Dojo vs Evo Payments: which saves you more?
Dojo is the clearer choice for most businesses: predictable published plan pricing (the Fix plan is £39.99 a month covering card turnover up to £3,999 a month, then 1% flat above £4,000, for businesses under £100,000 a year; custom quotes above that, and we have seen quotes as low as 0.29% for high-turnover businesses), next-day settlement against Evo's typical 2 to 3 days, and no setup fee with a 30-day trial against 12-36 month contracts with termination fees. Evo's interchange++ pricing, from 0.5% plus scheme fees, can suit very high, stable card volume with finance resource to manage it.
Rates and contract terms checked 27 August 2026· Based on providers' published pricing
Dojo
- Fix plan
- £39.99/mo
- Settlement
- Next day
- Terminal
- From £179
Evo Payments
- Rate from
- 0.5%++
- Settlement
- 2-3 days
- Terminal
- Leased
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
Feature by feature
Evo often competes on a low headline percentage plus interchange and scheme costs; Dojo leads with a simpler commercial story, faster payouts, and UK-first service. Compare what shows up in your bank account and your calendar, not just the number at the top of a rate sheet.
| Feature | Dojo | Evo Payments |
|---|---|---|
| Card processing cost | Fix plan: £39.99/month covers card turnover up to £3,999/month, then 1% flat above £4,000 (under £100k/year); custom quote above | From 0.5% + scheme fees (interchange++, varies by card type) |
| Pricing model | Published plan pricing by turnover, easier to budget and discuss with your rep | Interchange++, effective cost moves with customer card mix |
| Settlement speed | Next day as standard | Typically 2-3 business days |
| Setup fee | None | Setup fees may apply |
| Terminal | From £179 upfront; free via MerchantSwitch | Terminals typically leased |
| Contract | 30-day trial, then a 12-month price-locked plan | Often 12-36 months; termination fees may apply |
| Support | UK-based support | Support quality can vary by route |
| Trustpilot (indicative) | 4.3 / 5 | 3.0 / 5 |
The takeaway: Evo takes one row - the lowest headline rate, from 0.5% plus scheme fees. Dojo leads on everything that affects day-to-day trading: predictable published plan pricing, next-day settlement against 2-3 days, no setup fee, hardware you own (or get free through MerchantSwitch) against leased kit, shorter contracts, and a 4.3 / 5 Trustpilot score against 3.0 / 5.
Want Evo and Dojo priced at your numbers?
Tell us your monthly card takings and we will quote both, honestly. Free Dojo terminal with no rental if Dojo wins it, and if you are locked into an Evo term, Dojo pays up to £3,000 towards your exit fees when you switch through MerchantSwitch (eligibility confirmed at quote). We respond in under 5 minutes.
Where Dojo wins
- Predictability - a published plan price (£39.99 a month, 1% above £4,000 a month, under £100k a year) you can budget against
- Cash flow - next-day settlement against a typical 2-3 day cycle
- No upfront friction - no setup fee, and the terminal is free through MerchantSwitch
- Contract risk - a 30-day trial then a 12-month price-locked plan, against 12-36 months with termination fees
- Service - UK-based support, 4.3 / 5 Trustpilot against 3.0 / 5
Where Evo wins
- Headline rate - interchange++ from 0.5% plus scheme fees can beat plan pricing at very high, stable volume
- Statement detail - the processor margin is separated out, useful for a finance team tracking card mix
How we calculated this
We take Dojo's and Evo Payments's published or typical advertised rates and apply them to example monthly card volumes. Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with Dojo and Evo Payments before you commit.
Transparency vs lowest headline rate
Evo's interchange++ structure can look attractive on paper because the processor margin is separated from scheme and interchange costs. In practice, many SMEs see their effective rate shift when customers use premium rewards cards, commercial cards, or international cards - and reconciling statements takes more time than a single plan price.
Dojo's published plan pricing (a £39.99 a month Fix plan with a 1% flat rate above £4,000 a month of card turnover under £100,000 a year, custom quotes above) trades some theoretical spreadsheet upside for clarity: the plan price is on the website, custom quotes improve as volume grows, you can forecast cash more simply, and you spend less energy decoding line items. For shops, cafés, salons, and trades without a dedicated finance analyst, that transparency usually matters more than chasing a fraction of a percent on a brochure.
Speed, commitment, and day-to-day support
Next-day settlement with Dojo shortens the gap between a card sale and usable cash versus Evo's typical 2-3 day cycle - meaning less working capital stuck in transit over a busy month. Pair that with no setup fee and hardware you own or pay monthly for versus leased hardware and potential upfront charges on many Evo routes, and Dojo often presents a lower-friction path to go live.
Contract length is another important split: Evo may lock you into 12-36 months with termination fees, while Dojo runs a commitment-free 30-day trial and then a 12-month price-locked plan, with one month's notice once out of the term - helpful if your location, staffing, or sales mix might change. On service, Dojo's 4.3 / 5 Trustpilot profile aligns more strongly with consistent UK support than Evo's 3.0 / 5 average.
The verdict
Choose Dojo if
- You want a clear published plan price you can budget against
- Next-day settlement matters to your cash flow
- You want no setup fee, with the terminal free through MerchantSwitch
- You prefer a 30-day trial and then a 12-month price-locked plan
- You value consistent UK-based support
Choose Evo if
- You run very high, stable card volume where interchange++ can win
- You have finance resource to manage and reconcile statements
- You are comfortable with a 12-36 month term and possible setup fees
- Leased terminals fit your setup
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.