Compare card machine rates in 60 seconds
We work out the total cost at your card volume across 17 UK providers, and show our working. Most businesses that switch save 20 to 30%.
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Worked example
A shop taking £5,000/month on cards
| Published rate | Cost / year |
|---|---|
| SumUp, 1.69% flat | £1,014 |
| Zettle, 1.75% flat | £1,050 |
| Square, 1.75% flat | £1,050 |
At this volume, negotiated pricing usually undercuts flat rates. That gap is exactly what we compare, line by line, at your numbers.
We compare a vetted panel of 17 UK payment providers, including
No provider pays for placement. See how they stack up
What does a flat rate actually cost?
Flat-rate readers like SumUp, Zettle and Square are brilliant for small volumes. No contract, no rental. But the percentage never moves, so as your takings grow, so does the bill.
| Monthly card takings | Cost / year at 1.75% flat |
|---|---|
| £2,000 | £420 |
| £5,000 | £1,050 |
| £10,000 | £2,100 |
| £30,000 | £6,300 |
Arithmetic: volume × 1.75% × 12. Past roughly £5,000 a month, a negotiated rate usually wins: Dojo publishes 1.2% under £100k/year card turnover, and quoted rates go lower at volume. Published rates checked 24 August 2026. Run my numbers
How switching works
One point of contact from first question to go-live. No spam, ever.
Tell us your numbers
60 seconds. No contact details until the end.
We request quotes
From 5 to 10 vetted providers, within the hour.
Compare side by side
Quotes within 24 hours, at your numbers. No pressure calls.
We handle the switch
Cancellation, paperwork, setup and go-live, managed for you.
How we can help your business
Better card processing rates, or working capital to grow. We compare the market for you.
Card processing & terminals
Find the right payment setup with preferential rates from FCA regulated partners. Our buying power secures rates not available through direct sales channels.
- Transaction fees from 0.29%
- Latest card machine technology
- One point of contact, dedicated support
Business funding
Working capital through merchant cash advances and business loans from FCA regulated lenders, repaid in step with your card sales.
- Fast approvals, 24 to 48 hours
- Merchant cash advances available
- Flexible repayment options
Free tools
Work the numbers yourself before you talk to anyone.
Savings calculator →Funding calculator →Compare providers side by side →Stuck in a card machine contract?
When you switch to Dojo, Dojo pays up to £3,000towards your existing provider's exit fees (their switcher offer, eligibility confirmed at quote). You also get a Dojo terminal with no upfront cost and no rental through us.
The contract review is free, and we tell you plainly whether leaving is worth it.
Businesses that switched
We work for you, not the payment providers. Providers cannot pay for rankings, and commercial relationships never change a verdict.
Our old provider kept hiking fees every few months. MerchantSwitch got us quotes from three different companies - ended up saving about £280 a month.
MerchantSwitch customer · saving £280/monthHonestly didn't think we'd find anything better than what we had. They showed us the actual numbers side-by-side and we were paying way more than we needed to.
MerchantSwitch customer · switched after a side-by-side comparisonSavings depend on your rates and volume, so we publish the method, not just the wins:
22 head-to-heads, each with a named winner→The full rates table →130+ guides and cost breakdowns→Questions merchants ask us
How much can I save by switching card machine providers?
Most businesses that switch save 20 to 30% on processing costs. The exact figure depends on your card volume and what you pay now. The comparison shows it at your numbers, line by line.
How does MerchantSwitch make money?
Providers pay us a referral fee when a switch completes. You pay nothing, the fee doesn't change the price you're quoted, and no provider pays for placement in our comparisons.
How long does it take to switch?
Quotes typically arrive within 24 hours. Once you choose, we manage the cancellation, paperwork and setup. Most switches complete within a few days.
Will I be locked into a long contract?
Only if you choose one. We compare contract lengths, notice periods and exit fees before you sign, and we flag auto-renewal traps in plain English.
What if I'm stuck in an existing contract?
Dojo pays up to £3,000 towards your current provider’s exit fees when you switch to them (eligibility confirmed at quote). Call us for a free review of your contract and exit options.
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