Worldpay vs Dojo: which saves you more?
Dojo wins on cost for most UK SMEs. Under £100,000 a year in card turnover it publishes a 1.2% all-in blended rate for all card transactions, against Worldpay's 1.75 to 2.75% plus £25 to £50 in monthly fees and £100 to £200 setup. Above £100,000 Dojo quotes a custom rate per business, and we have seen quotes as low as 0.29% for high-turnover businesses. In our benchmark example at £52,700 a month, a Dojo quote at the published 1.2% comes out about £713 a month cheaper, roughly £8,550 a year. Worldpay suits large, high-volume or international businesses.
Rates and contract terms checked 27 August 2026 · Based on providers' published pricing
Dojo
- Under £100k/yr
- 1.2%
- Over £100k/yr
- Custom
- Setup fee
- £0
Worldpay
- Transaction
- 1.75-2.75%
- Monthly
- £25-50
- Setup fee
- £100-200
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
What the difference looks like in practice
A benchmark example at £52,700 a month on cards. That volume is about £630,000 a year, so Dojo prices it by custom quote: the Dojo column uses the published 1.2% as a conservative benchmark, and we have seen quotes as low as 0.29%. The Worldpay column uses a typical 2.47% effective rate from its 1.75 to 2.75% range plus extras.
| Monthly cost | Worldpay | Dojo |
|---|---|---|
| Monthly card sales | £52,700 | £52,700 |
| Transaction fees | £1,302 (2.47% effective) | £632.40 at the published 1.2% as a conservative benchmark |
| Monthly rental and fees | £43 | £0 on the Essential plan; terminal free through MerchantSwitch |
| Total monthly cost | £1,345 | ~£632.40 |
| Dojo saves | ~£713/month (~£8,550/year) at the 1.2% benchmark |
The takeaway: the arithmetic is 1.2% of £52,700 = £632.40, with no plan fee on Essential and the terminal free through MerchantSwitch, against £1,345 with Worldpay at a 2.47% effective rate: about £713 a month, or £8,550 a year. And 1.2% is the conservative end; we have seen Dojo quotes as low as 0.29% at high turnover, which would widen the gap further. Get both quotes in writing and run this division on your own numbers.
Want Worldpay and Dojo priced at your numbers?
Tell us your monthly card takings and we will quote both, honestly, plus other UK providers. Free Dojo terminal with no rental if Dojo wins it, and Dojo pays up to £3,000 towards your Worldpay exit fees when you switch through MerchantSwitch (eligibility confirmed at quote). We respond in under 5 minutes.
Feature by feature
| Feature | Worldpay | Dojo |
|---|---|---|
| Pricing | 1.75-2.75% | 1.2% all-in blended rate on all cards (under £100k/year); custom quote above |
| Monthly fee | £25-50 | £0 on the Essential plan; terminal rental from £15/month if you rent (none through MerchantSwitch) |
| Setup fee | £100-200 | £0 |
| Early termination fee | £200-500 | Early account closure fee possible before your minimum term ends (amount not published); none if you end it in the first month |
| Contract length | 24-36 months | Minimum term set in your application documents; at least one month’s written notice; no early closure fee in the first month |
| Best for | Large businesses, high volume | SMEs, restaurants, retail |
Where Worldpay wins
- Established brand - a global presence customers recognise
- Comprehensive features - suits complex, multi-channel needs
- International reach - Dojo's international features are limited
- Hardware range - a wide choice of terminals, rental or purchase
Where Dojo wins
- Lower fees - 1.2% all-in, £60.00 at £5,000 a month (custom quote above £100k a year) vs 1.75-2.75%
- No setup fee - £0 vs £100-200, and no early closure fee if you leave in the first month
- Transparent pricing - all costs outlined upfront, no hidden extras
- Modern hardware - sleek terminals with intuitive touchscreens
- UK support - fast, accessible UK-based customer service
Pricing transparency
Worldpay: complex interchange-plus pricing with various added fees (PCI compliance, authorisation fees, gateway fees). Total cost is often higher than the initial quote.
Dojo: simple, transparent pricing. What you see is what you get, with all costs clearly outlined upfront.
Contract flexibility
Worldpay: typically 24-36 month contracts with automatic renewal clauses. An early exit can cost £200-500.
Dojo: no early account closure fee if you end the agreement within the first month. Any minimum term is set in your application documents and you give at least one month’s written notice; leaving before the minimum term ends can mean an early account closure fee, an amount Dojo does not publish.
Customer support
Worldpay: 24/7 support, but often routed through call centres. It can be difficult to reach a knowledgeable advisor quickly.
Dojo: UK-based support team with fast response times, known for helpful, accessible service.
Hardware and technology
Worldpay: a wide range of terminals, but the hardware can be dated. Rental or purchase options available.
Dojo: modern, sleek terminals with intuitive touchscreens: Dojo Go Max, Dojo Pocket, Dojo Wired, or Tap to Pay on iPhone with no hardware at all. Buy the hardware outright from £149, pay from £15/month, or take it free through MerchantSwitch.
How we calculated this
We take Worldpay's and Dojo's published or typical advertised rates and apply them to example monthly card volumes (a worked example at £52,700 a month). 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 Worldpay and Dojo before you commit.
The verdict
Choose Dojo if
- You want a lower effective rate than Worldpay’s 1.75 to 2.75%
- You value transparent pricing with no hidden extras
- You want to be able to leave in the first month with no early closure fee, not sign for 24-36 months
- You run a UK restaurant, cafe or retail shop
- You prefer responsive UK support
Most of our restaurant and retail clients choose Dojo for the combination of low fees, flexibility and support.
Choose Worldpay if
- You process £200k or more a month
- You need advanced multi-channel features
- Brand recognition matters to your customers
- You operate multiple locations internationally
Leaning Worldpay? We broker both. Send us your takings and we will show you the Worldpay and Dojo maths side by side, and tell you straight if Worldpay wins at your volume.
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.