Dojo vs Square: which saves you more?
Dojo is cheaper above roughly £2,290 a month in card sales. Its Fix plan (for businesses under £100,000 a year in card turnover) is £39.99 a month, covering card turnover up to £3,999 a month, then a 1% flat rate above £4,000: at £5,000 a month that is £49.99 against Square's £87.50 at 1.75%, about £450 a year saved. Above £100,000 a year Dojo quotes a custom rate per business, and we have seen quotes as low as 0.29% for high-turnover businesses. Square wins if you take under roughly £2,300 a month or need its free EPOS and online integrations.
Rates and contract terms checked 27 August 2026· Based on providers' published pricing
Dojo
- Fix plan
- £39.99/mo
- Over £4k/mo
- 1% flat
- Hardware
- From £179
Square
- Transaction
- 1.75%
- Monthly
- £0
- Hardware
- £249
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.
Total monthly cost at your card volume
Transaction fees plus monthly costs. Square is worked from its published 1.75% rate; Dojo from the Fix plan: £39.99 a month, then 1% of card turnover above £4,000 a month. Fix runs up to £100,000 a year (about £8,300 a month); above that Dojo quotes a custom rate, so the higher rows show a conservative 1% benchmark rather than a price you are promised. Check the maths yourself.
| Monthly turnover | Dojo | Square | Dojo saves |
|---|---|---|---|
| £2,500 | £39.99/mo (Fix) | £43.75/mo | ~£45/year |
| £5,000 | £49.99/mo (Fix) | £87.50/mo | £450/year |
| £8,000 | £79.99/mo (Fix) | £140/mo | £720/year |
| £10,000 | Custom quote; ~£100/mo at a 1% benchmark | £175/mo | ~£900/year at 1% |
| £30,000 | Custom quote; ~£300/mo at a 1% benchmark | £525/mo | ~£2,700/year at 1% |
The takeaway: Dojo wins on total cost at every volume in the table, from about £45 to £720 a year on the Fix plan, and more on a custom quote at higher volumes. The trade is Square's £0 monthly cost, which pays off below roughly £2,290 a month (£39.99 divided by 1.75%): at £2,000 a month Square costs £35 against Dojo's £39.99, so stay put. The Dojo terminal is bought upfront from £179, or free through MerchantSwitch, so no rental sits in these sums.
Want Square and Dojo priced at your numbers?
Tell us your monthly card takings and we will quote both, honestly, plus other UK providers. Free Dojo terminal with no rental if Dojo wins it. We respond in under 5 minutes.
Feature by feature
| Feature | Dojo | Square |
|---|---|---|
| Pricing | 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 | 1.75% flat |
| Monthly cost | £39.99 on the Fix plan (platform fee and Amex included) | £0 |
| Hardware cost | From £179 upfront; free through MerchantSwitch | £249 upfront |
| Settlement speed | Next day | Next day |
| Contract | 30-day trial, then a 12-month price-locked plan | No contract |
| UK support | 24/7 phone | Email + chat |
| Setup time | Next day | Same day |
| Free EPOS | Basic | Full system |
| Online payments | Available | Integrated |
Where Dojo wins
- Total cost - about £45 to £720 a year cheaper at the Fix plan volumes above, more on a custom quote
- Hardware - from £179 upfront, and free through MerchantSwitch
- Effective rate at volume - the Fix plan works out at 1.0% at £5,000 a month vs Square's flat 1.75%
- Support - 24/7 UK phone support
Where Square wins
- No monthly fee - cheaper under roughly £2,290/month, where Dojo's £39.99 outweighs the rate gap
- Free EPOS - full point-of-sale system included
- Online integration - stronger for omnichannel retail
- App ecosystem - works with 100+ business apps
How we calculated this
We take Dojo's and Square's published or typical advertised rates and apply them to example monthly card volumes (£5,000 to £30,000 a month). 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 Square before you commit.
The verdict
Choose Dojo if
- You take roughly £2,300 or more a month on cards
- Total cost matters more than a free EPOS
- You want a free terminal through MerchantSwitch rather than buying one
- You want UK phone support around the clock
- You mainly sell in person
Choose Square if
- You take under roughly £2,300 a month on cards
- You need a full free EPOS system
- You sell online and in person equally
- You rely on app integrations
- You can pay £249 upfront for the reader
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.