Dojo vs Clover
2026 ComparisonClover hardware looks fantastic. The Station Duo with its dual screens is genuinely impressive kit. But every time a business owner shows me their Clover quote, the same question comes up: why is it so hard to get a straight answer on total cost? Clover is sold through resellers in the UK, and pricing varies wildly.
Clover is sold through UK resellers, and pricing varies depending on which reseller you speak to. Getting a final quote can take time, and total costs are often unclear until you receive the contract. By comparison, Dojo publishes its pricing and businesses can typically be set up within 24 hours. Dojo also includes features like QR code payments and Google Reviews prompts as standard.
Quick Verdict
Clover has flashy hardware, but Dojo is simpler, offers bespoke rates tailored to your card volume that are typically lower than Clover's 1.49%, and you will actually know what you are paying before you sign anything. Clover quotes come through resellers and can vary wildly. For the vast majority of UK businesses that need reliable card payments, Dojo is the better deal without the complexity or pricing surprises.
How We Compare
8 providers reviewed | Last updated April 2026
CapExpand is an authorised Dojo partner. Comparisons are based on publicly available pricing and our experience working with UK businesses. We aim to be transparent about where Dojo excels and where other providers may suit different needs.
See What You Would Save
Drag the slider to your monthly card turnover
Clover
£159/mo
1.49% flat
Dojo via CapExpand
£105/mo
Bespoke rates tailored to your volume
Your estimated saving
£648/year
That is £54 back in your pocket every month
Estimated cost based on bespoke rates available through CapExpand. Your actual rate depends on your card volume, card mix, and business type. Get a personalised quote to see your exact cost.
What You Are Really Paying
A headline transaction rate does not tell the full story. Here is what most providers do not show you upfront.
| Hidden cost | Clover | Dojo via CapExpand |
|---|---|---|
PCI compliance | Non-compliance fee if not self-certified £20–50/month | Free PCI compliance included £0 |
Terminal rental | Varies by provider and contract £15–30/month | £10 – £15/month per terminal (or £79 to own outright) £10 – £15/month |
Settlement speed | 3–5 business days typical Lost working capital | Next day, including weekends Faster cash flow |
Fraud protection | Basic or not included Chargeback risk | Real-time detection across 49M+ cardholders Small per-tx fee |
UK phone support | Chatbot or email only (many providers) Downtime risk | 7-day UK support, 16-second avg answer time Included |
Contract buyout | Not offered You pay exit fees | Up to £3,000 covered by CapExpand £0 to switch |
Competitor costs are typical ranges based on publicly available information and industry averages. Your actual costs may vary.
Switching Takes Less Than 48 Hours
No downtime. No hassle. We handle everything.
What many businesses use today
Dojo Go with CapExpand
Get your quote
Tell us your monthly card turnover. We come back with your exclusive Dojo rate in minutes.
5 minWe handle the switch
We manage the application, chase your old provider for exit fees, and sort the paperwork.
24 hrsTerminal arrives
Your Dojo Go arrives next working day. Free delivery. Ready to go out of the box.
Next dayStart saving
Take your first payment. Money in your account tomorrow morning. 30-day no-commitment trial.
Day 1Feature-by-Feature Comparison
| Feature | Dojo | Clover |
|---|---|---|
| In-person transaction fee | Bespoke (tailored to your volume) | 1.49% |
| Monthly fee | £10 – £15/mo | From £9.99/mo |
| Contract length | 30-day rolling or 12-month | Varies by reseller (12-48 months) |
| Settlement speed | Next day (inc. weekends) | 1-3 working days |
| EPOS system | Basic (Dojo app) | Full EPOS (200+ apps) |
| Hardware range | Dojo Go portable | Flex, Mini, Station Solo, Station Duo |
| UK support | 7-day, 8am-11pm phone | 7-day webchat + phone |
| Pricing transparency | Published rates | Quote-based (via resellers) |
| Hardware cost | Included in rental | Custom quoted (est. £750+ for Station) |
| Offline mode | Standard | Available |
| Exit fee buy-out | Up to £3,000 | Not offered |
| Transaction speed | Dojo reports 58% faster than average (2-sec auth) | Standard |
| Platform uptime | Dojo reports 99.99% since Feb 2022 | Not published |
| QR code payments | Yes (bill split + Google Reviews) | Not available |
| Restaurant bookings | Full system + 800k diner app | Third-party apps only |
| Tipping on terminal | Built-in (Dojo reports up to 2,049% increase for NQ64) | Available |
| Google Reviews boost | Auto-prompt after QR payment | Not available |
| 30-day commitment-free trial | Yes | Varies by reseller |
| Data intelligence | 49M cardholder dataset + competitor benchmarking | Clover dashboard |
Dojo rates are bespoke and tailored to your card volume and business type. Every transaction includes a small secure fee that powers real-time fraud detection across 49M+ cardholders, automatically prompting for PIN on suspicious cards to reduce chargebacks.
Why Businesses Choose Dojo
Dojo on Trustpilot
5,200+ reviews. 89-91% five-star. Replies to 93% of negatives within 24 hours.
According to Dojo, Lucia Restaurants chose Dojo over a POS system and saved 10 hours a week across all locations. Till discrepancies dropped by 90%. Their operations manager said: "Dojo has been a real game-changer. It has made us much more efficient. I would not consider any other payment provider." They also reported saving £8,400 in payment provider costs.
What Clover customers flag most: Users often report contract lengths that do not match what was discussed during sales. One reviewer signed what they thought was 12 months but discovered they were locked into 40 months with a £100 cancellation fee. Hidden monthly charges for statements (£5/mo), maintenance (£2.99/mo), and PCI (£15/mo) add over £600 across a contract. After-sales support is consistently described as poor once the initial sales rep moves on.
Real Numbers: A Restaurant That Chose Simplicity Over Complexity (Real Dojo Client)
Based on a a restaurant that chose simplicity over complexity (real dojo client) processing £18,000/month in card payments. Dojo client Lucia Restaurants (5 locations) saved 10 hours a week with integrated payments and cut till discrepancies by 90%..
With Clover
Transaction fees (1.49%): £268 + Software: £9.99/mo. Hidden statement/PCI fees likely.
£278/month
With Dojo via CapExpand
Transaction fees: Bespoke rates + Terminal: £10 – £15/mo. No hidden extras.
£254/month
£0/year saved
The Verdict
Choose Dojo If:
- You need straightforward card payments without complex POS
- You want transparent published pricing, not reseller quotes
- Short contracts with no exit penalties matter to you
- Next-day settlement including weekends is important
- You prefer a simple portable terminal over a countertop EPOS
Choose Clover If:
- You need a full EPOS system with inventory, staff management and apps
- You want premium countertop hardware (Station Duo with dual screens)
- You are a restaurant wanting kitchen display integration
- You plan to build custom integrations via the Clover app marketplace
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Frequently Asked Questions
Is Dojo cheaper than Clover?+
Does Clover have a contract?+
Can I use Clover just for card payments?+
Who owns Clover?+
Why apply for Dojo through CapExpand?+
Get Exclusive Dojo Rates Through CapExpand
As an authorised Dojo partner, we handle everything: application, setup, terminal delivery, and ongoing support. Our clients get access to exclusive rates and a dedicated point of contact.
30-day commitment-free trial · No contract lock-in (30-day rolling or 12-month options) · Terminal delivered next working day
Not looking for a card machine?
Dojo Business Finance gives you access to funds from week one of transacting: up to twice your monthly card sales. Fee-free portion on your first advance, automatic repayment as a percentage of daily sales, and a pay-replenish-repeat model that lets you dip back in without reapplying. Apply in the app or online in minutes, funds within 48 hours.
Competitor rates sourced from the Clover website and independent UK comparison sites, April 2026. Rates may vary by business type and volume. Dojo rates available exclusively through authorised partners like CapExpand. CapExpand is an authorised Dojo partner and does not sell other card machine brands. To get your personalised Dojo quote, apply through CapExpand.