Dojo vs Clover: which saves you more?
Dojo wins on cost and clarity for most businesses: card fees from 1.4% against Clover's from 2.6% + 10p, no separate software fee against £9.95-£69.95 a month, and a free terminal against £49-£1,349 of hardware. Clover wins if you need its full POS app marketplace and are happy to pay the premium.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Rate from
- 1.4%
- Software
- Bundled
- Hardware
- £0
Clover
- Rate from
- 2.6% + 10p
- Software
- £9.95+/mo
- Hardware
- £49+
Feature by feature
Fees, hardware, contracts and support side by side, based on each provider's published or typical terms.
| Feature | Dojo | Clover |
|---|---|---|
| Card transaction fee (from) | 1.4%, negotiable | 2.6% + 10p, card-present can be higher, varies by plan |
| Monthly software / POS fees | Bundled with service, insights dashboard included | £9.95-£69.95/month, plan-dependent |
| Hardware cost | Free terminal included | 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 | 12-month or rolling | 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) | 4.7 / 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-£69.95 a month in software, and £49-£1,349 in hardware. Dojo bundles the terminal and insights dashboard into one negotiable rate from 1.4%. Clover's genuine edge is its POS app ecosystem.
Where Dojo wins
- Transaction fees - from 1.4% negotiable against 2.6% + 10p
- No software tiers - insights dashboard bundled, no £9.95-£69.95 monthly plans
- No hardware outlay - free terminal against £49-£1,349 upfront or leased
- Cash flow - next-day settlement as standard
- Service - UK-based dedicated support, 4.7 / 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 a free terminal and no setup fee
- 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
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.