Dojo vs Handepay: which saves you more?
Dojo is the stronger pick for most businesses: straightforward pricing from 1.4%, next-day settlement against Handepay's typical 3-5 days, and a free terminal on 12-month or rolling terms against 18-month tie-ins on leased kit. Handepay's from-0.29% interchange++ headline looks cheaper, but actual costs vary with scheme fees and card mix.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Rate from
- 1.4%
- Settlement
- Next day
- Terminal
- £0
Handepay
- Rate from
- 0.29%++
- Settlement
- 3-5 days
- Terminal
- Leased
Feature by feature
Transparent pricing versus interchange++ headline rates, settlement speed, contract terms, and the real-world costs for your business.
| Feature | Dojo | Handepay |
|---|---|---|
| Transaction fee (from) | From 1.4%, negotiable, straightforward all-in style pricing | Claims from 0.29% on interchange++; scheme fees and card mix mean actual costs are typically higher than the headline figure |
| Settlement | Next day as standard | Typically 3-5 days |
| Setup fee | None | Varies by agreement |
| Contract | 12-month or rolling options | 18-month contracts; early termination fees can apply |
| Terminal / equipment | Free terminal on agreement | Equipment leased |
| App & dashboard | Modern app and dashboard | Provider tools, varies by package |
| Support | UK-based support | UK phone support |
| Trustpilot (indicative) | 4.7 / 5 | 4.5 / 5 |
The takeaway:Handepay's 0.29% headline is an interchange++ figure, so the price you actually pay moves with scheme fees and card mix. Dojo gives you one negotiable rate from 1.4%, money in your account the next day instead of 3-5 days, and a free terminal on shorter terms. Both score well on Trustpilot - 4.7 / 5 for Dojo, 4.5 / 5 for Handepay.
Where Dojo wins
- Pricing clarity - one negotiable rate from 1.4% is easier to budget and compare like for like
- Cash flow - next-day settlement against a typical 3-5 day payout window
- No upfront friction - no setup fee and a free terminal against leased equipment
- Contract risk - 12-month or rolling terms against 18-month tie-ins with early termination fees
- Tools - a modern app and dashboard built for day-to-day trading
Where Handepay wins
- Headline rate - interchange++ from 0.29% can work out cheaper for some card mixes at high volume
- Reputation - a strong 4.5 / 5 indicative Trustpilot score of its own
- Support - established UK phone support
How we calculated this
We take Dojo's and Handepay'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 Handepay before you commit.
The verdict
Choose Dojo if
- You want a rate you can budget against, not a moving interchange++ figure
- Next-day settlement matters to your cash flow
- You want a free terminal and no setup fee
- You prefer a 12-month or rolling contract over an 18-month tie-in
- You want a modern app and dashboard with your card machine
Choose Handepay if
- Your card mix genuinely suits interchange++ and you can verify it on statements
- You are comfortable with an 18-month term and leased equipment
- A 3-5 day settlement cycle works for your cash flow
- You want an established provider with a solid Trustpilot record
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.