Dojo vs Handepay
UK card machine comparison: transparent pricing versus interchange++ headline rates, settlement speed, contract terms, and real-world costs for your business.
Quick Verdict
While Handepay advertises low headline rates, the interchange++ model means actual costs vary. Dojo's straightforward pricing, next-day settlement, and flexible contracts make it the better choice for most UK businesses.
Feature comparison
| Feature | Handepay | Dojo |
|---|---|---|
| Transaction fee (from) | Claims from 0.29% on interchange++ — scheme fees and card mix mean actual costs are typically higher than the headline figure | From 1.4% (negotiable) — straightforward, all-in style pricing |
| Settlement | Typically 3–5 days | Next-day settlement as standard |
| Setup fee | Varies by agreement | No setup fee |
| Contract | 18-month contracts; early termination fees can apply | 12-month or rolling options |
| Terminal / equipment | Equipment leased | Free terminal on agreement |
| App & dashboard | Provider tools (varies by package) | Modern app and dashboard |
| Support | UK phone support | UK-based support |
| Trustpilot (indicative) | 4.5 / 5 | 4.7 / 5 |
Why businesses choose Dojo
Transparent pricing beats confusing headlines.Handepay may quote very low percentage figures because interchange++ pricing is built from interchange, scheme fees, and a processor margin — so your effective rate moves with card types and volumes. Dojo's straightforward from 1.4% (negotiable) model is easier to budget against and compare like-for-like.
Cash flow and flexibility. With next-day settlement as standard versus Handepay's typical 3–5 day payout window, Dojo gets money into your account faster. Shorter 12-month or rolling terms and no setup fee pair well with a free terminal — compared with Handepay's 18-month tie-ins and early termination fees on leased kit.
Experience at the till and after. Dojo's modern app and dashboard, UK-based support, and 4.7 / 5 Trustpilot score reflect a product built for day-to-day trading — which is why we recommend Dojo for most UK businesses comparing these two providers.
Get your personalised Dojo quote
See how Dojo's straightforward pricing and next-day settlement compare to your current or quoted Handepay setup — no obligation.
Get a free quote