Dojo Merchant Account Overview
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Dojo Merchant Account Overview
What Dojo Offers UK Businesses
Dojo is a UK payment platform offering merchant account services that allow businesses to accept digital payments, including credit cards, debit cards, international cards, and digital wallets such as Apple Pay and Google Pay.
Dojo supports in-person card payments through its card terminals, as well as online and remote payments via websites, apps, payment links, and QR codes. Physical Dojo card machines are optional, with Tap to Pay on iPhone available as an alternative for in-person contactless payments.
Dojo Wired is a mains-powered device designed for fixed payment locations, connecting via Ethernet or Wi-Fi and supporting Chip & PIN, magnetic stripe, and contactless payments from cards and digital wallets.
Dojo Go is a portable card reader with a receipt printer that connects via Wi-Fi and 4G. It accepts Chip & PIN, contactless, mobile wallets, and swipe payments.
Dojo Pocket is a lightweight handheld card reader for use away from a fixed payment point, accepting contactless cards and mobile wallets, over Wi-Fi or 4G, with digital and QR receipts only.
Tap to Pay on iPhone enables contactless card and digital wallet payments directly on a compatible iPhone using the Dojo app, relying on the device’s internet connection and supporting tap-only transactions.
Dojo is a payment acquirer (also known as an acquiring bank), working directly with card-issuing banks and card associations instead of through an aggregated master account.
Dojo provides online support channels, access to a resource library, and technical support that can remotely access devices for troubleshooting where required.
Settlement times vary and may be affected by weekends and bank holidays, with an optional faster settlement available depending on the pricing arrangement.
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How Dojo Operates Within the UK Payments Market
Dojo operates as a direct UK acquirer, issuing individually underwritten merchant accounts with unique merchant IDs. Transactions, settlement, risk assessment, and compliance are handled under each merchant’s own account rather than through an aggregated structure.
This makes Dojo’s contemporaries in the UK payment market other acquiring banks that offer standalone merchant accounts and optional hardware and software choices.
From a pricing perspective, Dojo offers three tiered plans that are determined by transaction volume. These are the Fix, Flex, and Pro plans, which determine pricing as opposed to universal rates for all customers.
Who Dojo Is Best Suited For
Small to mid-sized businesses: Dojo’s pricing tiers are structured around businesses with predictable card turnover.
Businesses that want a dedicated merchant account: As an acquiring bank, Dojo provides individually underwritten merchant accounts with unique merchant IDs instead of a shared aggregator model.
Established businesses with defined payment processes: The way Dojo conducts onboarding, underwriting, and account setup is better suited to established businesses with a verified trading history and recurring payment volumes.
Businesses looking for enterprise solutions: Typically for businesses processing higher annual card volumes that require bespoke commercial arrangements.
When Dojo May Not Be Suitable
Very low-volume or highly seasonal businesses: Businesses with minimal or irregular card turnover may find direct acquiring and plan-based pricing less suited to their needs than aggregator alternatives.
Businesses prioritising instant onboarding over account structure: Dojo’s individually underwritten merchant accounts require formal onboarding and approval, which may not suit businesses looking for a faster and more simplified setup with limited compliance checks.
Micro-merchants: While Dojo supports hardware-free payments via Tap to Pay on iPhone, they may not be suited to part-time or inconsistent sellers.
Businesses not looking for a dedicated merchant account: Those preferring transactions to be processed under a shared master account may favour an aggregated payment model.
Pricing Model Overview
Dojo’s pricing is structured around tiered plans, determined by the business’s annual card turnover, rather than a single standardised rate across all merchants.
These tiers also determine the contract expectations and flexibility. Options range from rolling agreements to price-locked terms, depending on the structure selected. This contrasts with other providers that may offer fixed per-transaction pricing regardless of size or turnover.
Total costs are influenced by transaction volume, payment channel mix, and business risk profile, as well as whether hardware is required.
How Dojo Compares to Other Merchant Account Providers
As a direct acquirer, Dojo provides individually underwritten merchant accounts with unique merchant IDs, aligning it with other providers that issue standalone merchant accounts.
These aggregated payment providers typically have a faster onboarding process with fewer underwriting requirements. This means they are often shortlisted by businesses prioritising speed or those with a more limited trading history, or with irregular transaction volumes.
Hybrid providers combine elements of both models, allowing businesses to start on aggregated accounts and transition to direct acquiring as volumes increase. Merchants usually shortlist these providers when expecting growth but wanting flexibility around when individual underwriting is introduced. Dojo does not offer this option as all businesses are onboarded directly onto individually underwritten accounts regardless of size and turnover.
Enterprise-focused providers are typically shortlisted by businesses with more complex operational requirements, such as higher card processing volume, multi-location operations, or bespoke integrations.
Merchant Account Providers / Comparison
