Dojo pricing UK: the 1.2% rate, the custom tiers, and what changed

Dojo charges a 1.2% all-in blended transaction rate for all card transactions if you take under £100,000 a year on cards; above that, everything is a custom quote. Here is what each tier costs, the pricing change most comparison sites have missed, and the arithmetic for deciding whether a Dojo deal beats what you pay now.

Dojo fees at a glance

  • Under £100k/year card turnover: 1.2% all-in blended transaction rate for all card transactions. Dojo’s fees schedule also lists a secure transaction fee, a refund fee and a minimum monthly payment, each set by your agreed plan; the amounts are not published
  • Custom rate (above £100k/year): a custom rate quoted per business, on a 12-month fixed plan or 30-day rolling plan
  • Large business (above £5m/year): bespoke blended rates and card mix options, with flexible hardware payment plans. On custom quotes we have seen rates as low as 0.29%
  • Hardware: Dojo Go Max £149 upfront (launch offer, usually £229) or £25/month; Dojo Pocket £239 or £20/month; Dojo Wired £179 or £15/month; £0 arranged through MerchantSwitch. Tap to Pay on iPhone needs no hardware
  • Software: Essential free; Plus £11.99/month per location (the £11.99 price is for new customers and new locations from 24 August 2026; £25/month per location standard)
  • First month: No early account closure fee if you tell Dojo you want to end the agreement within the first month (Dojo general terms v2.0). Leaving early: ending the agreement before your minimum term ends can mean an early account closure fee (amount set by your agreed plan, not published), plus any fee for equipment not returned; notice is at least one month’s written notice

Rates checked: 27 August 2026; Dojo figures from dojo.tech/pricing and Dojo's terms, checked November 2026 (see corrections log). MerchantSwitch is an independent comparison site; you can switch to Dojo through MerchantSwitch, and Dojo pays us a fee when a business we introduce completes a switch. Custom rates are quoted per business, so always confirm with a current quote.

The three tiers: under £100k, custom and bespoke

For businesses taking under £100,000 a year on cards (roughly £8,300 a month), Dojo publishes a 1.2% all-in blended rate for all card transactions. The rate is the same at every volume up to that ceiling, so the sum is simple: £5,000 × 1.2% = £60.00 a month. The consequence worth understanding: the rate is not the whole bill. Dojo’s fees schedule also lists a secure transaction fee, a refund fee and a minimum monthly payment, each set by your agreed plan; the amounts are not published, and a rented terminal adds £15/month or more, which is why we tell low-volume businesses that would rent a terminal not to switch.

Above £100,000 a year, pricing goes custom: a custom rate quoted per business, on a 12-month fixed plan or 30-day rolling plan. Above £5 million Dojo offers bespoke blended rates and card mix options, with flexible hardware payment plans. At these volumes the true cost of processing varies enough with card mix and transaction size that a negotiated rate can beat any published number: we have seen quotes as low as 0.29% for high-turnover businesses.

What changed since 2025 (and why other sites quote a monthly plan)

In 2025 dojo.tech showed a Fix / Flex / Pro plan model (Fix: £39.99/month under £100,000 a year). By November 2026 dojo.tech/pricing showed a 1.2% all-in blended rate under £100,000 a year and custom rates above (checked November 2026). Much of the comparison industry never settled on one version: as of 27 August 2026 you can find 2026-dated reviews quoting 1.2%, 1.4% plus 5p and a £24.95 minimum for the same product, sometimes on the same page.

We got this wrong too: from August to November 2026 this site described the older plan model as current, because we read it from an archived copy of Dojo's pricing page rather than the live one. The correction is logged, dated and explained on our corrections page. The practical takeaway when you compare: check the date on any Dojo rate you read, and judge quotes against the tier structure above, not a plan from 2025.

What drives a custom-plan quote

If you want to see the machinery underneath these levers, our guide to reading a merchant statement shows how to work out the effective rate you pay today, which is the number any Dojo quote has to beat.

Hardware: buy it, or get it free through us

Dojo lists a price per device: the Dojo Go Max is £149 upfront (launch offer, usually £229) or £25/month, the Dojo Pocket £239 or £20/month, and the Dojo Wired £179 or £15/month. The catch for smaller businesses: renting adds a monthly line that the 1.2% rate has to earn back, as the worked examples below show. Tap to Pay on iPhone needs no hardware at all. Arranged through MerchantSwitch, the terminal is free: £0 upfront and no monthly cost for the life of the contract, not an introductory period.

Said plainly, because a comparison site should say it plainly: the free-terminal arrangement is funded by the fee Dojo pays us on a completed switch, and it does not change the pricing you are quoted. A free terminal attached to a poor deal is a poor deal. Judge the quote on the rate first, and treat the terminal as the bonus. The mechanics are on the free Dojo card machine page.

Worked examples at £2,000, £5,000 and £20,000 a month

Dojo arithmetic under £100,000 a year: 1.2% of card turnover, with any terminal rental shown as its own line. Fees Dojo does not publish are left out because we cannot price them. The arithmetic is shown so you can rerun it on your own numbers.

A stall taking £2,000 a month on cards: do not rent a terminal to switch

Rented direct, the pay-as-you-go readers win by £15.20 a month. With the terminal free through us Dojo is £9.80 a month cheaper than SumUp on rate, a margin Dojo's unpublished minimum monthly payment could erase, so get that figure before you decide. Below about £3,060 a month of card takings, if you would rent the terminal yourself, stay on a no-contract reader.

A cafe taking £5,000 a month on cards

Here Dojo wins clearly on rate: £24.50 a month against SumUp and £27.50 against Square, roughly £330.00 a year. Rent a Dojo Go Max direct and the margin over SumUp is gone (£85.00 against £84.50); with the terminal free through us, or bought outright (from £149 direct), the rate saving stands.

A restaurant taking £20,000 a month on cards

At £20,000 a month this business turns over £240,000 a year on cards, well past the £100,000 ceiling for the published rate, so it gets a custom quote and there is no published number to print. The benchmarks: a flat-rate reader at 1.75% costs £350.00 a month here. A custom quote at 1% would be £200, and at the 0.29% floor we have seen quoted, £58.00. Every 0.1% negotiated off is worth £20 a month at this volume, which is why the single most useful thing you can do is know your current effective rate before the call.

The pay-as-you-go crossover

On rate alone, 1.2% is below SumUp (1.69%) and Square (1.75%) at every volume; the terminal cost decides small businesses. Renting the terminal direct sets the break-even points against SumUp: ~£3,060/month card turnover (1.2% + Wired £15/month vs SumUp 1.69%), and ~£5,100/month card turnover (1.2% + Go Max £25/month vs SumUp 1.69%). Below those volumes, if you would rent the terminal yourself, the no-monthly-cost reader costs less, and the honest advice is to stay put. Through MerchantSwitch the terminal is free with no rental, so the crossover does not apply. The full market picture is in our UK card machine rates table.

How to get a real quote

  1. Work out your monthly card turnover and, if you can, your current effective rate (total card fees divided by card turnover, off your last statement).
  2. Ask us for the quote: the two-minute form or 0333 041 3933. We respond in under 5 minutes, and the terminal comes free.
  3. Judge the quote against your current effective rate and the arithmetic above. Get it in writing before you sign anything.

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Dojo pricing FAQs

What are Dojo’s transaction fees?

It depends on your card turnover. For businesses taking under £100,000 a year on cards, Dojo publishes a 1.2% all-in blended transaction rate for all card transactions, so £5,000 of card sales a month costs £60.00. Dojo’s fees schedule also lists a secure transaction fee, a refund fee and a minimum monthly payment, each set by your agreed plan; the amounts are not published. Above £100,000 a year the rate is a custom quote on a 12-month fixed plan or 30-day rolling plan, and we have seen quotes as low as 0.29% for high-turnover businesses. Checked November 2026.

Does Dojo still charge 1.2%?

Yes, for businesses under £100,000 a year of card turnover: dojo.tech/pricing shows a 1.2% all-in blended transaction rate for all card transactions (checked November 2026). Above that the rate is a custom quote. In 2025 dojo.tech showed a Fix / Flex / Pro plan model (Fix: £39.99/month under £100,000 a year), and some comparison sites still describe that model as current. We did too, from August to November 2026; the correction is logged on our corrections page.

How much does the Dojo card machine cost?

Dojo lists a price per device: the Dojo Go Max is £149 upfront (launch offer, usually £229) or £25/month, the Dojo Pocket £239 or £20/month, and the Dojo Wired £179 or £15/month. Tap to Pay on iPhone needs no hardware at all. Arranged through MerchantSwitch, the terminal comes with £0 upfront and no monthly cost for the life of your contract. Disclosure: Dojo pays us a fee on switches completed through MerchantSwitch, which is how the arrangement is funded. The free terminal does not change the pricing you are quoted.

Does Dojo charge setup or exit fees?

Exit fees can apply. Ending the agreement before your minimum term ends can mean an early account closure fee (amount set by your agreed plan, not published), plus any fee for equipment not returned. No early account closure fee if you tell Dojo you want to end the agreement within the first month (Dojo general terms v2.0). Dojo’s general terms say any minimum term is set in your application documents, and to leave you give at least one month’s written notice; large corporations (businesses that are not micro-enterprises or charities) can only give notice once the minimum term has ended. Above £100,000 a year the custom rate comes on a 12-month fixed plan or 30-day rolling plan, and the rolling option avoids the lock entirely.

Is Dojo cheaper than SumUp or Square?

On rate, yes, at every volume: 1.2% against 1.69% at SumUp and 1.75% at Square, so at £5,000 a month Dojo costs £60.00 against £84.50 and £87.50. The terminal decides it for smaller businesses. Rent one direct and Dojo only beats SumUp above about £3,060 a month (Dojo Wired at £15/month) or £5,100 (Dojo Go Max at £25/month): at £2,000 a month, £24.00 plus £25.00 rental is £49.00 against £33.80 at SumUp. Through MerchantSwitch the terminal is free with no rental, so that crossover does not apply, but Dojo does not publish its minimum monthly payment, so get it in writing. If you would rent the terminal yourself and take under about £3,060 a month on cards, a pay-as-you-go reader is cheaper and you should not switch to Dojo.

What is the lowest rate Dojo offers?

On custom quotes above £100,000 a year we have seen rates as low as 0.29% for high-turnover businesses. Treat that as the floor we have observed, not a rate to expect: it goes to businesses with serious card volume and favourable card mix. Under £100,000 a year the published rate is 1.2% at every volume, so it does not fall as you grow until you cross into custom pricing. If your turnover is above £100,000, say so up front; it is the single biggest lever on the quote.

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