Dojo vs Stripe Card Machines 2026 UK | Fees, Costs & Comparison Quick answer
Dojo is the better option for in-person and high-volume UK businesses, offering lower transaction fees, faster payouts, and dedicated support.
Stripe is better for online-first or hybrid businesses, offering flexible payment infrastructure and strong ecommerce tools.
👉 Dojo = best for physical businesses
👉 Stripe = best for online or hybrid businesses
For further information and pricing on card machines click here .
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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
Dojo vs Stripe Card Machines: Fees Comparison
Dojo vs Stripe Card Machines: Features Comparison
Best Choice by Business Type
Hardware Comparison
Payout Speed & Cash Flow
Pricing Model Explained
Card Machine Fees Calculator UK Estimate your monthly and annual card processing costs in seconds. Adjust the fields below to see how much your current setup could be costing you.
Pricing model Flat rate Custom / Merchant account
Your Estimated Costs
Estimated monthly fees
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Estimated annual fees
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Estimated monthly transactions
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Potential monthly saving
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You could save money by switching to a lower-fee provider.
This calculator is an estimate only. Actual card machine costs vary by provider, pricing structure, card mix, sector and contract terms.
Key Takeaways
Dojo is a merchant account with card machines
Stripe offers limited POS hardware but strong online tools
Dojo is cheaper for in-person payments at scale
Stripe is better for ecommerce and subscriptions
Dojo offers next-day payouts (including weekends)
Stripe is more flexible but more technical
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Dojo vs Stripe Card Machines: Fees Comparison
Feature Dojo Stripe
In-person payments
~0.3%-1.5%
~1.4%-2.5%
Online payments
Custom
1.5% + 20p
Monthly fees
£0-£20
£0
Setup fee
£0
£0
Contracts
Often
No
Our winner: Dojo in person, and Stripe for online
Dojo vs Stripe Card Machines: Features Comparison
Feature Dojo Stripe
Card machines
Yes
Limited
POS system
Moderate
Limited
Ecommerce
Limited
Excellent
Subscriptions
No
Yes
Reporting
Good
Advanced
Integrations
Growing
Extensive (API-led)
👉 Our winner: Stripe (overall flexibility)
What Is Dojo? Dojo is a UK merchant account provider offering:
Card machines for in-store payments
Interchange++ pricing (lower fees)
Fast payouts (including weekends)
Dedicated UK support
👉 This was built for retail, hospitality, and high-volume businesses
What Is Stripe (for Card Payments)? Stripe offers card payment solutions via Stripe Terminal, including:
Card readers for in-person payments
Online checkout and payment links
Subscription billing
👉 However, Stripe is primarily designed for online payments
Best Choice by Business Type
Business Type Best Option
Retail shop
Dojo
Restaurant / hospitality
Dojo
High turnover business
Dojo
Online business
Stripe
SaaS / subscriptions
Stripe
Hybrid business
Stripe
👉 Depends on your payment mix
Hardware Comparison
Feature Dojo Stripe
Card machines
Full range
Limited (Stripe Terminal)
Setup
Professional install
Self-setup
Reliability
High
Good
Best use
In-store payments
Hybrid setups
👉 Our winner: Dojo (better hardware offering)
Payout Speed & Cash Flow
Feature Dojo Stripe
Standard payouts
Next day (including weekends)
2-3 days
Bank deposits
Direct
Direct
👉 Our winner: Dojo (fastest payouts)
Pricing Model Explained Dojo (Merchant Account)
Interchange++ pricing
Lower fees at scale
Negotiable rates
Stripe (Processor)
Fixed/blended pricing
Simple but less flexible
Higher cost at scale
👉 Rule of thumb:
Physical business → Dojo
Online/hybrid → Stripe
When Should You Choose Dojo? Choose Dojo if you:
Run a retail or hospitality business
Process high in-person volumes
Want lower transaction fees
Need fast payouts
When Should You Choose Stripe? Choose Stripe if you:
Run an online or SaaS business
Need subscriptions or recurring billing
Want custom payment integrations
Sell across multiple channels
How Much Can You Save? Switching from Stripe to a merchant account like Dojo can reduce:
10–40% on in-person transaction fees
Significant savings for high-volume businesses
Pros & Cons Dojo Pros
Lower fees at scale
Fast payouts
Strong support
Best for physical businesses
Dojo Cons
Limited ecommerce tools
Contracts required
Less flexible
Stripe Pros
Excellent for online payments
Subscription billing
Flexible and scalable
Strong integrations
Stripe Cons
Limited card machine offering
More complex setup
Slower payouts
Our Verdict Dojo is the best choice for most UK businesses using card machines, offering lower fees and faster payouts, and Stripe is the better choice for online-first or hybrid businesses, offering flexibility and powerful tools.
👉 Dojo = best for in-store payments
👉 Stripe = best for online and hybrid businesses
FAQs Does Stripe offer card machines?
Yes, via Stripe Terminal, but options are limited compared to providers like Dojo.
Is Dojo cheaper than Stripe?
Yes, for in-person payments, Dojo is usually cheaper, especially at scale.
Which is better for small businesses?
Dojo is better for physical businesses, while Stripe suits online businesses.
Can I use both?
Yes, many businesses use Dojo in-store and Stripe online.
Which pays out faster?
Dojo offers faster payouts, including weekends.
Is Stripe a merchant account?
No, Stripe is a payment processor.
What’s the main difference?
Dojo = card machine + merchant account
Stripe = online payment platform
👉 Compare Dojo, Stripe and other providers to save up to 40% today
👉 Not sure which card machine is right for your business? Compare quotes in 30 seconds and save up to 40%
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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.
