Dojo vs Zettle Comparison
UK card machines compared: professional merchant acquiring vs PayPal's simple reader — fees, settlement, contracts and support.
Quick Verdict
Dojo is the stronger fit for serious UK businesses that need lower transaction fees at volume, UK-based support you can reach when it matters, and reliable next-day settlement as part of a full merchant service — not just an app-led reader.
Zettle keeps things simple: no contract, no monthly fee, and a low upfront cost for the reader — which can suit very small or occasional sellers who prioritise flexibility over negotiated rates and dedicated service.
Professional choice for growing businesses: Dojo — better economics as card turnover scales, human UK support, and hardware included on contract so you are not buying kit upfront.
Rate & fees comparison
| Feature | Zettle (by PayPal) | Dojo |
|---|---|---|
| Transaction fee | 1.75% flat (not negotiable) | From 1.4% + 0p (negotiable) |
| Settlement | Instant or next-day (product / settings) | Next-day settlement |
| Setup fee | £0 | £0 |
| Monthly fee | £0 | Varies by package (quoted) |
| Contract | None — pay-as-you-go | 12 months or rolling options |
| Card reader / terminal | From £29 + VAT upfront | Free terminal on contract |
| Support | Primarily in-app / email | UK-based support |
| Trustpilot (indicative) | 3.8 / 5 | 4.7 / 5 |
Why businesses choose Dojo
Dojo is built for merchants who treat card payments as core infrastructure: negotiated pricing means your rate can reflect turnover and risk, not a single flat percentage aimed at casual users.
- Lower fees at scale:from 1.4% + 0p with room to negotiate — typically more competitive than Zettle's fixed 1.75% once volumes grow.
- Next-day settlement and a full merchant proposition — not only a reader and an app.
- UK-based support and a stronger Trustpilot score (4.7 vs 3.8) for confidence when something goes wrong at the till.
- No upfront hardware hit on contract — free terminal on agreement versus buying a Zettle reader from £29 + VAT.
If you outgrow "simple reader" pricing
- Zettle: 1.75% is fixed — no negotiation as your turnover grows.
- Reader purchased upfront (from £29 + VAT) rather than included on a Dojo contract.
- Support via app/email vs Dojo's UK-based team — fine for light use, less ideal for busy sites.
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