Dojo vs Zettle explained – Payment processing comparison

Updated on 25 April 2024

In the evolving landscape of digital commerce, the need for reliable and efficient payment processing solutions has never been greater. Whether you are a small retailer, a bustling restaurant, or an online merchant, having the right payment gateway can significantly impact your business’s efficiency, customer experience, and, ultimately, profitability. This article will compare two leading payment processing solutions in the UK, Dojo vs Zettle, highlighting their features, pros, cons, and suitability for different types of businesses.

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Dojo vs Zettle

Payment acceptanceChip and pin, contactless, mobile payments, Amex, Diners Club, JCBChip and pin, contactless, mobile payments
E-commerce integrationShopify, WooCommerce, Magento and moreShopify, WooCommerce, Bigcommerce and more
Reporting and analyticsReal-time reporting via Dojo appDetailed sales analytics, data export to Excel/CSV
Customer support24/7 UK-based phone and email supportWeekday phone, email, and chat support
Card machine costRental basis with a 12-month contract (cost varies by machine)One-time purchase with no monthly fee
Transaction feesBespoke pricing model (based on transaction volume and average transaction value)Flat fee of 1.75% per transaction
Dojo vs Zettle

Remember, while this table can help compare the primary features and costs, the appropriateness of Dojo or Zettle for your business may also depend on additional factors such as your customer base, transaction volume, and specific operational needs. It’s essential to consider these aspects while making your decision.

An introduction to Dojo

Dojo is a part of Paymentsense, one of the UK’s most prominent merchant service providers, offering comprehensive payment solutions to businesses of all sizes. Dojo provides card machines for in-person transactions and integrates seamlessly with most major e-commerce platforms for online sales. Their card machines come in three variants: Countertop, Portable, and Mobile, each designed to meet the unique requirements of different business setups.

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An introduction to Zettle

Zettle, formerly known as iZettle and now owned by PayPal, is another heavyweight in the payment processing landscape. Zettle offers an easy-to-use card reader, designed primarily for small to medium-sized businesses. Additionally, Zettle integrates with a range of other services, including e-commerce platforms and accounting software, providing an end-to-end solution for managing and processing payments.

Feature comparison – Dojo vs Zettle

Payment acceptance

Both Dojo and Zettle offer a range of payment acceptance options. Zettle supports chip and pin, contactless, and mobile payments, including Apple Pay, Google Pay, and Samsung Pay. Dojo, too, accepts all these forms of payments but goes a step further with compatibility for Amex, Diners Club, and JCB.

E-commerce integration

Dojo and Zettle integrate seamlessly with several e-commerce platforms. Zettle syncs with Shopify, WooCommerce, Bigcommerce, and more, allowing businesses to manage in-person and online sales in one place. Similarly, Dojo integrates with various e-commerce platforms, including Magento, WooCommerce, and Shopify.

Reporting and analytics

Both platforms offer robust reporting and analytics tools. Dojo provides advanced real-time reporting through its Dojo app, where business owners can track sales, refunds, and settlements. Zettle also provides insightful sales analytics and can export these data to Excel or CSV files for further analysis.

Customer support

Dojo offers 24/7 UK-based customer service via phone and email, ensuring businesses have the support they need at all times. Zettle, on the other hand, offers customer support via phone, email, and chat, but their support hours are limited to weekdays.

Cost comparison – Dojo vs Zettle

Card machine costs

Dojo offers its card machines on a rental basis with a 12-month contract, and the cost varies depending on the type of machine chosen. Zettle sells its card reader outright for a one-time fee, with no contract or monthly fees, making it more affordable for small businesses or startups.

Transaction fees

Zettle charges a flat fee of 1.75% per transaction, irrespective of the card type or payment method. This straightforward fee structure is appreciated by many small businesses. Dojo, however, offers a bespoke pricing model. The fees are tailored to the individual business based on factors like transaction volume and average transaction value, potentially offering savings for businesses with higher volumes of transactions.

Which is right for your business?

Choosing between Dojo vs Zettle ultimately depends on your business needs.

Dojo, with its bespoke pricing model and 24/7 customer support, may be more suitable for larger businesses with high transaction volumes that need round-the-clock assistance. Furthermore, businesses that regularly process payments from Amex, Diners Club, or JCB cards may also prefer Dojo.

On the other hand, Zettle’s transparent pricing, ease of use, and the ability to purchase the card reader outright may appeal to startups and small businesses with lower transaction volumes. If your business primarily operates during weekdays and needs a simple, cost-effective payment solution, Zettle could be the ideal choice.

To conclude, both Dojo and Zettle offer robust, reliable, and feature-rich payment processing solutions. The key is to understand your business’s unique needs, transaction volume, and operational hours before making a decision.

FAQ – Dojo vs Zettle

What type of businesses can benefit from using Dojo and Zettle?

Both Dojo and Zettle cater to businesses of various sizes, from startups and small retailers to larger organisations. The choice between the two often depends on specific business needs, including transaction volumes and operating hours.

How does the cost of transaction fees compare between Dojo and Zettle?

Zettle charges a flat transaction fee of 1.75%, while Dojo uses a bespoke pricing model, with fees tailored based on factors like transaction volume and average transaction value.

Do both Dojo and Zettle support e-commerce integrations?

Yes, both Dojo and Zettle offer seamless integration with various e-commerce platforms like Shopify, WooCommerce, and others.

Which card types do Dojo and Zettle accept?

Dojo and Zettle both accept chip and pin, contactless, and mobile payments. Dojo, however, also supports Amex, Diners Club, and JCB.

What are the differences in customer support between Dojo and Zettle?

Dojo offers 24/7 UK-based customer support via phone and email, while Zettle provides support via phone, email, and chat, but only on weekdays.

How do the reporting features of Dojo and Zettle compare?

Both Dojo and Zettle provide comprehensive reporting and analytics tools. Dojo delivers real-time reporting through the Dojo app, and Zettle offers detailed sales analytics with the option to export data to Excel or CSV files.

Can I use Dojo and Zettle for mobile payments?

Yes, both Dojo and Zettle support mobile payments, including Apple Pay, Google Pay, and Samsung Pay.

Is it possible to integrate Dojo or Zettle with my existing point of sale system?

Both Dojo and Zettle can be integrated with a variety of point of sale systems. However, it’s best to check with your POS provider or contact Dojo or Zettle directly to ensure compatibility.

What are the initial costs of getting started with Dojo or Zettle?

For Dojo, the initial costs involve the rental of their card machines on a 12-month contract. Zettle, on the other hand, sells its card reader for a one-time fee with no monthly charges.

Do Dojo and Zettle comply with PCI standards?

Yes, both Dojo and Zettle are fully compliant with Payment Card Industry (PCI) security standards.

Do Dojo and Zettle provide receipt printers?

Dojo’s card machines can connect with receipt printers. Zettle does not provide a receipt printer but their card reader can connect with compatible receipt printers.

What are the hardware requirements for using Dojo and Zettle?

Dojo provides its own card machines that need a power source and internet connection. Zettle’s card reader requires a device with Bluetooth, such as a smartphone or tablet, and the Zettle app.

Can Dojo or Zettle handle multiple locations?

Yes, both Dojo and Zettle can handle multiple locations, allowing you to manage all your business locations from one account.

How fast are fund settlements in Dojo and Zettle?

Dojo typically settles funds within one business day, while Zettle’s standard settlement time is 1-2 business days.

Can Dojo and Zettle process refunds?

Yes, both Dojo and Zettle allow businesses to process refunds directly through their respective platforms.

Do Dojo and Zettle support gift cards or loyalty programmes?

Neither Dojo nor Zettle natively supports gift cards or loyalty programmes. You may need to integrate a third-party application to provide these services.

How user-friendly are the Dojo and Zettle interfaces?

Both Dojo and Zettle are known for their intuitive and user-friendly interfaces, making it easy for businesses to manage their transactions.

Can Dojo and Zettle integrate with accounting software?

Yes, both Dojo and Zettle can integrate with various accounting software applications, making it easier to manage financial records.

How reliable are Dojo and Zettle for high-volume transactions?

Both Dojo and Zettle are designed to handle high volumes of transactions efficiently. However, Dojo’s bespoke pricing model may offer cost advantages for businesses with high transaction volumes.

What happens if my Dojo or Zettle device malfunctions?

In the event of a device malfunction, both Dojo and Zettle offer customer support to troubleshoot and resolve the issue. In some cases, they may replace the faulty device.

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