How long does Dojo take to pay out?
The contractual answer from Dojo's terms, what review sites report in practice, and how it lines up against SumUp.
Dojo's terms commit it to transferring your money by the end of the business day after a card transaction is processed, and in any case no later than the end of the third business day. A business day excludes Saturdays, Sundays and bank holidays, so a Friday sale is contractually due by the end of Monday. Review sites report that in practice Dojo settles next day including weekends, though the exact hour varies between sources and weekend settlement may be a paid extra after the first year.
CapExpand is an authorised Dojo partner. The contractual figures here are from Dojo's terms and conditions, version 1.6; the in-practice figures are from named review sites and are marked as such. Last verified August 2026.
What the contract commits to, day by day
Because the promise is framed in business days, the calendar matters more than the clock. The table applies Dojo's definition to a few common cases.
| Transaction taken | Due by end of (next business day) | Latest under contract (third business day) |
|---|---|---|
| Monday | Tuesday | Thursday |
| Friday | Monday | Wednesday |
| Saturday | Monday | Wednesday |
| Day before a bank-holiday Monday | Tuesday | Thursday |
The third-business-day limit is a backstop, not the norm. It is what Dojo can point to if a transfer is delayed; it is not what review sites report happening routinely.
What review sites report in practice
mobiletransaction.org (Dojo vs SumUp, June 2026) states that Dojo settles next day including weekends and bank holidays. businessexpert.co.uk (August 2026) adds the qualifier that weekend and bank-holiday settlement is included in year one on qualifying contracts and becomes a paid upgrade after that. If seven-day settlement matters to your cash flow, that clause is worth finding on your own quote before you rely on it.
On the time of day the sources do not agree: from 10am (mobiletransaction.org), by 11am (merchanthq.co.uk), by 7am the next business day (comparecardfees.co.uk). We print none of them as fact. The honest summary is "during the following morning", and the contract only commits to the end of that day. The Dojo app shows transfer statuses in real time, which settles the question for any given batch faster than a support call.
What to check on a Dojo quote
- Weekend settlement after year one. businessexpert.co.uk reports it is included in year one on qualifying contracts and a paid upgrade after that. If Friday to Sunday is most of your takings, ask what the upgrade costs and whether your contract qualifies.
- The nominated account. Dojo's terms pay settlement into a nominated account; review sites describe this as a UK business bank account. Have the details ready at application.
- The backstop wording. The general terms commit to the end of the next business day and no later than the third. If a sales call quotes an hour, ask for it in writing, because the hour is not in the general terms.
Settlement speed does not change the fee. Funds arrive at whatever rate the quote sets, and Dojo quotes each business individually. A business with substantial card takings is the one most likely to see a quote come in below its current fees; the statement shows whether yours does.
Dojo vs SumUp vs Square on payout speed
| Provider | Stated commitment | Weekends |
|---|---|---|
| Dojo | End of the next business day; no later than the third (contract) | Reported next day incl. weekends; year one on qualifying contracts, paid upgrade after |
| SumUp | Next day at 7am, including weekends and bank holidays, into the SumUp Business Account (published) | As published |
| Square | Check squareup.com; not verified for this page | Not verified |
SumUp publishes the more specific promise: next day at 7am, every day, into its own business account (sumup.com, checked August 2026). Dojo's published commitment is the end of the next business day, with seven-day settlement reported but not written into the general terms. For a pub or restaurant that trades hardest Friday to Sunday, the weekend question is the one to ask, and it is answered by your contract, not by this page. Square's schedule is published on squareup.com and we have not verified it here. The wider comparison is at Dojo vs SumUp and Dojo vs Square, and the cash-flow argument for fast settlement is in why next-day payouts matter.
When payout speed should not decide it
- Your card takings are small. A day's difference on a few hundred pounds is not worth a contract. Compare fees first on the fee comparison.
- You need the money the same day. No provider we checked promises same-day settlement as standard. If a quote offers it, get the terms in writing.
- The real problem is a cash-flow gap, not payout timing. A day faster does not fix a structural shortfall. Our cash-flow problems page sets out the options businesses commonly look at; we are an introducer, not a lender, and that page is information rather than advice.
Common questions
Does Dojo pay out on weekends?
Not under the contract. Dojo's terms define a business day as excluding Saturdays, Sundays and bank holidays, and the settlement promise is by the end of the next business day. Review sites report that Dojo does settle next day including weekends in practice, with businessexpert.co.uk noting that weekend and bank-holiday settlement is included in year one on qualifying contracts and is a paid upgrade afterwards. Ask for the position on your own quote.
What time does Dojo pay out?
The contract only fixes the day, not the hour. Review sites disagree on the time: mobiletransaction.org says from 10am, merchanthq.co.uk says by 11am, and comparecardfees.co.uk says by 7am the next business day. Expect the money during the following morning and treat any specific hour as unverified.
Why has my Dojo payout not arrived?
The contract allows up to the end of the third business day, so a transfer that has not landed the next morning is not yet late. A Friday transaction, for example, has a next business day of Monday. The Dojo app shows transfer statuses in real time, which is the quickest way to see where a batch is.
Is Dojo faster than SumUp?
On paper SumUp is more specific: it advertises payouts next day at 7am, including weekends and bank holidays, into its own SumUp Business Account. Dojo's contractual commitment is the end of the next business day, with review sites reporting next-day settlement including weekends in practice. The practical difference for most businesses is small; the contractual difference is that SumUp's weekend promise is published and Dojo's is not.
What counts as a business day for Dojo settlement?
Dojo's terms define a business day as excluding Saturdays, Sundays and bank holidays. So a transaction taken on Saturday has a next business day of Monday, and one taken the Friday before a bank-holiday weekend is contractually due by the end of the Tuesday. Review sites report faster settlement than that in practice, but the contract is what you can hold Dojo to.
Get the weekend settlement terms confirmed on a real quote
Tell us your turnover and trading pattern. We'll come back with a Dojo quote that states the settlement terms in writing, next to what you pay now.
CapExpand is an authorised Dojo partner and is paid by Dojo when a business signs up through us. That does not change the price you pay.
Sources
- Dojo terms and conditions v1.6 (PDF) - Section B condition 2 and glossary: settlement timing and business-day definition; checked August 2026
- mobiletransaction.org Dojo vs SumUp and Dojo review - next day incl. weekends, from 10am; checked August 2026
- businessexpert.co.uk Dojo review - weekend settlement in year one, paid upgrade after; checked August 2026
- merchanthq.co.uk and comparecardfees.co.uk - conflicting payout times (11am, 7am); checked August 2026
- SumUp UK - next day at 7am including weekends and bank holidays; checked August 2026
- Dojo Sidekick on the App Store - real-time transfer statuses; checked August 2026