Dojo vs Evo Payments: which saves you more?
Dojo is the clearer choice for most businesses: a negotiable blended rate from 1.4%, next-day settlement against Evo's typical 2-3 days, no setup fee and a free terminal on 12-month or rolling terms against 12-36 month contracts with termination fees. Evo's interchange++ pricing, from 0.5% plus scheme fees, can suit very high, stable card volume with finance resource to manage it.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Rate from
- 1.4%
- Settlement
- Next day
- Terminal
- £0
Evo Payments
- Rate from
- 0.5%++
- Settlement
- 2-3 days
- Terminal
- Leased
Feature by feature
Evo often competes on a low headline percentage plus interchange and scheme costs; Dojo leads with a simpler commercial story, faster payouts, and UK-first service. Compare what shows up in your bank account and your calendar, not just the number at the top of a rate sheet.
| Feature | Dojo | Evo Payments |
|---|---|---|
| Card processing rate | From 1.4%, negotiable | From 0.5% + scheme fees (interchange++, varies by card type) |
| Pricing model | Blended headline rate, easier to budget and discuss with your rep | Interchange++, effective cost moves with customer card mix |
| Settlement speed | Next day as standard | Typically 2-3 business days |
| Setup fee | None | Setup fees may apply |
| Terminal | Free terminal | Terminals typically leased |
| Contract | 12-month or rolling options | Often 12-36 months; termination fees may apply |
| Support | UK-based support | Support quality can vary by route |
| Trustpilot (indicative) | 4.7 / 5 | 3.0 / 5 |
The takeaway: Evo takes one row - the lowest headline rate, from 0.5% plus scheme fees. Dojo leads on everything that affects day-to-day trading: predictable pricing, next-day settlement against 2-3 days, no setup fee, a free terminal against leased kit, shorter contracts, and a 4.7 / 5 Trustpilot score against 3.0 / 5.
Where Dojo wins
- Predictability - one blended rate you can budget and negotiate as volume grows
- Cash flow - next-day settlement against a typical 2-3 day cycle
- No upfront friction - no setup fee and a free terminal against leased hardware
- Contract risk - 12-month or rolling terms against 12-36 months with termination fees
- Service - UK-based support, 4.7 / 5 Trustpilot against 3.0 / 5
Where Evo wins
- Headline rate - interchange++ from 0.5% plus scheme fees can beat blended pricing at very high, stable volume
- Statement detail - the processor margin is separated out, useful for a finance team tracking card mix
How we calculated this
We take Dojo's and Evo 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 Evo Payments before you commit.
Transparency vs lowest headline rate
Evo's interchange++ structure can look attractive on paper because the processor margin is separated from scheme and interchange costs. In practice, many SMEs see their effective rate shift when customers use premium rewards cards, commercial cards, or international cards - and reconciling statements takes more time than a single blended percentage.
Dojo's negotiable rate from 1.4% trades some theoretical spreadsheet upside for clarity: you can negotiate as volume grows, forecast cash more simply, and spend less energy decoding line items. For shops, cafés, salons, and trades without a dedicated finance analyst, that transparency usually matters more than chasing a fraction of a percent on a brochure.
Speed, commitment, and day-to-day support
Next-day settlement with Dojo shortens the gap between a card sale and usable cash versus Evo's typical 2-3 day cycle - meaning less working capital stuck in transit over a busy month. Pair that with no setup fee and a free terminal versus leased hardware and potential upfront charges on many Evo routes, and Dojo often presents a lower-friction path to go live.
Contract length is another important split: Evo may lock you into 12-36 months with termination fees, while Dojo offers 12-month or rolling terms - helpful if your location, staffing, or sales mix might change. On service, Dojo's 4.7 / 5 Trustpilot profile aligns more strongly with consistent UK support than Evo's 3.0 / 5 average.
The verdict
Choose Dojo if
- You want a clear headline rate you can budget and negotiate
- Next-day settlement matters to your cash flow
- You want no setup fee and a free terminal
- You prefer a 12-month or rolling contract
- You value consistent UK-based support
Choose Evo if
- You run very high, stable card volume where interchange++ can win
- You have finance resource to manage and reconcile statements
- You are comfortable with a 12-36 month term and possible setup fees
- Leased terminals fit your setup
Want this worked out at your exact numbers?
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