes around five minutes, which supports a low-friction onboarding story.
Tap to Pay without a monthly fee. For lower-volume or mobile merchants, that is a strong entry point.

Where the trade-offs are

Pricing transparency is imperfect. The public pricing page, help-center articles, and POSnavigator offer record do not present the exact same picture in every detail.
Not every fee is public. Exact terminal and online card-acceptance pricing is still largely quote-driven.
Next-day settlement is not unconditional. The help center makes it clear that some payouts can be delayed due to minimum balance or review conditions.
External merchant feedback is mixed. Many positive reviews praise onboarding speed and human support, while several negative ones focus on withheld payouts and slow resolution.
It is not an automatic winner for pure e-commerce. If your main need is webshop checkout, you should compare Teya with providers such as Barion and other established gateway specialists.

What do merchant reviews suggest?

It is important to stress that most public external reviews are not from Hungarian merchants. Even so, a few patterns are visible. On Trustpilot in late March 2026, Teya had a rating around 4.3/5 with 1,000+ reviews, and many positive comments highlighted fast onboarding, responsive account contacts, and next-day payouts.

At the same time, several one-star reviews complained about held payouts, compliance-related uncertainty, and the operational stress caused when a small business cannot access its incoming money. App Store feedback on the Teya app also shows some complaints of that kind, along with occasional stability issues. In other words, Teya's strength is not that it generates no complaints. Its strength is that many merchants still like the speed and usability enough to rate it well overall.

Teya vs. alternatives

Teya vs. SumUp

SumUp's strength is very simple public pricing and a low-friction entry model. Teya's advantage is a more integrated merchant toolset, next-day settlement positioning, and a stronger hospitality and E-POS integration story.

Teya vs. myPOS

myPOS stands out with instant balance availability and a buy-the-terminal model, while Teya leans more into operational usability, local support feel, and a stronger merchant software environment. If instant access to funds is your main priority, myPOS is often stronger. If you want a bank-independent setup that still feels closer to a traditional business workflow, Teya may be easier to live with.

Teya vs. bank POS

Bank POS solutions are often strongest when you have high turnover, strong negotiating power, and want to stay inside a bank-led ecosystem. Teya becomes more attractive when you care more about speed, operational simplicity, and independence from a traditional bank package. For broader decision criteria, read our complete payment-provider selection guide.

Who should choose Teya?

Yes, if: you run a hospitality or retail business, want a bank-independent setup, may need both terminal and Tap acceptance, value fast onboarding and next-day settlement, and can live with partly quote-based pricing.

Also a good fit if: you manage multiple stores, run mobile teams, or want payment links and online payments from the same provider.

Who may be better off elsewhere?

Look further if: your top priority is fully public pricing, you only want an online payment gateway, or you are optimizing a higher-volume business for the lowest possible transaction economics. In those cases, our broader POS provider comparison is a better starting point.

What should you check before signing?

Ask for a written offer. Do not rely on the website alone when public and offer-level information may differ.
Check the minimum fee logic. This matters especially if you expect monthly card turnover below HUF 1 million.
Ask about payout rules. Clarify what happens if the daily balance is low or if a compliance review is triggered.
Validate the integrations you actually need. If you already have a POS system or webshop stack, confirm compatibility before committing.
Calculate the full monthly cost. The headline percentage is not enough; minimum fees, subscription logic, and channel-specific pricing all matter.

FAQ

Is there a public Teya pricing table in 2026?

Partly yes, but not fully. Teya's public pricing page shows some visible elements, such as the HUF 8,000 subscription fee below HUF 1 million monthly card turnover, and the Tap to Pay help-center article gives the 1.85% fee for Tap-only usage. However, full terminal and online merchant pricing remains largely quote-based.

How fast does Teya pay out?

Teya's official communication says settlement reaches the merchant's bank account on the next business day. In some cases, however, the help center notes that payout may be delayed, for example if the daily balance does not reach HUF 5,860.

How much does Teya Tap cost?

If you use Tap to Pay on its own, there is no monthly fee and the transaction fee is 1.85%. If you are already a Teya terminal customer, Tap follows your existing terminal pricing.

Can Teya work for webshops too?

Yes. Teya offers online payments, payment links, and multiple webshop integrations. That said, pure e-commerce merchants should still compare it with gateway specialists as well.

Can sole traders use Teya?

Yes, especially through Tap to Pay or lower-friction starting setups. For terminal packages, however, sole traders should pay close attention to minimum fee or subscription economics at lower turnover levels.

Summary

Teya is one of the more interesting bank-independent merchant-payment offers in Hungary in 2026. Its strongest points are the next-day settlement promise, the merchant app and operational tooling, and the fact that POS terminals, Tap, online payments, and payment links all sit under one roof. Its biggest weakness is that pricing is not fully transparent at first glance.

If you are considering Teya, the right move is neither automatic rejection nor automatic acceptance. Ask for a precise offer, verify minimum-fee and payout rules, and compare the result against your own turnover and business model. That is exactly what the POSnavigator comparison and cost calculator is built to help with.