Dojo vs SumUp explained – Payment processing comparison

Updated on 25 April 2024

In the digital era, a payment processing solution is no longer a luxury for businesses; it’s a necessity. The ease and convenience of online transactions make it imperative for businesses, both large and small, to have a reliable, secure and efficient payment processor. Two significant players in this field, particularly for UK businesses, are Dojo vs SumUp.

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This article will delve into these two options, compare their features, costs and benefits, helping you make an informed decision for your business needs.

Dojo vs SumUp

Payment ProcessingDebit/Credit Card, In-person, Phone, OnlineDebit/Credit Card, In-person, Phone, Online
Industry-Specific IntegrationYesNo
Card Reader CostVaries based on contractOne-time purchase
Transaction FeeCustom, based on business volume1.69% per transaction
Monthly FeesVaries based on contractNo
Contract12-18 monthsNo contract
Settlement PeriodNext-day settlementsUsually 2-3 business days
Customer Support24/7 UK-based teamLimited hours, online resources and chat
SecurityP2PE, PCI DSS compliantEncrypted card reader, PCI DSS compliant, Serverless architecture
ReportingPersonalised customer portal with monthly reportsLimited to transaction history
Dojo vs SumUp

It’s important to note that this table offers a general comparison and the exact details might vary based on individual contracts and changing company policies. Always check the specific terms and conditions before making a final decision.

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Overview of Dojo

Dojo is a part of the Paymentsense brand, one of the fastest-growing payment processing companies in Europe. They cater to small and medium-sized businesses, offering payment solutions that allow businesses to accept debit and credit card payments in person, over the phone and online.

Dojo prides itself on its secure and swift payment processing system, with additional features like next-day settlement, industry-specific software integration, and a dedicated customer support team. It also emphasises transparency, providing its customers with clear pricing structures and a monthly reporting system that helps businesses track and manage their transactions more effectively.

Overview of SumUp

SumUp is a global mobile point-of-sale company that was launched in 2012. It operates in over 31 countries, including the UK, providing small businesses with an easy, cost-effective way to accept card payments.

The main selling point of SumUp is its simplicity and affordability. They offer an affordable card reader and a straightforward pay-per-use pricing structure, making it an appealing choice for smaller businesses or solo entrepreneurs. SumUp also integrates with various eCommerce platforms, enabling businesses to manage their in-store and online payments seamlessly.

Comparison of features

Payment processing

Both Dojo and SumUp offer the ability to process payments in various forms, whether in person, over the phone, or online. They also provide compatibility with a variety of debit and credit cards.

However, Dojo stands out for its industry-specific software integration. It offers an integrated solution that works seamlessly with different types of business software, such as e-commerce platforms, booking systems, and electronic point of sale (EPOS) systems. This flexibility is particularly useful for businesses operating in niche markets with specialised software requirements.

On the other hand, SumUp offers a simple, straightforward mobile point-of-sale system. It is designed for ease of use and portability, making it a good fit for businesses that often operate in different locations, such as market traders or mobile services.


In terms of pricing, SumUp maintains a very straightforward structure. There’s a one-time purchase for the card reader, and then businesses pay a flat fee of 1.69% per transaction. There are no monthly fees or contractual obligations, which makes SumUp particularly attractive for smaller businesses or those with fluctuating sales volumes.

Dojo operates on a contract basis, typically a 12-18 month commitment. They offer custom pricing based on the business’s card turnover and individual needs, making it more suitable for businesses with high sales volumes or more predictable transaction levels. Additionally, Dojo provides next-day settlements, which can help improve a business’s cash flow.

Customer support

In terms of customer support, Dojo stands out with its dedicated UK-based customer service team available 24/7. This can be especially helpful for businesses that operate outside standard working hours. Additionally, Dojo provides a personalised customer portal that includes monthly transaction reports and insights, helping businesses to manage their payments more effectively.

SumUp, while it doesn’t offer round-the-clock support, does provide various online resources and a chat service on their website. This gives businesses the flexibility to troubleshoot issues at their own pace.


When it comes to security, both Dojo and SumUp uphold stringent standards. Dojo offers Point-to-Point Encryption (P2PE), securing card information from the moment it’s used. Dojo is also PCI DSS (Payment Card Industry Data Security Standard) compliant, which is a strict security standard in the card payment industry.

SumUp also prioritises security, employing an encrypted card reader and complying with PCI DSS. Furthermore, SumUp operates on a serverless architecture, which means there’s no central point for potential security breaches, providing an additional layer of safety for transactions.

Conclusion – Dojo vs SumUp

Choosing between Dojo and SumUp ultimately depends on your business’s specific needs. If you’re looking for a flexible, industry-specific solution with round-the-clock support, Dojo might be the right fit. On the other hand, if you prefer simplicity, affordability, and portability, SumUp could be the more appealing option.

Remember, it’s not just about cost; consider the level of support, the flexibility of the service, and the security measures in place. By considering these factors, you can choose the payment processing solution that will best help your business thrive in today’s digital marketplace.

FAQ – Dojo vs SumUp

What are the key differences between SumUp and Dojo?

SumUp offers a straightforward, pay-per-use pricing model with a mobile point-of-sale system, whereas Dojo provides custom pricing based on business volume and offers industry-specific software integration.

Which is more cost-effective for small businesses, SumUp or Dojo?

Generally, SumUp is more cost-effective for small businesses or those with fluctuating sales volumes due to its flat transaction fee and lack of monthly fees or contracts.

Is the customer support for Dojo better than SumUp?

Dojo offers a dedicated UK-based 24/7 customer support team, while SumUp offers limited hours support with online resources and chat service.

Can both SumUp and Dojo process online payments?

Yes, both SumUp and Dojo can process online payments in addition to in-person and over-the-phone transactions.

Which offers faster settlements, SumUp or Dojo?

Dojo offers next-day settlements, whereas SumUp typically takes 2-3 business days.

Are both SumUp and Dojo PCI DSS compliant?

Yes, both SumUp and Dojo comply with PCI DSS standards, ensuring secure card transactions.

Can I integrate my e-commerce platform with both SumUp and Dojo?

Yes, both SumUp and Dojo offer integration with various e-commerce platforms.

How does the transaction fee of SumUp compare with Dojo?

SumUp charges a flat fee of 1.69% per transaction, while Dojo offers custom pricing based on the business’s card turnover.

Is there a contract requirement with both SumUp and Dojo?

Dojo typically operates on a contract basis, usually 12-18 months, while SumUp has no contract requirements.

Which is more portable, the SumUp card reader or the Dojo card reader?

Both offer portable card readers, but SumUp’s card reader is particularly designed for mobility and ease of use.

What types of businesses are best suited for SumUp and Dojo?

SumUp is typically more suitable for small businesses, solo entrepreneurs, or businesses with fluctuating volumes. Dojo is better suited for businesses with higher or predictable transaction levels, or those requiring industry-specific software integration.

Do both SumUp and Dojo accept all major credit and debit cards?

Yes, both SumUp and Dojo accept a wide range of major credit and debit cards.

Which has a more transparent pricing structure, SumUp or Dojo?

Both companies aim for transparency. SumUp uses a flat fee structure, and Dojo provides custom pricing based on your business needs.

Can I use both SumUp and Dojo for phone payments?

Yes, both SumUp and Dojo allow businesses to accept payments over the phone.

Are both SumUp and Dojo compatible with iOS and Android devices?

Yes, both SumUp and Dojo offer apps compatible with iOS and Android devices.

Can I get a customised solution for my business from either SumUp or Dojo?

Dojo provides custom pricing based on the business’s card turnover and individual needs, whereas SumUp generally follows a standard approach.

How secure are transactions made through SumUp and Dojo?

Both SumUp and Dojo prioritise transaction security with encryption technology and compliance with PCI DSS standards.

Do SumUp and Dojo offer refunds on their card readers?

This would depend on their individual company policies, but typically, refunds might be possible within a certain timeframe if the reader is defective or if the customer is dissatisfied.

Can SumUp and Dojo integrate with my existing POS system?

Dojo offers industry-specific software integration, which includes POS systems. SumUp also integrates with certain POS systems but it’s best to check the specific compatibility.

Do SumUp and Dojo provide any transaction insights or reports?

Yes, Dojo provides a personalised customer portal that includes monthly transaction reports and insights. SumUp provides limited reporting, generally restricted to transaction history.

Reviewed by , Managing Director

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