Dojo fees UK 2026: what you actually pay

Dojo does not publish one rate. It quotes each business individually, and the fee schedule that fixes the smaller charges arrives with the quote. What can be said with confidence from Dojo's terms and from review sites checked in August 2026: expect a percentage of card turnover (review sites report 1.2% blended or a £39.99 fixed plan for smaller businesses), a £24.95 minimum monthly charge, 50p per refund, £28 plus VAT per chargeback, and a monthly hardware rental of £15 to £25 if you do not buy the terminal outright.

Figures last verified August 2026. Dojo's own pricing page, read in a browser in August 2026, lists 1.2% for businesses under £100,000 a year. The other headline figures here are what review sites report Dojo has advertised, and they conflict with one another. What Dojo costs through CapExpand is set out further down. The full Dojo review covers hardware, contract and who it does not suit; this page is just the money.

Every Dojo fee in one table

Dojo's terms describe the PCI management fee as included in the secure transaction fee, so it is not a separate line unless you fall out of compliance.

The two advertised structures, and why they differ

mobiletransaction.org, in reviews dated June 2025 and June 2026, describes a "Fix" plan: £39.99 a month covers card turnover up to £3,999 a month, and anything above that is charged at 1%. Three other sites (seamlesspos.co.uk, businessexpert.co.uk and merchanthq.co.uk, all August 2026) describe a 1.2% blended rate across all cards for businesses under £100,000 a year, plus a 5p secure transaction fee per payment, and give the worked example of 0.7% debit plus 0.5% non-qualifying making up the 1.2%.

The likeliest explanation is that Dojo has advertised both at different times, or offers both and the quote decides which you get. Either way, neither is a promise. For higher card volumes a quote is often the lower option, and the only way to know is to compare the quote against your current statement.

What Dojo costs through CapExpand

CapExpand is an authorised Dojo partner, so this part is our own offer rather than a review-site report. For businesses under £100,000 a year in card turnover, Dojo's plan through CapExpand is 1.2% of each transaction with all fees included: no separate authorisation fee, no monthly charge, no PCI fee. Dojo's own pricing page lists 1.2% for that turnover band (checked August 2026). The 5p secure transaction fee that review sites report does not apply on this plan through CapExpand. The terminal is bought or rented separately and is priced on the same written quote.

For businesses taking more than £30,000 a month in card payments, CapExpand offers the terminal free for the life of your agreement, subject to approval: transaction fees only, no terminal rental. Rates at that volume are quoted individually, so there is no figure to print here.

Both offers are subject to Dojo's approval of the business and are confirmed in writing before you sign; the written quote is the document that applies. The worked table below uses the review-site structure, including the 5p, so that it can be compared like for like with what other sites publish. For the effect of a pence fee on small sales, see card machines with no authorisation fees.

Worked comparison at four turnover levels

This is arithmetic on advertised figures, not a quote. The Dojo columns use the two review-site structures above; the SumUp and Square columns use their published in-person rates (1.69% and 1.75%, checked August 2026). Hardware, software tiers and the per-refund and chargeback fees are left out of every column.

Two things stand out. Below about £2,000 a month a flat-rate reader with no monthly fee costs less, and there is nothing to cancel. From the low thousands upward the advertised Dojo structures pull ahead, and the gap widens with turnover. The 5p secure transaction fee matters if your average sale is small: 500 payments a month adds £25, which on £3,000 of turnover is nearly another 1%. Our authorisation fee explainer covers that effect in more depth.

Hardware: buy or rent

Four review sites agree on these prices as of August 2026: Dojo Go Max £149 to buy or £25 a month; Dojo Pocket £239 or £20 a month; Dojo Wired £179 or £15 a month; Tap to Pay on iPhone free. Renting the Go Max for a 12-month term comes to £300, so buying is cheaper from month seven if you expect to keep it. The review sites do not say whether those prices include VAT, so check the quote. More on the trade-off in rental vs purchase.

When a Dojo quote will not save you money

• Card sales under about £1,500 a month. The £24.95 minimum charge alone exceeds what SumUp or Square would take in fees.
• Seasonal trading with quiet months. The minimum monthly charge applies in months you take little or nothing. A no-monthly-fee reader costs nothing when idle.
• High refund or chargeback rates. At 50p and £28 plus VAT respectively, a business that refunds often should put those lines into the comparison.
• You are inside another minimum term. Dojo may reimburse an exit fee up to £3,000, but only with evidence within four months and only if it agrees. Do the sums on leaving a contract early first.

How to test a Dojo quote against your statement

Take one recent monthly statement. Add every line: percentage fees, authorisation or per-transaction fees, terminal rental, PCI, minimum charges. Divide the total by that month's card turnover. That is your effective rate. Then do the same with the Dojo quote, including the 5p per payment if it is on there, the minimum charge, and rental if you are renting. Compare the two totals in pounds, not the headline percentages. The fee comparison calculator does the flat-rate side for you, and this guide explains what each statement line means.

Common questions