Dojo vs Barclaycard Payments: which saves you more?
Dojo comes out ahead for most businesses: a lower headline rate (from 1.4% against roughly 1.6%), next-day settlement as standard against Barclaycard's typical 1-2 days, and a free terminal with no setup fee. Barclaycard makes sense if you want payments, banking and lending under one major-bank relationship.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Rate from
- 1.4%
- Settlement
- Next day
- Terminal
- £0
Barclaycard Payments
- Rate from
- ~1.6%
- Settlement
- 1-2 days
- Terminal
- Leased
Feature by feature
Pricing, settlement, contracts and support side by side, based on each provider's published or typical terms.
| Feature | Dojo | Barclaycard Payments |
|---|---|---|
| Transaction fee (from) | 1.4%, negotiable for volume | From ~1.6%, varies by turnover |
| Settlement | Next day as standard | Typically 1-2 business days |
| Setup fee | None | A setup fee may apply |
| Contract length | From 12 months or rolling monthly | Often 12-18 months, early termination fees can apply |
| Terminal | Free terminal included | Leased or purchased, model-dependent |
| Support | Dedicated UK-based support | Large bank infrastructure, can feel less personal |
| Trustpilot (indicative) | 4.7 / 5 | ~3.5 / 5 |
The takeaway:Dojo leads on every row in the table - a lower headline rate, next-day settlement, no setup fee, a free terminal, and a 4.7 / 5 Trustpilot score against roughly 3.5 / 5. Barclaycard's case rests on brand recognition and breadth of banking services, not on the payments terms themselves.
Where Dojo wins
- Headline rate - from 1.4%, negotiable, against roughly 1.6%
- Cash flow - next-day settlement as standard from week one
- No upfront costs - no setup fee and a free terminal
- Flexibility - from 12 months or rolling monthly, lower switching risk
- Service - dedicated UK support and a 4.7 / 5 Trustpilot score
Where Barclaycard wins
- Brand recognition - a major-bank name your customers know
- One relationship - payments alongside business banking and lending
- Breadth of services - a wider product range beyond card acceptance
- Terminal choice - leased or purchased models to suit larger setups
How we calculated this
We take Dojo's and Barclaycard Payments's published or typical advertised rates and apply them to example monthly card volumes. Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with Dojo and Barclaycard Payments before you commit.
The verdict
Choose Dojo if
- You want the lower headline rate and room to negotiate as volume grows
- Next-day settlement matters to your cash flow
- You want no setup fee and no upfront terminal spend
- You prefer a rolling monthly or 12-month contract
- You value dedicated UK support over a big-bank helpline
Choose Barclaycard if
- You want payments, banking and lending under one roof
- A major-bank brand matters to your customers or landlord
- You need Barclaycard-specific integrations or services
- You are comfortable with a 12-18 month term and possible setup fees
Want this worked out at your exact numbers?
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See also the full UK card machine rates table, all 15 providers in one place.