Dojo vs Evo Payments
UK card machine comparison: blended, negotiable pricing versus interchange++ quotes, settlement speed, contract risk, and support—so you can pick what actually works for cash flow and day-to-day operations.
Quick Verdict
We recommend Dojo for most UK businesses that want pricing transparency and faster access to funds. You get a clear headline rate you can negotiate (from 1.4%), next-day settlement as standard, no setup fee, 12-month or rolling contracts, a free terminal, UK-based support, and a 4.7/5 Trustpilot score.
Evo Payments may advertise from 0.5% plus scheme fees under interchange++ pricing, which can suit very high, stable card volume with finance resource to manage statements—but settlement is typically slower (2–3 days), setup fees may apply, contracts often run 12–36 months with termination fees, terminals are usually leased, support can vary by channel, and Trustpilot sits around 3.0/5. For predictable admin and speed to bank, Dojo is the clearer choice.
At a glance
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. Use the table below to compare what shows up in your bank account and your calendar—not just the number at the top of a rate sheet.
| Feature | Evo Payments | Dojo |
|---|---|---|
| Card processing rate | From 0.5% + scheme fees (interchange++ — varies by card type) | From 1.4% (negotiable) |
| Pricing model | Interchange++ — effective cost moves with customer card mix | Blended headline rate — easier to budget and discuss with your rep |
| Settlement speed | Typically 2–3 business days | Next-day settlement standard |
| Setup fee | Setup fees may apply | No setup fee |
| Terminal | Terminals typically leased | Free terminal |
| Contract | Often 12–36 months; termination fees may apply | 12-month or rolling options |
| Support | Support quality can vary by route | UK-based support |
| Trustpilot (indicative) | 3.0/5 | 4.7/5 |
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 blended percentage.
Dojo's negotiable rate from 1.4% trades some theoretical spreadsheet upside for clarity: you can negotiate as volume grows, forecast cash more simply, and 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 settlementwith 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 a free terminal 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 offers 12-month or rollingterms—helpful if your location, staffing, or sales mix might change. On service, Dojo's 4.7/5 Trustpilotprofile aligns more strongly with consistent UK support than Evo's 3.0/5 average.
Why businesses choose Dojo
Teams that prioritise clear pricing conversations, faster settlement, and UK-based support during busy service hours tend to favour Dojo over interchange-heavy programmes that look cheap until the statement arrives.
Our recommendation: unless you run very high, stable card volume with in-house resource to optimise interchange++, Dojo is the better fit for most UK SMEs—more transparent costs, quicker payouts, and stronger day-to-day service signals.
See your numbers side by side
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