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Dojo vs SumUp: card fees compared

Dojo charges a 1.2% blended rate on all card payments for businesses under £100,000 a year in card turnover. SumUp charges 1.69% on pay-as-you-go. Dojo's rate is lower, but its card machine costs more and it comes with a 12-month contract.

Figures come from each provider's own UK pricing pages, with the date we checked them. For your own takings, use the card machine fees calculator or see every provider on the comparison table.

Dojo and SumUp side by side

	Dojo	SumUp
Plan compared	Blended rate (under £100,000 a year)	Pay-as-you-go
Monthly fee	£0.00	£0.00
In-person rate	1.2%	1.69%
Online / payment links	Quote only	2.5%
Amex / commercial cards	Same as standard rate	Same as standard rate
Reader (buy, ex VAT)	£179.00	£25.00
Contract	12 months	None
Payouts	1 working day	1 working day
Prices checked	19 October 2026	19 October 2026

Figures marked * are not confirmed on the provider's own pages; check them with the provider.

What each would cost: worked examples

Estimated cost for three example businesses taking all payments in person, using the published rates above. The first-year figure includes the reader.

Example business	Dojo per month	SumUp per month	Dojo first year	SumUp first year	Cheaper in year one
Low: £800/month, £15 average sale	£9.60	£13.52	£294.20	£187.24	SumUp
Medium: £3,000/month, £20 average sale	£36.00	£50.70	£611.00	£633.40	Dojo
Higher: £12,000/month, £35 average sale	£144.00	£202.80	£1,907.00	£2,458.60	Dojo

Verdict: Dojo or SumUp?

With an average sale of £20, Dojo's lower rate covers its dearer machine (£179 for Dojo Wired against £25 for the Solo Lite) once you take more than about £2,619 a month, so it suits busy counters, cafés and restaurants. If the 5p secure transaction fee in Dojo's FAQ applies to your plan, that point rises to about £5,347 a month. Below that, or if your takings are seasonal, SumUp's no-contract, no-monthly-fee setup is cheaper and more flexible.

Choose Dojo if

You take a steady £3,000+ a month on cards and want the lower rate
You want a counter or portable terminal with fast next-day settlement
You take lots of Amex or premium cards, which the blended rate covers

Choose SumUp if

Your takings are low, seasonal or unpredictable
You want no contract and the cheapest reader
You sell online too: SumUp publishes 2.5%, while Dojo quotes its online rates

For the full breakdown of each provider, including what to check before signing, see Dojo card machine fees and SumUp card machine fees.

Check current prices on Dojo's website and SumUp's website.

More head-to-head comparisons

Frequently asked questions

Is Dojo cheaper than SumUp?

On rate, yes: 1.2% against 1.69%. But Dojo Wired costs £179 against £25 for SumUp's Solo Lite, so on a £20 average sale Dojo is only cheaper over the first year above about £2,619 a month in card takings.

Does Dojo have a contract and SumUp not?

Yes. Dojo's FAQ says contracts are 12 months and then monthly rolling for businesses under £1m card turnover. SumUp's pay-as-you-go has no contract.

Does Dojo charge a transaction fee as well as 1.2%?

Dojo's pricing page calls the 1.2% all-in, but its FAQ lists a secure transaction (authorisation) fee of £0.05. Ask Dojo to confirm which fees apply before you sign.

Sources and last checked

Dojo UK pricing — checked 19 October 2026
Dojo: online payments — checked 19 October 2026
Dojo: FAQs — checked 19 October 2026
SumUp UK pricing — checked 19 October 2026
SumUp: card readers — checked 19 October 2026
SumUp: pricing fees — checked 19 October 2026

Last reviewed 19 October 2026 by Oliver Burton. Editorial policy.