Takepayments vs Dojo: which saves you more?
This one comes down to the quotes. Takepayments does not publish a rate card - as of August 2026 its pricing is custom-quoted per business, on a 12-month standard contract with next-day settlement. Dojo pricing is bespoke too - typically 1.2-1.9% depending on card turnover, with terminal rental from £20 a month, and we have seen quotes as low as 0.29% for high-turnover businesses - but it publishes £0 setup and £0 exit fees and offers a rolling contract option. On the terms you can verify before signing, Dojo edges it; the honest answer on price is to get both quotes and compare effective rates.
Rates and contract terms checked August 2026· Based on providers' published pricing
Dojo
- Transaction
- Typically 1.2-1.9%
- Monthly
- From £20
- Setup fee
- £0
Takepayments
- Transaction
- Custom quote
- Monthly
- Quoted per package
- Contract
- 12 months
Contract terms and features compared
Neither provider publishes a full rate card, so this table compares the terms both actually publish. Where Takepayments doesn't publish a figure, we say so rather than guess.
| Feature | Takepayments | Dojo |
|---|---|---|
| Pricing model | Custom-quoted; no published rate card | Bespoke, typically 1.2-1.9% depending on card turnover |
| Monthly cost | Quoted per package | Terminal rental from £20 |
| Setup fee | Not published; check your quote | £0 |
| Early exit fee | Not published; check your quote | £0 |
| Contract | 12 months (standard) | 12 months or rolling |
| Terminal | takepaymentsplus, A920 Pro | Dojo Go, Dojo Pocket |
| Payout speed | Next-day settlement (banking window conditions apply) | Next-day settlement, including weekends |
| Support | 7 days a week | UK-based, 7 days a week |
The takeaway:the structural difference isn't the rate - both are quoted individually - it's what happens if the deal stops suiting you. Dojo publishes £0 setup and £0 exit fees and offers a rolling contract; with Takepayments those terms sit in your quote, so read them before you sign.
How to compare quotes from both
Because both providers price by custom quote, a headline rate on its own tells you very little. The effective-rate method puts the two quotes on the same footing in five minutes.
1. Get both quotes against the same month
Give Takepayments and Dojo the same figures: monthly card turnover, average transaction value, and your rough card mix (debit vs credit vs business cards). Different inputs make the quotes incomparable.
2. Add up the total monthly cost of each quote
Transaction fees at your volume, plus terminal rental, plus any minimum monthly service charge, PCI compliance fee, or authorisation fees. Everything, not just the headline rate.
3. Divide by your monthly card turnover
Total monthly cost ÷ monthly card takings = your effective rate. If a quote comes to £220 a month on £15,000 of card sales, that is 1.47% - whatever the headline rate said.
4. Check the exit terms before the rate
Contract length, early exit fee, and whether the contract auto-renews. A slightly cheaper rate on a contract you cannot leave is usually the worse deal.
If you already take cards, your current statement gives you every input for step 1 - our guide to reading a UK merchant statement shows where each figure hides. And yes, card machine rates are negotiable - especially when you hold two comparable quotes.
How we calculated this
We take Takepayments's and Dojo'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 Takepayments and Dojo before you commit.
Where each provider wins
Where Dojo wins
- Published exit terms - £0 setup fee and £0 early exit fee, in writing, before you ask for a quote
- Contract flexibility - 12 months or a rolling option
- A typical range you can sanity-check - bespoke pricing typically lands at 1.2-1.9% depending on card turnover, with terminal rental from £20 a month
- Weekend settlement - next-day payouts including weekends
Full profile: Dojo review and pricing
Where Takepayments wins
- Short standard contract - 12 months advertised as standard, not the 18-48 month terms common among legacy acquirers
- Tailored packages - pricing built around your turnover and card mix, which can work in your favour at higher volumes
- All-in-one hardware - the takepaymentsplus terminal doubles as a till, with separate POS systems for hospitality and retail
- 7-day support - customer support available every day of the week
Takepayments vs Dojo: your questions answered
Is Takepayments cheaper than Dojo?
It depends on the quote you are given. Takepayments does not publish a rate card - as of August 2026 its site prices every business individually based on turnover and card mix. Dojo pricing is also bespoke, typically 1.2%-1.9% depending on card turnover, with terminal rental from £20/month. The only reliable way to compare them is to get a written quote from both and work out the effective rate: total monthly cost divided by monthly card turnover.
What contract lengths do Takepayments and Dojo offer?
Takepayments advertises a 12-month contract as standard (as of August 2026). Dojo offers a 12-month contract or a rolling option, with no early exit fee. Whatever you are quoted, check the contract length, any minimum monthly service charge, and the cost of leaving early before you sign.
How fast do Takepayments and Dojo pay out?
Both advertise next-day settlement. Takepayments notes conditions apply - the terminal’s banking window must be run before the acquirer’s cut-off. Dojo offers next-day settlement including weekends.
Can I negotiate the rates either provider quotes me?
Yes. Both providers price by custom quote, which means the first number you are given is rarely the floor. Quotes move most on card turnover, average transaction value and whether you bring a competing quote. Getting both providers to quote the same month of turnover is the strongest negotiating position.
The verdict
Choose Dojo if
- You want the exit terms in writing before you commit
- You value the rolling contract option and £0 exit fee
- Weekend next-day settlement matters to your cash flow
- You run a UK restaurant, cafe or retail shop
Choose Takepayments if
- Its tailored quote beats Dojo’s at your turnover - check the effective rate, not the headline
- You want a terminal that doubles as a till (takepaymentsplus)
- A 12-month contract suits you and the exit terms in your quote are acceptable
- You have compared both quotes like for like and Takepayments comes out ahead
Want this worked out at your exact numbers?
Tell us your monthly card takings and we'll run Takepayments, Dojo and 13 other UK providers at your volume. Free, no obligation.
See also the full UK card machine rates table, all 15 providers in one place.