Dojo vs Worldpay
2026 ComparisonWorldpay is the name everyone knows. They have been around forever and they process a huge chunk of UK card payments. But "big" and "good value" are two different things. We regularly help businesses switch from Worldpay to Dojo, and the story is almost always the same: they had no idea how much they were overpaying.
Worldpay rates can increase over time, and their standard settlement of 3-5 working days ties up cash flow. According to Dojo, a restaurant group moved all 12 of their companies to Dojo with minimal disruption and reported better rates from the start. Dojo settles next day as standard, including weekends, compared to 3-5 working days with Worldpay.
Quick Verdict
For a normal UK business doing £10k-£100k/month, Dojo is cheaper, settles next day (Worldpay takes 3-5 days), has contracts you can actually leave (30-day rolling or 12-month vs 18-60), and will even pay up to £3,000 of your Worldpay exit fees. That last point is usually the one that seals it. Worldpay is built for huge multi-national enterprises, not your average UK shop or restaurant.
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
Worldpay
£172/mo
From 0.75% (bespoke)
Dojo via CapExpand
£105/mo
Bespoke rates tailored to your volume
Your estimated saving
£804/year
That is £67 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 | Worldpay | 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 | Worldpay |
|---|---|---|
| In-person transaction fee | Bespoke (tailored to your volume) | From 0.75% (bespoke) |
| Monthly fee | £10 – £15/mo | From £19.99/mo |
| Contract length | 30-day rolling or 12-month | 18-60 months typical |
| Early exit fees | £0 | Up to £1,500 |
| Settlement speed | Next day (inc. weekends) | 3-5 working days standard |
| Pricing transparency | Published rates | Bespoke quotes only |
| UK phone support | 7-day, 8am-11pm | Business hours |
| Hardware | Dojo Go (included) | Various (rental from £19.99/mo) |
| Multi-currency | GBP focus | 120+ currencies |
| Online payments | Available | Full gateway + integrations |
| Exit fee buy-out | Up to £3,000 | Not offered |
| Transaction speed | Dojo reports 58% faster than average (2-sec auth) | Standard |
| Platform uptime | 99.99% since Feb 2022 (according to Dojo) | Not published |
| QR code payments | Yes (bill split + Google Reviews) | Not available |
| Restaurant bookings | Full system + 800k diner app | Not available |
| Tipping on terminal | Built-in (businesses report increased tipping) | Standard |
| Tap to Pay on iPhone | Free, no extra hardware | Not available |
| EPOS integrations | 450+ partners | Various |
| Google Reviews boost | Auto-prompt after QR payment | Not available |
| 30-day commitment-free trial | Yes | No (18-60 month contracts) |
| Data intelligence | 49M cardholder dataset + competitor benchmarking | Basic reporting |
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, Maki & Ramen moved 8 locations to Dojo, saved £40,000, and gained 90 extra covers a day through faster integrated payments. Another business group moved all 12 companies in a single week with minimal disruption. One reviewer said: "I would not consider any other payment provider."
What Worldpay customers flag most: Users often report being hit with £450+VAT termination fees that were never clearly explained upfront. Auto-renewing contracts lock businesses back in without clear notice. Multiple reviewers report continued billing after account closure and rates quietly increasing every 6 months. One business reported over £1 million in funds being withheld. Standard settlement takes 3-5 working days.
Real Numbers: A Restaurant Group That Left Worldpay (Real Dojo Client)
Based on a a restaurant group that left worldpay (real dojo client) processing £20,000/month in card payments. Dojo client Maki & Ramen (8 locations) saved £40,000 in interest costs and gained 90 extra table covers per day after switching..
With Worldpay
Transaction fees (est. 1.5%): £300 + Terminal: £22/mo. 3-5 day settlement. Exit fee risk.
£322/month
With Dojo via CapExpand
Transaction fees: Bespoke rates + Terminal: £10 – £15/mo. Next-day settlement inc. weekends.
£280/month
£0/year saved
The Verdict
Choose Dojo If:
- You want transparent published pricing, not a bespoke quote
- 30-day rolling or 12-month terms with no exit fees matter to you
- Next-day settlement helps your cash flow
- You value accessible UK phone support 7 days a week
- You are switching from Worldpay and want exit fees covered (up to £3,000)
Choose Worldpay If:
- You process multi-currency transactions across multiple countries
- You need advanced e-commerce gateway integrations
- You are a large enterprise with £1M+ annual card turnover and can negotiate bespoke rates below 0.5%
- You need one provider for both in-store and complex online payments
Do you currently take card payments?
It only takes a minute. Free, no obligation quote.
Frequently Asked Questions
Is Dojo cheaper than Worldpay?+
How long is a Worldpay contract?+
Will Dojo cover my Worldpay exit fees?+
How fast does Dojo settle compared to Worldpay?+
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 Worldpay 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.