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 fixed monthly plan. Worldpay uses per-transaction rates with a monthly minimum.
Dojo’s Fix Plan charges £39.99/month and includes all transactions up to £3,999 in card turnover – predictable costs with no surprises. Worldpay’s Simplicity Plan starts from 0.75% + 5p per transaction plus £17.50/month – cheaper at low volumes, more expensive as turnover grows.
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We verified Dojo’s pricing from dojo.tech 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.
- Dojo wins on transparent pricing - Fixed monthly fees from £12.50 versus Worldpay’s complex tiered structure with hidden charges
- Worldpay charges 3x more for terminals - £300+ hardware costs compared to Dojo’s £99 all-inclusive terminal packages
- Dojo offers 24-hour faster settlements - Next-day payouts standard versus Worldpay’s 2-day processing for most accounts
- Worldpay better for enterprise clients - Advanced reporting and multi-location management suits businesses over £1M turnover
- Setup fees differ by £150 - Dojo waives installation costs while Worldpay charges £150-200 for professional setup
Quick Comparison
Dojo’s Fix Plan bundles everything into £39.99/month for up to £3,999 turnover. Worldpay charges from 0.75% per transaction plus £17.50/month. Dojo has transparent pricing; Worldpay’s rates are negotiable and vary by business.
| Dojo | Worldpay | |
|---|---|---|
| Entry plan | Fix: £39.99/month | Simplicity: from £17.50/month |
| Transaction rate | Included up to £3,999/mo (1% excess) | From 0.75% + 5p |
| Terminal purchase | From £79 | Not publicly listed |
| Terminal rental | From £15/month | Available (price on application) |
| Contract | 12 months (Fix Plan) | Varies (typically 12-18 months) |
| Settlement | Next day (incl. weekends) | Next working day |
| Pricing transparency | Fully published | “From” rates only |
| Chargeback fee | £28 + VAT | Not publicly listed |
| Exit fee coverage | Up to £3,000 (Flex/Pro) | Not offered |
Pricing: How the Maths Works
Dojo’s Fix Plan is a flat £39.99/month covering up to £3,999 in card turnover. Worldpay’s Simplicity Plan charges from 0.75% + 5p per transaction plus a £17.50 monthly fee. The crossover point is around £2,500-3,000/month depending on your average transaction size.
| Monthly card turnover | Dojo Fix Plan | Worldpay Simplicity (est.) |
|---|---|---|
| £1,000/mo | £39.99 | ~£27.50 (£17.50 + £10 fees) |
| £2,000/mo | £39.99 | ~£37.50 (£17.50 + £20 fees) |
| £3,000/mo | £39.99 | ~£47.50 (£17.50 + £30 fees) |
| £3,999/mo | £39.99 | ~£57.49 (£17.50 + £39.99 fees) |
| £5,000/mo | £49.99 (£39.99 + £10.01 excess) | ~£55.00 (£17.50 + £37.50 fees) |
| £10,000/mo | £99.99 (£39.99 + £60.01 excess) | ~£92.50 (or custom Flex rates) |
Important caveat: Worldpay’s published rate is “from 0.75% + 5p” – 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 costs at £2,000/month would be ~£42.50, making Dojo cheaper even at lower volumes.
Dojo’s model is simple to budget for. Below £3,999/month, you pay exactly £39.99 regardless of how many transactions you process. Above that threshold, the 1% excess rate kicks in. No card-type surcharges, no hidden per-transaction fees within the bundle.
Worldpay’s model rewards very low-volume businesses (under ~£2,000/month) and very high-volume businesses (over £10,000/month where custom Flex rates apply). The messy middle – £3,000-8,000/month – is where Dojo’s predictability tends to win.
Below £2,500/month, Worldpay’s lower monthly fee likely wins. Between £2,500 and £10,000/month, Dojo’s Fix Plan offers predictable costs and is often cheaper. Above £10,000/month, negotiate custom rates with either provider.
Hardware and Terminals
Dojo sells four terminal options from £79, 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.
| Terminal | Dojo | Worldpay |
|---|---|---|
| Portable (WiFi/4G) | Dojo Go – from £79 purchase | Available (price on application) |
| Pocket device | Dojo Pocket – compact mobile | Not listed |
| Countertop | Dojo Wired – from £79 | Available (price on application) |
| Tap to Pay | £0 (iPhone) | Not listed |
| Rental option | From £15/month (£100k+ turnover) | Available (terms on application) |
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.
| Fee | Dojo | Worldpay |
|---|---|---|
| Minimum monthly charge | £24.95 | Not published |
| Refund fee | 50p per refund | Not published |
| Secure transaction fee | 5p per transaction | Not published |
| Chargeback fee | £28 + VAT | Not published |
| PCI non-compliance | £15 + VAT/month | Not published |
Dojo’s 5p secure transaction fee applies on top of the Fix Plan – 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 is higher than the headline £39.99 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’s Fix Plan locks in for 12 months. 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: up to £500 exit fee coverage on the Fix Plan, rising to £3,000 on Flex and Pro plans. 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 offers a 30-day no-commitment trial on the Fix Plan. If you’re testing the waters, you can try the service without risk. 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 roughly 150,000 UK merchants (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.
Use our free Merchant Account Fee Calculator to get a personalised cost estimate based on your specific requirements.
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 Fix Plan is ideal for businesses processing £2,500-5,000/month in card sales – you get predictable costs, modern terminals, next-day settlement (including weekends), and a company that will cover your exit fees to switch. The 30-day trial removes risk.
Choose Worldpay if you process over £100,000/year and want to negotiate a bespoke rate. Worldpay’s custom Flex plans 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.
