Dojo vs Worldpay: Which Card Machine Is Right for Your Business in 2026?

Choosing the right card machine provider can make a real difference to your bottom line. With transaction fees, monthly charges, and contract terms all varying significantly between providers, it pays to do your homework before signing up. Two names that come up again and again for UK businesses are Dojo and Worldpay. Both are well-established, widely used, and offer a range of hardware options, but they suit very different types of business.

In this guide, we compare Dojo and Worldpay head to head across pricing, hardware, contracts, and more, so you can make an informed decision in 2026.

Pricing Comparison

Pricing is often the deciding factor when choosing a card machine provider. Here is how Dojo and Worldpay compare:

Dojo Pricing

Fix plan: £39.99/month covers up to £3,999 of card turnover. Above that threshold, a flat rate of 1% applies. This makes costs predictable for businesses with moderate, consistent card volumes.

Flex plan: Custom and negotiable rates, suited to higher-volume businesses that want a tailored deal.

Worldpay Pricing

For businesses processing under £75,000 per year in card payments, Worldpay charges from 1.5% per transaction with no custom rate option. Businesses processing over £75,000 per year can access custom rates from 0.75% + 4.5p per transaction, but will also pay a monthly service charge from £15 and a PCI compliance fee of £5 per month.

For online payments, Worldpay offers the Simplicity gateway at £19.95/month, or a free eCommerce option at 1.3% + 20p per transaction.

Side-by-Side Pricing Summary

Dojo Fix plan: £39.99/month | 1% flat rate above £3,999 turnover | No PCI fee | No monthly service charge

Worldpay (under £75k/year): From 1.5% per transaction | £5/month PCI fee | No custom rates

Worldpay (over £75k/year): From 0.75% + 4.5p per transaction | £5/month PCI fee | £15+/month service charge

Pricing sources: dojo.tech/pricing and expertmarket.com/uk/merchant-accounts/worldpay-review.

Hardware Comparison

Both providers offer modern, reliable card machines, but the options and costs differ considerably.

Dojo Hardware

Dojo hardware starts from £109 upfront or from £15 per month on a rental basis. Their machines are designed for a range of environments, from countertop use to mobile and on-the-go payments. Dojo integrates with over 450 EPOS systems, making it a strong choice for businesses that need their card machine to connect with their till or stock management software.

Worldpay Hardware

Worldpay offers several card machine models on a rental basis:

• DX4000: from £17.50/month
• DX8000 mobile: from £22.50/month
• Desk 5000: from £22.50/month

Worldpay is currently running a promotional offer of £1/month for the DX4000 and Desk 5000 for the first 12 months, which can represent a significant saving for new customers. After the promotional period, standard rental rates apply.

Worldpay supports over 100 integrations, which is fewer than Dojo but still covers most major EPOS and accounting platforms.

Contract Terms

Contract terms are where the two providers differ most significantly, and this is worth considering carefully before you sign up.

Dojo Contract Terms

Dojo offers both 30-day rolling and 12-month contracts, giving businesses genuine flexibility. If you are switching from another provider and face early termination fees, Dojo will cover cancellation fees of up to £500 on the Fix plan or up to £3,000 on the Flex plan. This makes switching to Dojo relatively low-risk, even if you are mid-contract elsewhere.

Worldpay Contract Terms

Worldpay requires an 18-month minimum contract, which is longer than most competitors. Early termination fees can apply if you leave before the contract ends. This is worth factoring in carefully, particularly for newer businesses or those uncertain about their long-term needs.

Pros and Cons

Dojo

Pros:

• Flexible contract options, including 30-day rolling
• Covers switching fees up to £3,000 (Flex plan)
• Integrates with 450+ EPOS systems
• Next-day payouts as standard (7-day upgrade available)
• Strong Trustpilot rating: 4.3/5 from over 5,355 reviews
• Transparent flat-rate pricing on the Fix plan

Cons:

• Fix plan monthly fee (£39.99) may not suit very low-volume businesses
• Flex plan pricing requires negotiation
• Hardware rental costs can add up over time

Worldpay

Pros:

• Promotional hardware pricing (£1/month for first 12 months)
• 24/7 phone support
• Next-day settlements
• Custom rates available for high-volume merchants (over £75k/year)
• Established brand with wide UK presence
• Online gateway options for multi-channel businesses

Cons:

• 18-month minimum contract
• PCI compliance fee of £5/month adds to overall costs
• Monthly service charge for larger businesses (£15+/month)
• Fewer EPOS integrations than Dojo (100+ vs 450+)
• Transaction rates for smaller businesses (1.5%) can be high

Who Each Provider Is Best For

Dojo is best for:

• Hospitality and retail businesses processing moderate card volumes who want predictable monthly costs
• Businesses switching from another provider who want their cancellation fees covered
• EPOS-heavy operations that need broad integration support
• Businesses that value flexibility and do not want to be locked into a long contract

Worldpay is best for:

• High-volume merchants (over £75k/year) who can negotiate competitive custom rates
• New businesses looking to take advantage of the £1/month promotional hardware deal
• Multi-channel businesses that need both in-person and online payment solutions
• Businesses that prioritise support and want 24/7 phone access

Verdict

Both Dojo and Worldpay are credible, capable card machine providers, but they suit different businesses.

If you are a small to medium-sized UK business looking for transparent pricing, flexible contracts, and broad EPOS compatibility, Dojo is likely the stronger choice. The Fix plan's flat-rate structure is easy to budget for, and the 30-day rolling contract means you are never locked in.

If you are a higher-volume merchant who can negotiate custom rates, or a new business tempted by Worldpay's promotional hardware pricing, Worldpay can be competitive. Just go in with your eyes open about the 18-month contract commitment and the additional monthly fees.

As with any financial decision, it is worth comparing your current costs against what you would actually pay with each provider before making the switch.

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