SumUp vs Dojo 2026 UK | Fees, Costs & Best Card Machine Quick answer
SumUp is the better option for small businesses and sole traders, offering simple pricing, no monthly fees, and low upfront costs.
Dojo is the better choice for growing and high-volume businesses, offering lower transaction fees, faster payouts, and better long-term value.
👉 SumUp = best for simplicity and low cost
👉 Dojo = best for scaling and saving money
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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
SumUp vs Dojo: Fees Comparison (UK 2026)
SumUp vs Dojo: Features
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
Estimated monthly fees
£0.00
Estimated annual fees
£0.00
Estimated monthly transactions
0
Potential monthly saving
£0.00
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
SumUp uses flat-rate pricing (~1.69%)
Dojo uses Interchange++ pricing (often cheaper at scale)
SumUp has no monthly fees or contracts
Dojo offers lower fees for higher volumes
Dojo provides next-day payouts (including weekends)
Many businesses start with SumUp and upgrade to Dojo
👉 Compare Free Card Machines Now
SumUp vs Dojo: Fees Comparison UK 2026
Feature SumUp Dojo
In-person payments
1.69%
~0.3%-1.5%
Online payments
~2.5%
Custom
Monthly fees
£0
£0–£20
Setup fee
£0
£0
Contracts
No
Often
👉 Winner: SumUp for small volume and Dojofor high volume
SumUp vs Dojo: Features Comparison UK 2026
Feature SumUp Dojo
POS system
Basic
Moderate
Reporting
Basic
Good
Integrations
Limited
Growing
Hardware
Simple readers
Advanced terminals
Ecommerce
Basic
Limited
Support
Standard
Dedicated
👉 Our winner: Dojo (stronger overall offering)
What Is SumUp? SumUp is a low-cost, pay-as-you-go payment solution designed for:
Sole traders
Small businesses
Mobile sellers
It focuses on:
Simplicity
Low setup costs
Easy-to-use card readers
👉 Great for low-volume businesses
What Is Dojo? Dojo is a merchant account provider offering:
Lower transaction fees (Interchange++)
High-speed card machines
Fast payouts (including weekends)
Dedicated UK support
👉 Designed for retail, hospitality and scaling businesses
Best Choice by Business Type
Business Type Best Option
Sole trader
SumUp
Market stalls
SumUp
Small business
SumUp
Retail shop
Dojo
Restaurant / hospitality
Dojo
High turnover business
Dojo
👉 Depends on your transaction volume
Pricing Model Explained SumUp (Flat Rate)
Fixed 1.69%
Simple pricing
No negotiation
Dojo (Interchange++)
Lower fees at scale
Variable pricing
Negotiable rates
👉 Rule of thumb:
Low volume → SumUp
High volume → Dojo
When Should You Switch from SumUp? You should consider switching if you:
Process £3,000-£5,000+ per month
Want lower transaction fees
Need better reporting and support
Are growing your business
👉 Many businesses outgrow SumUp quickly.
How Much Can You Save? Switching from SumUp to Dojo can reduce:
10-40% on transaction fees
£500-£3,000+ annually depending on volume
Payout Speed & Cash Flow
Feature SumUp Dojo
Standard payouts
1-3 days
Next day (including weekends)
Bank deposits
Direct
Direct
👉 our winner: Dojo (faster payouts)
Pros & Cons SumUp Pros
No monthly fees
Easy setu
Cheap hardware
Simple pricing
SumUp Cons
Limited features
Higher costs at scale
Basic reporting
Dojo Pros
Lower fees
Fast payouts
Strong support
Better for scaling
Dojo Cons
Contracts required
Monthly fees possible
More complex pricing
Our Verdict SumUp is the best option for small and low-volume businesses, offering simplicity and low costs and Dojo is the better long-term solution, offering lower fees and better scalability.
👉 SumUp = best for starting out
👉 Dojo = best for growing businesses
FAQs Is Dojo cheaper than SumUp?
Yes, for higher-volume businesses, Dojo is usually cheaper.
Does SumUp have contracts?
No, SumUp is contract-free.
Which is better for small businesses?
SumUp is typically better for small or low-volume businesses.
When should I switch from SumUp?
When you process around £3k-£5k+ per month.
Which pays out faster?
Dojo offers next-day payouts, including weekends.
Can I switch providers easily?
Yes, many businesses switch as they grow.
What’s the main difference?
SumUp = simple flat-rate
Dojo = lower fees at scale
👉 Compare SumUp, Dojo 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.
