Dojo vs Clover: which saves you more?
Dojo wins on cost and clarity for most businesses. Under £100,000 a year in card turnover its Fix plan is £39.99 a month, covering card turnover up to £3,999 a month, then a 1% flat rate above £4,000 (a 1.0% effective rate at £5,000 a month), against Clover's from 2.6% + 10p plus £9.95 to £69.95 a month in software. Above £100,000 Dojo quotes a custom rate, and we have seen quotes as low as 0.29% for high-turnover businesses. The Dojo terminal is from £179 (free through MerchantSwitch) against £49 to £1,349 of Clover hardware. Clover wins if you need its full POS app marketplace and are happy to pay the premium.
Rates and contract terms checked 27 August 2026· Based on providers' published pricing
Dojo
- Fix plan
- £39.99/mo
- Over £4k/mo
- 1% flat
- Hardware
- From £179
Clover
- Rate from
- 2.6% + 10p
- Software
- £9.95+/mo
- Hardware
- £49+
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
Feature by feature
Fees, hardware, contracts and support side by side, based on each provider's published or typical terms.
| Feature | Dojo | Clover |
|---|---|---|
| Pricing | Fix plan: £39.99/month covers card turnover up to £3,999/month, then 1% flat above £4,000 (under £100k/year); custom quote above | 2.6% + 10p, card-present can be higher, varies by plan |
| Monthly software / POS fees | Platform fee included in the Fix plan; £10/month per location on Flex | £9.95-£69.95/month, plan-dependent |
| Hardware cost | From £179 upfront; free via MerchantSwitch | Approx. £49-£1,349 upfront or leased |
| Setup fee | None | Varies by offer / partner |
| Settlement | Next day as standard | Typically standard banking timelines, check plan |
| Contract | 30-day trial, then a 12-month price-locked plan | Often 12 months or longer |
| Pricing clarity | Straightforward UK card proposition | Complex pricing tiers and add-ons |
| Insights & reporting | Built-in business insights dashboard | Rich POS and app ecosystem |
| Support | UK-based dedicated support | US-based parent: Fiserv |
| Trustpilot (UK) | 4.3 / 5 | 3.4 / 5 |
The takeaway: Clover's full stack means paying three ways - a higher per-transaction rate from 2.6% + 10p, £9.95 to £69.95 a month in software, and £49 to £1,349 in hardware. Dojo's Fix plan rolls it into £39.99 a month (platform fee included) with a 1% flat rate above £4,000 a month of card turnover, and a terminal from £179 upfront or free through MerchantSwitch. Clover's genuine edge is its POS app ecosystem.
Want Clover and Dojo priced at your numbers?
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Where Dojo wins
- Transaction cost - the Fix plan works out at 1.0% effective at £5,000 a month, against 2.6% + 10p
- Software included - the platform fee is included in the Fix plan (£10 a month per location on Flex), against £9.95 to £69.95 monthly plans
- Lower hardware outlay - from £179, free through MerchantSwitch, against £49 to £1,349 upfront or leased
- Cash flow - next-day settlement as standard
- Service - UK-based dedicated support, 4.3 / 5 Trustpilot against 3.4 / 5
Where Clover wins
- POS ecosystem - a rich app marketplace, kitchen displays and integrations
- Hardware range - full countertop POS setups, not just a card terminal
- Feature depth - strong fit if you want payments and POS in one stack
How we calculated this
We take Dojo's and Clover'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 Clover before you commit.
The verdict
Choose Dojo if
- You mainly need reliable card acceptance, not a full POS stack
- You want one clear rate instead of fees plus software plus hardware
- Next-day settlement matters to your cash flow
- You want no setup fee, with the terminal free through MerchantSwitch
- You value UK-based dedicated support
Choose Clover if
- You are all-in on its POS apps, kitchen displays and integrations
- You want payments and point of sale from one vendor
- You can budget for per-transaction fees, monthly software and hardware together
- A US-based parent (Fiserv) is not a concern for your support needs
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.