Card fees · Worked example
Dojo card machines vs The Payments Expert
Dojo's 1.2% flat rate looks simple — until your turnover crosses £100k a year. Here is what UK merchants actually pay once volume adds up, compared at Dojo's best advertised tier rather than their worst.
Where the simple rate gets complicated
Below £100,000 a year, Dojo gives you one blended rate across every card type. Above it, you are moved onto negotiated interchange-plus pricing — which can land lower than 1.2%, but is no longer a published number you can hold them to. In other words the simple offer is for smaller merchants, and everyone else negotiates like everyone else always did.
The other half of the cost is the monthly plan fee, roughly £40, which does not appear in the headline percentage at all. On a smaller book that fee is a meaningful share of what you pay.
What changes when you switch
Disclosed pricing at any size
Interchange-plus from the start, with the margin written down — not a blended rate that converts into a negotiation once you cross a turnover line.
A rate fixed for the term
No mid-contract re-price. Interchange changes pass through; our margin does not move for the length of the agreement.
A full Clover EPOS
Stock, staff logins, reporting and table service on the terminal itself, at £1 a month for the first six months.
Why merchants switch
Why merchants move off Dojo
20–40%
Typical saving on card processing
depending on card mix and volume
Same day
Statement comparison turnaround
in writing, free, no obligation
£1/month
Clover Flex for the first 6 months
terminal rental on switching
Dojo vs us, on the same numbers
£8,000 a month in card turnover at a £50 average transaction — 160 transactions. That is comfortably inside Dojo's £100,000-a-year flat-rate band, so this compares against their best advertised rate rather than the negotiated tier above it.
| Provider | Rate structure | Monthly fee | Total monthly cost |
|---|---|---|---|
| Dojo | 1.2% flat (under £100k/yr turnover) | ~£40/mo plan fee | £136.00 |
| The Payments ExpertBest value | 0.45% + 1p/txn | £20/mo terminal | £57.60 |
You could save
Save ~£78 a month — £941 a year
And that is before you factor in what happens above £100k a year in turnover, when Dojo moves you onto negotiated Interchange++ pricing instead of the advertised flat rate.
Dojo's 1.2% flat rate only applies below £100k/year turnover. Growing businesses get moved to custom Interchange++ pricing — ask what rate you will actually pay once you scale, and get it in writing.
Indicative example — your actual rate depends on your card mix. We will calculate your exact numbers free from a statement.
Rate calculator
Run your own numbers
Put your monthly card turnover and average transaction in and see the gap on your figures rather than ours.
Adjust the sliders for your card turnover and Clover Flex monthly terminal price
Indicative interchange+ rates for a Clover Flex on our standard merchant plan. Final pricing is confirmed on your signed agreement.
Free same-day estimate
Send us your last Dojo statement
We will rebuild your cost on interchange-plus and come back the same business day with the two numbers side by side, plan fee included. If Dojo is genuinely cheaper for you, we will tell you that.
Leave your details and we’ll come back the same day. Add last month’s statement too if it’s handy and we’ll make the comparison exact — it’s not required.
Office
+44 1442 899 544Email
hello@thepaymentsexpert.com
Questions from Dojo merchants
- What happens to my Dojo rate if I grow past £100,000 a year?
- You move onto negotiated interchange-plus pricing. That can be cheaper than 1.2% — but it is a negotiation rather than a published rate, and what you end up with depends on how hard you push. Worth asking them for the number in writing before you decide.
- Does the comparison include the monthly plan fee?
- Yes. The table above uses roughly £40 a month for Dojo and £20 for terminal rental on our side, so both totals are the full monthly cost rather than just the percentage.
- I am mid-contract with Dojo. Is it worth talking now?
- Yes — we will tell you what the switch is worth and when your term ends, so you can time it rather than pay an early-exit charge. Plenty of merchants get the comparison done months before they can act on it.
- Do I have to replace my terminal?
- You move onto Clover hardware, which is a full EPOS rather than a card terminal. Rental is £1 a month for the first six months. Dojo terminals are Dojo-only, so they cannot come with you.
- What do you need from me to quote?
- One recent Dojo statement showing your monthly volume, card mix and plan fee. That is enough to build an exact comparison — no site visit needed.
Not sure what you're really paying?
Send us your current statement and we will show you exactly where the markup is hiding — free, no obligation. If Dojo is genuinely cheaper for you, we will tell you that.