Dojo vs Worldpay UK 2026: Pricing, Terminals & Which to Choose

Dojo and Worldpay are two of the UK’s most established card machine providers for small and mid-sized businesses. Both offer traditional terminals with contracts, but their pricing models are fundamentally different. Dojo uses a single blended rate with no plan fee. Worldpay uses per-transaction rates plus a monthly charge.

Dojo charges a flat 1.2% blended rate on every card transaction for businesses under £100,000 a year in card turnover, with no monthly plan fee. Worldpay’s Simplicity Plan charges a flat 1.50% per transaction plus £17.50/month. On published rates Dojo is cheaper at every volume we model below – but its published rate stops at £100,000 a year, where both providers move to bespoke quotes.

We verified Dojo’s pricing from dojo.tech in August 2026 and Worldpay’s from worldpay.com in February 2026. Worldpay publishes “from” rates that vary by business type and volume – we note where exact figures aren’t publicly available.

Quick Comparison

Dojo charges 1.2% blended on all cards below £100,000 a year in turnover, with no plan fee. Worldpay’s Simplicity tariff is a flat 1.50% per transaction plus £17.50/month. Dojo has transparent pricing; Worldpay’s rates are negotiable and vary by business.

Pricing: How the Maths Works

Dojo charges 1.2% blended with no plan fee, subject to a £24.95 published minimum monthly charge. Worldpay’s Simplicity Plan charges a flat 1.50% per transaction plus a £17.50 monthly fee. Because Dojo’s rate is lower and carries no plan fee, it comes out cheaper at every volume below its £100,000-a-year threshold.

Important caveat: Worldpay’s Simplicity rate is a flat 1.50%, while its higher-volume custom tariffs are quote-based; your actual rate depends on your business type, turnover, and risk profile. Many small businesses report being quoted 1.0-1.5% in practice. At 1.25%, Worldpay’s cost at £2,000/month would be ~£42.50 – still above Dojo’s £24.95. Dojo’s own figures assume the published 1.2% rate plus its £24.95 minimum monthly charge, and exclude the per-transaction secure and refund fees itemised further down.

Dojo’s model is simple to budget for: 1.2% of whatever you take, with no plan fee and no card-type surcharge, so premium and corporate cards cost the same as standard debit. The trade-offs are the £24.95 minimum monthly charge at very low volumes and the separate per-transaction fees listed below.

Worldpay’s model only really competes at the top end, where a negotiated tariff can beat any published rate. Below £100,000 a year, Dojo’s 1.2% undercuts Simplicity’s 1.50% plus £17.50 at every volume – the monthly charge alone is most of the gap at low turnover.

On published rates, Dojo is cheaper across the whole range we model. Above £100,000 a year in card turnover – roughly £8,333/month – Dojo stops publishing and both providers quote bespoke, so that is the point to get competing written quotes.

Hardware and Terminals

Dojo sells four terminal options from £149, including Tap to Pay on iPhone at no hardware cost. Worldpay provides terminals but doesn’t publicly list models or prices – you’ll need to request a quote.

Dojo’s hardware transparency is a clear advantage. You can see exactly what each terminal costs on their website, order it, and have it delivered. Worldpay’s approach – “contact us for pricing” – is typical of legacy payment providers but frustrating for small businesses who want to compare before calling a sales team.

Dojo’s Tap to Pay on iPhone is a genuine differentiator for micro-businesses. A mobile hairdresser, personal trainer, or market trader can start accepting card payments with zero hardware cost – just their iPhone and the Dojo app.

Worldpay’s terminal range exists and is widely deployed across UK businesses, but the lack of public pricing makes direct comparison impossible. If you’re considering Worldpay, request a written quote that itemises terminal costs separately from transaction fees.

Additional Fees

Dojo publishes its full fee schedule. Worldpay’s additional fees are largely unpublished. This transparency gap is one of the biggest practical differences between the two providers.

Dojo’s 5p secure transaction fee applies on top of the blended rate – at 200 transactions/month, that’s £10 extra. The £24.95 minimum monthly charge means you’ll pay at least this amount even if you process nothing. These fees are clearly documented on Dojo’s website, which is commendable even if the total cost lands above what the headline 1.2% suggests.

Worldpay’s undisclosed fee structure is the bigger risk. Legacy payment providers have historically charged PCI fees, statement fees, authorisation fees, and early termination fees that aren’t visible until the first statement arrives. Always request a complete fee schedule in writing before signing.

Settlement and Payouts

Dojo offers next-day settlement including weekends and bank holidays – a genuine advantage for cash-flow-sensitive businesses. Worldpay settles on the next working day, meaning Friday’s takings don’t arrive until Monday.

For weekend-heavy businesses – restaurants, pubs, retail shops – Dojo’s weekend payouts are meaningful. Saturday’s card sales land in your account on Sunday. With Worldpay, Saturday and Sunday’s sales arrive together on Monday or Tuesday.

On a typical weekend where a restaurant takes £3,000 in card payments, the difference between getting that money Sunday morning versus Tuesday morning changes your cash position by 2-3 days. Over a year, that’s roughly 100 days of earlier access to your own money.

Contracts and Switching

Dojo offers a 12-month fixed plan or a 30-day rolling option. Worldpay’s contracts are typically 12-18 months. Both charge early termination fees, but Dojo actively helps you switch by covering your existing provider’s exit fees.

Dojo’s switch incentive is aggressive: contract buyout of up to £3,000 towards your existing provider’s exit fees. If you’re locked into a Worldpay contract with termination fees, Dojo will cover that cost to win your business.

Worldpay doesn’t publicly offer exit fee coverage. If you’re switching away from Worldpay, check your contract for the exact early termination amount – and factor Dojo’s reimbursement into your decision.

Dojo also gives the first month free on its Plus software tier, and its 30-day rolling option means you can leave without a long commitment. Worldpay doesn’t advertise an equivalent trial period.

Dojo covers up to £3,000 in exit fees from your current provider. Worldpay doesn’t offer equivalent switching incentives. If you’re locked into an existing contract, this can significantly reduce the cost of moving to Dojo.

Service and Support

Dojo provides UK-based support on all plans, with analytics and pre-authorisation tools on the Plus tier (£11.99/month). Worldpay offers support but doesn’t publicly detail its service tiers for small businesses.

Dojo’s service is split into two tiers. The Essential plan (free) covers core payment features, basic connectivity, and UK-based phone support. The Plus plan (£11.99/month per location) adds analytics dashboards, pre-authorisation for hospitality, bill-splitting, custom tipping, and multi-user access up to 20 staff.

Worldpay’s customer service reputation has been mixed historically. As one of the UK’s largest payment processors (formerly part of FIS, now independent again), its support infrastructure serves millions of merchants – which can mean longer wait times and less personalised service for small businesses.

Dojo’s advantage here is being a newer, more focused company. With more than 100,000 UK businesses on its books (compared to Worldpay’s millions), support tends to be faster and more attentive. The Plus plan’s analytics – seeing your busiest hours, average transaction values, and card type breakdowns – adds genuine operational value.

Dojo vs Worldpay: Strengths Compared

Dojo wins on pricing transparency, settlement speed, and switching incentives. Worldpay wins on brand recognition, potentially lower rates at high volumes, and the flexibility of custom plans for established businesses.

Our Verdict

For most UK small businesses processing under £10,000/month in card sales, Dojo is the safer choice. Transparent pricing, weekend payouts, and switch fee coverage give you more control and fewer surprises than Worldpay’s opaque quoting process.

Choose Dojo if you want to know exactly what you’ll pay before signing anything. The 1.2% blended rate is ideal for businesses under £8,333/month in card sales – you get a published rate, modern terminals, next-day settlement (including weekends), and a company that will cover up to £3,000 of your exit fees to switch.

Choose Worldpay if you process over £100,000/year and want to negotiate a bespoke rate. Worldpay’s custom tariffs can undercut Dojo on per-transaction costs at high volumes, and the brand’s longevity (20+ years processing UK payments) carries weight with some business owners. Just insist on a complete written fee schedule before committing.

The deciding factor is often transparency vs negotiation. Dojo publishes everything; Worldpay requires a conversation. If you’d rather compare prices on a website than negotiate with a sales rep, Dojo fits that preference. If you’re comfortable negotiating and have the volume to justify custom terms, Worldpay may deliver a lower rate.

Other options to consider: SumUp vs Square if you want no-contract, pay-as-you-go alternatives. Our card machines comparison covers 10+ UK providers, and the transaction fees data study shows exactly what each provider charges at real business volumes.

Emma Clarke

Technology & Payments Specialist

Emma covers the full range of business technology, including EPOS systems, merchant accounts, telecoms, and web tools. Her experience as a retail systems consultant helps businesses choose the right digital solutions to improve efficiency and sales.

Reviewed by

Sarah Mitchell

B2B Commerce & Finance Reviewer