Dojo Card Machine Fees 2026: Costs, Rates & Is It Worth It? Quick answer
Dojo card machine fees in the UK depend on your business turnover, card payment volume, contract type and whether you need a fixed monthly plan or a custom rate.
For smaller businesses, Dojo currently advertises a flat monthly pricing option that includes a set amount of card transactions, with an additional percentage fee once you go over that monthly allowance.
For larger businesse s, Dojo usually offers custom pricing based on your annual card turnover, business type and payment setup.
Dojo can be a strong option for UK businesses that want fast payouts, modern card machines and a more tailored payment package, but it is still worth comparing quotes before signing up.
Compare card machine quotes today and see if Dojo is the best deal for your business.
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Authored by: Ally Cox (Business Technology & B2B Services Specialist 10+ Years’ Experience)
Reviewed by: James Ward (Telecoms Specialist, 12+ Years Experience)
Last Updated: July 2026
Contents
What are Dojo card machine fees?
How much does a Dojo card machine cost?
Dojo transaction fees explained
Dojo flat-rate pricing
Dojo custom pricing
What is the real cost of Dojo?
Dojo card machine fees for small businesses
Dojo card machine fees for restaurants and hospitality
Card Machine Fees Calculator UK Estimate your monthly card machine fees based on card turnover, transaction value, transaction fees, authorisation fees, terminal rental and monthly account charges.
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Enter your monthly card turnover to estimate your fees.
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This calculator is an estimate only. Actual card machine costs vary by provider, turnover, card mix, contract length, terminal type, authorisation fees, PCI fees, minimum monthly service charges and other supplier terms.
Key Takeaways
Dojo card machine fees vary depending on your turnover and payment volume.
Smaller businesses may be offered a flat monthly plan with transactions included up to a set limit.
Larger businesses usually receive custom pricing.
Dojo is often popular with hospitality, retail, salons, cafes, restaurants and service-based businesses.
Card machine fees are not just about transaction rates; you should also check monthly costs, hardware costs, contract terms, refund fees, chargeback fees and settlement times.
Dojo is known for fast payouts, which can be useful for businesses that rely on cash flow.
Dojo may not always be the cheapest option for very low-volume businesses.
Comparing Dojo against providers like Square, SumUp, Zettle, Worldpay, Tyl and Barclaycard can help you avoid overpaying.
What are Dojo card machine fees? Dojo card machine fees are the costs your business pays to accept card payments through a Dojo terminal, and the costs usually include:
Monthly plan fees
Transaction fees
Card machine or hardware costs
Refund fees
Chargeback fees
PCI or compliance-related charges
Online payment fees, if you use Dojo for ecommerce or payment links
Contract or cancellation costs, depending on your agreement
The exact fees can vary depending on your business, so it is important to look at the full cost rather than just the headline transaction rate – remember that a low transaction rate can look attractive, but if there are monthly fees, hardware charges or contract commitments, the total monthly cost could easily be higher than expected.
How much does a Dojo card machine cost? Dojo pricing depends on your business size and card turnover.
Businesses with lower annual card turnover may be offered a flat monthly pricing option, which can be useful if you want predictable monthly costs and do not want to calculate every transaction fee separately.
Businesses with higher card turnover are usually going to need a custom quote, the reason being because a restaurant taking thousands of card payments per month will need a very different pricing structure to a small mobile business taking occasional payments.
The main point is that Dojo is not always a simple “one fixed rate for everyone” provider.
Your quote will depend on:
Your annual card turnover
Average transaction value
Number of card machines needed
Whether you take payments in person, online or over the phone
Business type
Risk profile
Contract length
Whether you want a rolling plan or longer price-locked deal
Whether you need integrations with EPOS or other systems
This is why comparing Dojo quotes against other providers is the safest way to know if it is good value.
Dojo transaction fees explained Transaction fees are the charges you pay when a customer pays by card.
With card machine providers, transaction fees can be shown in different ways. Some providers charge one simple flat percentage. Others charge a percentage plus a small fixed fee per transaction. Some offer custom pricing based on turnover.
Dojo’s fees can depend on the plan and type of payment.
You will probably see fees for:
Face-to-face card payments
Contactless payments
Chip and PIN payments
American Express payments
Business or commercial cards
International cards
Card-not-present payments
Online payments
Payment links
Refunds
Chargebacks
This is why it is worth asking for a proper fee breakdown before signing up – remember, a rate that looks low for standard UK debit cards may not be the same rate you pay for every transaction.
Dojo flat-rate pricing Dojo’s flat-rate pricing can appeal to businesses that want something simple.
Instead of paying a separate transaction fee on every card payment from the first pound, the plan may include card transactions up to a certain monthly limit, then charge an additional fee once you go above that limit, which can make costs easier to understand, especially for businesses with fairly predictable monthly card turnover.
This will suit:
Small retailers
Cafes
Hairdressers
Beauty salons
Mobile businesses
Small food businesses
Local service businesses
New businesses with steady but not huge card turnover
However, it is still important to check whether the monthly plan gives you good value based on how much you actually take in card payments.
If your turnover is very low, a pay-as-you-go provider may be cheaper. If your turnover is higher, custom pricing could be better.
Dojo custom pricing For businesses with higher card turnover, Dojo usually offers custom pricing, which means your fees are based on your business rather than a single public rate.
Custom pricing can be useful if your business takes a lot of card payments because even a small difference in transaction fees can make a big difference over the year.
For example, a business taking £50,000 per month in card payments would care much more about a small percentage difference than a business taking £1,000 per month.
Custom pricing will be more suitable for:
Restaurants
Bars and pubs
Hotels
Retail shops
Multi-site businesses
Busy cafes
Supermarkets and convenience stores
Larger salons and clinics
Businesses with high monthly card turnover
What is the real cost of Dojo? The real cost of Dojo is not just the advertised transaction rate or monthly fee, so to work out the real cost, you need to look at:
Monthly plan cost
Transaction fees
Number of transactions
Average transaction size
Refund fees
Chargeback fees
Hardware costs
Any online or payment link fees
Contract length
Cancellation terms
Add-ons or integrations
Settlement speed
Support quality
For example, a provider with a slightly higher fee but faster payouts may be better for some businesses than a cheaper provider with slower settlement.
Likewise, a provider with a low transaction rate but extra monthly costs may not be the cheapest overall.
The best way to compare card machine providers is to look at your expected monthly card turnover and calculate the total cost.
Dojo card machine fees for small businesses Dojo can work well for some small businesses, especially those that take regular card payments and want a proper business card machine rather than a very basic card reader, so will suit small businesses such as:
Cafes
Florists
Hairdressers
Beauty salons
Barbers
Food trucks
Market traders
Small shops
Clinics
Tradespeople
Mobile service providers
However, if your business only takes a few card payments per week, Dojo may not always be the cheapest choice.
Very low-volume businesses often prefer providers with no monthly fee, even if the transaction rate is slightly higher.
For small businesses, the key question is:
Do you take enough card payments each month to justify the monthly cost?
If yes, Dojo may be worth comparing. If no, a pay-as-you-go reader may be more suitable.
Dojo card machine fees for restaurants and hospitality Dojo is often popular with hospitality businesses because of its fast payouts, smart terminals and ability to handle busy trading environments.
Restaurants, cafes, pubs and bars usually need more than a basic card reader as they need something that can cope with regular payments, split bills, tips, fast service and reliable connectivity.
Dojo could therefore be a good fit for hospitality businesses that want:
Fast card payments
Next-day payouts
Portable terminals
Reliable connectivity
EPOS compatibility
Support for tips
A more professional payment setup
Custom pricing for higher turnover
However, hospitality businesses should still compare quotes carefully.
Dojo card machine fees for retail businesses Retail businesses often need card machines that are quick, reliable and easy for staff to use.
Dojo will be suitable for shops that take regular face-to-face payments and want a card machine that looks more professional than a basic mobile reader so will work well for:
Independent shops
Convenience stores
Boutiques
Gift shops
Furniture shops
Clothing stores
Garden centres
Multi-site retailers
Retailers should check transaction fees carefully, especially if they take lots of low-value transactions.
A percentage fee plus a fixed pence charge can affect businesses differently depending on average basket size.
For example, a 5p per transaction charge matters more on a £3 coffee than it does on a £100 retail purchase.
Dojo fees vs Square Square is known for simple, transparent pricing and no monthly fee on many of its basic card reader options which can make Square attractive for smaller businesses, start-ups and occasional sellers.
Dojo is going to be more suitable for businesses that take regular card payments and want faster payouts, custom pricing or a more complete payment setup.
A simple way to think about it:
Provider will suit
Dojo
Businesses with regular card turnover wanting fast payouts and a more tailored setup
Square
Smaller businesses wanting simple pricing and no monthly commitment
Square may be cheaper for very low-volume businesses, but Dojo becomes more competitive as card turnover increases, especially if your business qualifies for custom pricing.
Dojo fees vs SumUp SumUp is often popular with small businesses because it offers low-cost card readers and simple pay-as-you-go pricing.
Dojo is usually positioned more as a fuller card payment solution for businesses taking regular card payments.
A simple comparison:
Provider will suit
Dojo
Businesses wanting fast payouts, smart terminals and custom pricing
SumUp
Start-ups, mobile businesses and low-volume sellers wanting simple costs
Dojo fees vs Worldpay Worldpay is one of the UK’s largest payment providers and is often used by established businesses whereas Dojo is often seen as a more modern alternative, especially for businesses that want fast onboarding, smart terminals and quick payouts.
A simple comparison:
Provider Could suit
Dojo
SMEs wanting fast payouts, modern hardware and tailored pricing
Worldpay
Established businesses wanting a large traditional payment provider
Both can be competitive depending on your card turnover and contract terms, so the most important thing is to compare the total monthly cost, not just the headline transaction rate.
Dojo fees vs Paypal Zettle by PayPal is often used by small businesses that want a simple card reader with no complex setup.
Dojo will be better for businesses that take more regular payments and want a stronger card machine package.
A simple comparison:
Provider
Will suit
Dojo
Businesses with steady card turnover and a need for fast payouts
Zettle
Small sellers, pop-ups and businesses wanting a simple reader
Zettle can be very convenient for low-volume users, but Dojo can offer better long-term value for businesses processing more card payments each month.
Are Dojo card machine fees cheap? Dojo can be cheap for the right type of business, but it will not be the cheapest option for everyone.
It will be good value if:
You take regular card payments
You want fast payouts
You need reliable hardware
You qualify for custom pricing
You value support and service
You need a professional card machine setup
It will be less suitable if:
You only take occasional card payments
You want no monthly fees at all
You are just starting out
You have very low monthly card turnover
You want the simplest possible pay-as-you-go reader
The easiest way to decide is to compare Dojo against at least two or three other providers.
What hidden Dojo fees should you check? Before signing up with Dojo, ask about:
Monthly plan fees
Transaction rates
Minimum monthly charges
Hardware costs
Refund fees
Chargeback fees
PCI or compliance costs
Online payment fees
Payment link fees
International card fees
American Express fees
Contract length
Cancellation fees
Settlement times
Add-on costs
This does not mean Dojo is hiding fees. It simply means card payment pricing can be complicated, and it is better to ask clear questions before agreeing to anything.
Dojo payout times One of Dojo’s biggest selling points is fast payouts.
Fast settlement can be very useful for businesses that rely on regular cash flow, such as cafes, restaurants, shops and salons, so if your business takes card payments every day, waiting several days for funds can be frustrating.
When comparing providers, ask:
When will I receive my money?
Are weekend payouts included?
Are faster payouts included or extra?
Is there a minimum settlement amount?
Can payouts be delayed for any reason?
Payout speed should be part of your cost comparison, especially if cash flow is important to your business.
Is Dojo worth it? Dojo is going to be worth it for businesses that take regular card payments and want a modern card machine with fast payouts, and it is likely to appeal most to businesses that want more than a basic card reader, but do not want to be stuck with slow settlement or outdated terminals.
Dojo is a good choice for:
Cafes
Restaurants
Pubs
Retail shops
Salons
Clinics
Service businesses
Businesses with steady monthly card turnover
Businesses that care about fast payouts
However, if your card payment volume is very low, you may find a no-monthly-fee provider cheaper, which is why we recommend comparing card machine quotes before choosing.
How to compare Dojo card machine fees When comparing Dojo fees, do not just ask “what is the transaction rate?”
Ask:
What is the monthly cost?
What is the transaction fee?
Is there a fixed pence charge per transaction?
Are refunds charged?
Are chargebacks charged?
Is the card machine included?
Is there a contract?
Can I leave early?
How fast are payouts?
Are online payments included?
Are payment links included?
Are Amex and international cards charged differently?
What support is included?
What is the total monthly cost based on my card turnover?
This will give you a much clearer idea of whether Dojo is actually cheaper than the alternatives.
Compare Dojo card machine fees today Dojo can be a strong card machine provider for UK businesses that want fast payouts, reliable terminals and pricing that fits their payment volume.
However, it is not automatically the cheapest provider for every business.
The best way to check is to compare Dojo against other UK card machine providers based on your turnover, average transaction value and business type.
Compare card machine quotes today and see how much your business could save.
FAQs about Dojo card machine fees How much are Dojo card machine fees?
Dojo card machine fees depend on your business turnover, card payment volume, pricing plan and payment type. Smaller businesses may be offered flat-rate pricing, while larger businesses usually receive custom rates.
Does Dojo charge a monthly fee?
Dojo may charge a monthly fee depending on the pricing plan you choose. It is important to check your quote carefully so you understand the monthly cost and what is included.
What is Dojo’s transaction fee?
Dojo transaction fees can vary depending on your plan, turnover and payment type. Some businesses may pay a flat monthly amount with included transactions, while others may receive custom transaction pricing.
Is Dojo cheaper than Square?
Dojo may be cheaper than Square for businesses with higher or regular card turnover, especially where custom pricing is available. Square may be cheaper for very small or occasional sellers because of its simple no-monthly-fee setup.
Is Dojo cheaper than SumUp?
Dojo may be better value for businesses taking regular card payments, while SumUp may be cheaper for very low-volume sellers or start-ups wanting a simple pay-as-you-go reader.
Is Dojo cheaper than Worldpay?
It depends on your business turnover, transaction volume and contract terms. Both Dojo and Worldpay can be competitive, so it is worth comparing quotes.
Does Dojo charge refund fees?
Refund fees may apply depending on your Dojo agreement. Always check whether refunds are free or charged before signing up.
Does Dojo charge chargeback fees?
Chargeback fees may apply with card machine providers, including Dojo. It is worth checking the current chargeback cost in your quote.
Does Dojo charge for American Express?
American Express transactions may be priced differently from standard UK debit or credit cards. Ask Dojo or your broker for a full breakdown.
Is Dojo good for small businesses?
Dojo can be good for small businesses that take regular card payments and want fast payouts. It may be less suitable for businesses with very low payment volume.
Is Dojo good for restaurants?
Yes, Dojo can suit restaurants, cafes, pubs and bars because it offers modern card machines and fast payouts, which can be useful for hospitality cash flow.
Is Dojo good for retail shops?
Dojo can work well for retail shops that take regular in-person payments and want reliable card machines with fast settlement.
Are Dojo card machine fees negotiable?
Larger businesses or businesses with higher card turnover may be able to access custom pricing, so it is always worth comparing quotes and asking what rate is available.
What is the cheapest alternative to Dojo?
The cheapest alternative depends on your turnover and payment volume. Square, SumUp, Zettle, Worldpay, Tyl and Barclaycard may all be worth comparing.
Should I choose Dojo?
Dojo may be a good choice if you take regular card payments, want fast payouts and need a reliable card machine. However, comparing quotes is the best way to see if it is the cheapest option for your business.
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Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
