Worldpay vs Dojo: which saves you more?
Dojo wins on cost for most UK SMEs: transaction fees of 1.2-1.9% against Worldpay's 1.75-2.75%, monthly fees from £9 against £25-50, and £0 setup and exit fees against £100-200 and £200-500. In our worked example at £52,700 a month, Dojo comes out £494 a month cheaper, £5,928 a year. Worldpay suits large, high-volume or international businesses.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Transaction
- 1.2-1.9%
- Monthly
- £9-25
- Setup fee
- £0
Worldpay
- Transaction
- 1.75-2.75%
- Monthly
- £25-50
- Setup fee
- £100-200
What the difference looks like in practice
A worked example based on an independent coffee shop taking £52,700 a month on cards, comparing the effective rates each provider charged.
| Monthly cost | Worldpay | Dojo |
|---|---|---|
| Monthly card sales | £52,700 | £52,700 |
| Transaction fees | £1,302 (2.47%) | £833 (1.58%) |
| Monthly rental and fees | £43 | £18 |
| Total monthly cost | £1,345 | £851 |
| Dojo saves | £494/month (£5,928/year) |
The takeaway: at £52,700 a month in card sales, Dojo works out £494 a month cheaper, £5,928 a year. Another example: a Brighton seafood restaurant taking £47,300 a month paid £1,340 a month with Worldpay and £910 after switching to Dojo, a saving of £430 a month, or £5,160 a year.
Feature by feature
| Feature | Worldpay | Dojo |
|---|---|---|
| Transaction fee | 1.75-2.75% | 1.2-1.9% |
| Monthly fee | £25-50 | £9-25 |
| Setup fee | £100-200 | £0 |
| Early termination fee | £200-500 | £0 |
| Contract length | 24-36 months | 12 months or rolling |
| 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 - 1.2-1.9% vs 1.75-2.75%, with cheaper monthly costs
- No setup or exit fees - £0 vs £100-200 setup and £200-500 to leave
- 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:12-month contracts and rolling monthly options. No early termination fees means you're never locked in.
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. Hardware is included in the monthly fee or available to buy outright.
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 to cut your card fees by 30-40%
- You value transparent pricing with no hidden extras
- You want no long-term lock-in
- 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
Want this worked out at your exact numbers?
Tell us your monthly card takings and we'll run Worldpay, 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.