Worldpay vs Dojo vs Square UK 2026: Ultimate Comparison

Quick Verdict

• Best for small businesses (under about £2,730/month): Square
• Best for medium businesses (£2,730-£30k/month): Dojo (1.2% blended under £100k/year, custom quote above; a Dojo Wired rented at £15/month beats Square's 1.75% above £15 ÷ 0.55% = about £2,730, and a free terminal through MerchantSwitch has no rental to cover)
• Best for large businesses (£30k+/month): Worldpay

Fee Comparison Table

Cost Comparison: Real Scenarios

Small Business - £5,000 Monthly

• Worldpay: (£5,000 × 0.95%) + £25 = £72.50/month
• Dojo: £5,000 × 1.2% = £60.00/month with the terminal free through MerchantSwitch; renting a Dojo Go Max direct adds £25/month, making £85.00
• Square: £5,000 × 1.75% = £87.50/month
• Winner: Dojo with the free terminal; rent a Dojo terminal direct (£15/month to £25/month) and Worldpay's £72.50 is cheaper (but consider Square's free POS worth £60/month)

Medium Business - £20,000 Monthly

• Worldpay: (£20,000 × 0.85%) + £25 = £195/month
• Dojo: £20,000/month is £240,000 a year, above the £100k/year ceiling for Dojo's published 1.2% rate, so this volume gets a custom quote. As a conservative benchmark, 1% of £20,000 = £200/month; we have seen custom quotes well below 1% at this volume
• Square: £20,000 × 1.75% = £350/month
• Winner: too close to call on published numbers - get Worldpay's and Dojo's custom quotes side by side

Large Business - £50,000 Monthly

• Worldpay: (£50,000 × 0.75%) + £30 = £405/month
• Dojo: custom quote only at this volume. At a conservative 1% benchmark that is £500/month; we have seen quotes as low as 0.29% (£145/month) at high turnover
• Square: £50,000 × 1.75% = £875/month
• Winner: Worldpay on published numbers, but a keen Dojo custom quote can beat it - both are negotiable at this volume, Square is not

When Each Provider Wins

Choose Worldpay If:

• Processing £30,000+ monthly
• Want dedicated account manager
• Need enterprise features
• Can commit to 24 months
• Want 24/7 UK support

Choose Dojo If:

• Processing £2,730-£30,000 monthly (1.2% blended under £100k/year; custom quote above)
• Want one published all-in rate for all card transactions
• Average transaction over £15
• Don't need POS software
• Comfortable giving at least one month’s written notice, with any minimum term set in your application documents

Choose Square If:

• Processing under about £2,730 monthly
• Need free POS/booking software
• Sell online + in-person
• Want no contracts
• Low average transactions (under £15)

Final Verdict

Market share in UK (2026):

• Worldpay: 35% (largest, enterprise-focused)
• Square: 18% (fastest growing, SME-focused)
• Dojo: 12% (challenger, value-focused)

All three are excellent. Your choice should be based on monthly processing volume and whether you need free POS software. Get quotes from all three to compare actual costs for your specific business.