HSBC vs Dojo 2026 UK | Fees, Costs & Which Is Best? Quick answer
HSBC and Dojo can both help UK businesses accept card payments, but they suit different types of businesses.
HSBC card payment services are provided through Global Payments, HSBC’s preferred supplier for UK card processing, which will suit businesses that already bank with HSBC and want a more traditional, bank-linked merchant services route.
Dojo is a modern card machine provider that is often better suited to SMEs, restaurants, cafés, pubs, bars, salons, retail shops and customer-facing businesses that want fast card machines, flexible hardware options and a more payment-focused provider.
Best for Choose
Existing HSBC business banking customers
Restaurants, cafés, pubs and bars
Dojo
SMEs wanting modern card machines
Dojo
Businesses wanting bank-linked merchant services
Higher-turnover businesses wanting tailored pricing
Either
Businesses wanting very simple no-monthly-fee readers
Compare Square, SumUp or PayPal POS too
For most SMEs, the better choice depends on monthly card turnover, terminal rental, transaction fees, settlement speed, contract length, PCI fees, chargebacks, EPOS needs and whether you already bank with HSBC.
Compare HSBC vs Dojo card machine quotes →
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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: June 2026
Contents
HSBC vs DOJO Fees Comparison UK 2026
HSBC vs Dojo: Features Comparison UK 2026
Best Choice by Business Type
Pricing Model Explained
Payout Speed & Cash Flow
Pros & Cons
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
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This calculator is an estimate only. Actual card machine costs vary by provider, pricing structure, card mix, sector and contract terms.
HSBC vs Dojo at a glance
Feature HSBC / Global Payments Dojo
Provider type
Bank-linked route via Global Payments
Direct card machine provider
Best for
Existing HSBC customers and established SMEs
Hospitality, retail and growing SMEs
Card machines
Available through Global Payments
Wi-Fi and 4G-enabled card machines
Pricing
Quote-led merchant services pricing
Quote-led / plan-based depending on agreement
Hardware
Depends on Global Payments agreement
Buy upfront or spread cost monthly
Transaction fees
Quote-led
Vary by agreement and card type
Settlement
Depends on agreement
Check current plan and settlement terms
EPOS fit
Depends on Global Payments setup
Strong fit for hospitality and retail use cases
Best alternatives
Worldpay, Barclaycard, Elavon
Square, SumUp, Clover, Worldpay
Main watch-out
HSBC may receive commission through supplier arrangement
Check terminal cost, transaction plan and contract terms
Key Takeaways
HSBC does not directly operate a standalone card machine service in the same way as Dojo, Square or SumUp.
HSBC says Global Payments is its preferred supplier for card processing in the UK.
HSBC says it may receive commission on merchant service charges if customers sign up for Global Payments through HSBC.
Dojo is a direct card machine and payment provider with Wi-Fi and 4G-enabled terminals.
Dojo card machines support Apple Pay and Google Pay as standard.
Dojo says transaction fees vary depending on agreement and card type, with rates provided upfront.
Dojo says customers can either buy a card machine upfront or spread costs through monthly fees.
HSBC / Global Payments may suit established SMEs wanting a bank-linked route.
Dojo will suit hospitality and retail businesses wanting modern terminals and strong day-to-day payment tools.
Neither is automatically cheapest, so businesses should compare both against Worldpay, Barclaycard, Square, SumUp, Clover and Takepayments.
👉 Compare Free Card Machines Now
HSBC vs Dojo: Fees Comparison UK 2026 HSBC / Global Payments and Dojo are both usually quote-led rather than simple flat-rate providers. This means the cheapest option depends on your monthly turnover, transaction mix, card types, terminal requirements and contract terms.
Fee type HSBC / Global Payments Dojo
Transaction fees
Quote-led merchant services pricing
Based on agreement and card type
Terminal cost
Depends on Global Payments quote
Buy upfront or spread monthly
Monthly fee
Depends on agreement
Depends on terminal and plan
Setup / joining fee
Check agreement
Check agreement
PCI fees
Check agreement
Check agreement
Chargeback fees
Check agreement
Dojo fee schedule refers to chargeback-related fees
Refund fees
Check agreement
Check agreement
Remote payments
Depends on solution
Based on agreed plan
Settlement
Depends on agreement
Check plan terms
Contract length
Check agreement
Check agreement before signing
Dojo’s fee schedule says minimum monthly payments and remote payment transaction fees are based on the agreed plan, and that surcharges can apply for cards issued outside the UK.
Typical UK card machine cost context
Business type Typical setup
Sole trader
Simple mobile reader
Flat fees vs no monthly fee
Café or salon
Portable terminal
Transaction fees, settlement and terminal cost
Restaurant or pub
Multiple portable terminals
EPOS links, tipping, reliability and support
Retail shop
Countertop or POS-integrated setup
Terminal rental, reporting and refunds
Higher-turnover SME
Merchant services pricing
Negotiated rates and total monthly cost
Online + in-person business
Card machine plus payment links/gateway
Remote payment fees and settlement
HSBC vs Dojo costs by monthly card turnover
Monthly card turnover What matters most Likely best route
Under £1,000
No monthly fee, low commitment
Compare Square, SumUp or PayPal POS first
£1,000-£5,000
Simple setup and low fixed costs
Compare Dojo against low-cost readers
£5,000-£15,000
Balance of terminal cost and transaction fees
Compare HSBC / Global Payments and Dojo
£15,000-£50,000
Negotiated fees and settlement
HSBC / Global Payments, Dojo, Worldpay or Barclaycard
£50,000+
Bespoke merchant services
Compare several tailored quotes
why fee structure matters
Monthly card sales 1.75% fee 1.50% fee 1.25% fee
£5,000
£87.50
£75.00
£62.50
£10,000
£175.00
£150.00
£125.00
£25,000
£437.50
£375.00
£312.50
£50,000
£875.00
£750.00
£625.00
HSBC vs Dojo : Features Comparison UK 2026
HSBC card machines explained
In the UK, HSBC refers businesses to Global Payments, its preferred supplier for card processing. HSBC says Global Payments provides card, digital and online payment services, and HSBC can receive commission if customers sign up through this arrangement.
HSBC / Global Payments will suit you if…
Watch out if…
You already bank with HSBC
You want fully transparent online pricing
You want a bank-linked route
You want a simple no-contract card reader
You have regular card turnover
You only take occasional card payments
You want in-person and online payment options
You want to avoid quote-led pricing
You prefer established merchant services
You are sensitive to long contracts or exit fees
Dojo card machines explained
Dojo is a card machine provider designed for businesses that take regular in-person payments and their costs vary depending on whether you buy the device outright or pay monthly, and that transaction charges are provided upfront based on how the business accepts payments.
Watch out if…
You run a restaurant, café, pub, salon or shop
You want a traditional bank-linked route
You want modern portable card machines
You only take very occasional payments
You want Wi-Fi and 4G terminal connectivity
You need to check all fees before signing
You want Apple Pay and Google Pay support
You want completely fixed public pricing
You need a payment-focused provider
You already prefer HSBC/Global Payments
HSBC vs Dojo: best for/not ideal for
Provider Best for Not ideal for
HSBC / Global Payments
Existing HSBC customers, established SMEs, bank-linked merchant services
Very small sellers wanting instant setup and flat fees
Dojo
Restaurants, cafés, pubs, bars, salons, shops and growing SMEs
Businesses wanting bank-linked merchant services
Square
Sole traders and small shops wanting transparent fees
Higher-turnover businesses wanting negotiated rates
SumUp
Low-volume sellers and mobile businesses
Businesses needing advanced merchant services
Worldpay
Established SMEs wanting direct merchant services
Businesses wanting very simple low-cost readers
Barclaycard
Bank-backed alternative to HSBC
Buyers wanting lightweight app-only payments
Best Choice by Business Type HSBC vs Dojo for restaurants, cafés and hospitality
Dojo is likely to have stronger appeal for hospitality businesses because it is designed around modern card machines, portable payments and customer-facing environments.
Hospitality need HSBC / Global Payments Dojo
Portable card machines
Available depending on setup
Strong fit
Table payments
Depends on terminal setup
Strong fit
Wi-Fi and 4G connectivity
Depends on terminal
Highlighted by Dojo
Apple Pay and Google Pay
Available through modern terminals
Standard on Dojo machines
EPOS integration
Check Global Payments options
Strong comparison point
Fast queues and service
Depends on setup
Strong day-to-day fit
Bank-linked payments
Stronger
Weaker
SME payment provider feel
More traditional
Stronger
HSBC vs Dojo for retail
Retail need HSBC / Global Payments Dojo
Countertop payments
Available
Available
Portable payments
Available depending on terminal
Strong fit
Refunds and reporting
Check agreement
POS integration
Check Global Payments setup
Strong for SME comparison
Settlement
Depends on agreement
Multiple terminals
Available
Available
Existing bank relationship
Stronger if using HSBC
Not bank-linked
HSBC vs Dojo for small businesses
Better fit Why
Sole trader
Usually neither first
Square or SumUp may be simpler
Market trader
Usually Square/SumUp first
Lower commitment and simpler setup
Café
Dojo
Strong fit for portable payments and daily card use
Restaurant
Dojo
Better fit for customer-facing payment flow
Salon or clinic
Dojo or Square
Depends on turnover and setup
Retail shop
Dojo or HSBC / Global Payments
Depends on banking relationship and turnover
Existing HSBC customer
HSBC / Global Payments
Convenient bank-linked route
Higher-turnover SME
Either
Compare tailored fees and settlement
HSBC vs Dojo decision table
Your priority
Better option to compare first
Existing HSBC business account
Bank-linked merchant services
Restaurant or café payments
Dojo
Pub, bar or hospitality
Dojo
Retail card machines
Dojo or HSBC / Global Payments
Simple transparent reader
Higher monthly turnover
Both
Modern portable terminal
Dojo
Traditional merchant services
Best total value
Pros & Cons
Provider Pros Cons
HSBC / Global Payments
Bank-linked route, suitable for existing HSBC customers, established merchant services, in-person and online payments
Quote-led pricing, Global Payments rather than HSBC directly, commission arrangement, may be less modern for SMEs
Dojo
Modern card machines, strong hospitality and retail fit, Wi-Fi/4G terminals, Apple Pay and Google Pay, hardware payment flexibility
Quote-led fees, contract details need checking, may not suit occasional sellers or businesses wanting bank-linked payments
HSBC and Dojo alternatives
Alternative Best for Why compare it?
Worldpay
Established SMEs wanting direct merchant services
Strong alternative to HSBC / Global Payments
Barclaycard
Businesses wanting another bank-backed route
Useful comparison for HSBC customers
Square
Small businesses wanting simple flat fees
Transparent pricing and no basic monthly fee
SumUp
Mobile sellers and low-volume businesses
Simple card readers and low commitment
Clover
Retail and hospitality POS
Stronger POS and till features
Takepayments
SMEs wanting guided setup
Quote-led terminal support
PayPal POS, formerly Zettle
Small retailers and PayPal users
Simple card reader and POS-style tools
Elavon
Established and multi-channel businesses
Merchant services alternative
We can help you compare:
HSBC card machine quotes
Global Payments merchant services
Dojo card machines
transaction fees
terminal rental or purchase costs
settlement speed
PCI fees
contract length
chargeback fees
online and remote payment options
alternatives such as Worldpay, Square, SumUp and Barclaycard
Compare HSBC vs Dojo quotes →
Why trust our card machine comparisons? Our card machine guides are written to help UK businesses make practical buying decisions, not just compare headline transaction fees, so we focus on:
realistic UK 2026 payment provider costs
transaction fees, terminal rental and hidden charges
merchant services vs pay-as-you-go readers
contract length, PCI fees and settlement speed
business types such as cafés, restaurants, salons, shops and trades
provider comparison based on practical fit
quote-led guidance for businesses that want to reduce card processing costs
Our verdict: HSBC or Dojo? HSBC/Global Payments is worth comparing if you already bank with HSBC, want a bank-linked merchant services route and prefer a more traditional payment processing setup.
Dojo is worth comparing if you run a restaurant, café, bar, salon, retail shop or growing SME and want modern card machines built for regular in-person payments.
For many customer-facing SMEs, Dojo should be the more natural first comparison. For existing HSBC business banking customers, HSBC/Global Payments can still be convenient and competitive depending on the quote.
The best option depends on card turnover, transaction fees, terminal costs, settlement speed, contract length, PCI fees, chargebacks, EPOS needs and whether you want a bank-linked or payment-provider-led setup.
Compare HSBC vs Dojo card machine quotes and save up to 40% →
FAQs: HSBC vs Dojo Is HSBC better than Dojo for card machines?
HSBC may be better if you already bank with HSBC and want a bank-linked route through Global Payments. Dojo may be better if you want a modern card machine provider for restaurants, cafés, shops, salons or hospitality.
Does HSBC provide card machines directly?
In the UK, HSBC refers businesses to Global Payments, its preferred supplier for card processing. HSBC says it may receive commission on merchant service charges if customers sign up through this arrangement.
Is Dojo cheaper than HSBC?
Not always. Dojo and HSBC/Global Payments are both quote-led, so the cheaper option depends on card turnover, terminal costs, transaction fees, card types, contract length and settlement requirements.
How much does Dojo cost?
Dojo says card machine costs vary depending on whether you buy the device outright or pay monthly. Transaction charges vary by agreement and card type, with rates provided upfront.
Does Dojo offer 4G card machines?
Yes. Dojo says its card machines are Wi-Fi and 4G enabled, allowing businesses to switch from Wi-Fi to 4G when needed.
Is Dojo good for restaurants and cafés?
Yes, Dojo can be a strong fit for restaurants, cafés, pubs and bars because it offers modern portable card machines, Wi-Fi/4G connectivity and payment features suited to busy customer-facing businesses.
Is HSBC good for small business card payments?
HSBC/Global Payments can suit small businesses with regular card turnover, especially existing HSBC business banking customers. Very small or occasional sellers may find Square, SumUp or PayPal POS simpler.
Which is better for retail, HSBC or Dojo?
Dojo may be better for retailers wanting a modern payment-provider-led setup. HSBC / Global Payments may suit retailers already banking with HSBC and wanting a bank-linked merchant services route.
What are the best alternatives to HSBC and Dojo?
The best alternatives include Worldpay, Barclaycard, Square, SumUp, Clover, Takepayments, PayPal POS, formerly Zettle, and Elavon.
What should I compare before choosing HSBC or Dojo?
Compare transaction fees, terminal costs, monthly minimums, PCI fees, chargeback fees, refund fees, settlement speed, contract length, online payment fees, EPOS compatibility and total monthly cost.
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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.
