Sum Up vs Dojo: Comparing Payment Solutions for UK Businesses

Choosing the right card payment machine is important for any small business. SumUp and Dojo are two popular merchant service providers in the UK, each offering different features, pricing, and support. For most small businesses, SumUp is often seen as the cheaper and more flexible choice, while Dojo appeals to larger businesses needing more advanced tools and customer service.

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Both rivals provide quick and secure payments, but they work in different ways. SumUp offers simple card readers with no contract, while Dojo usually requires a 12-month rental agreement and monthly fees. This difference means businesses should compare what matters most: upfront costs, ease of use, and daily operations.

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Key Takeaways

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• SumUp tends to be cheaper and more flexible for small businesses
• Dojo is better for companies wanting advanced features and strong merchant support
• Pricing, contracts, and features differ, so compare carefully for your needs

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Overview of Sum Up and Dojo

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SumUp and Dojo are two of the most recognised names in the UK for card payment solutions. Each brand has a unique background and approach, as well as different pricing and product options.

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Company Backgrounds

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SumUp is a well-known provider that launched in 2012 and has become a major name in mobile point-of-sale systems across Europe. Its reputation is built on simplicity, wide availability, and low entry costs for small businesses.

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Dojo, a more recent player, is owned by Paymentsense. It has grown quickly since its launch, targeting small and medium businesses that want fast, reliable card machines and customer support. The company is making a name for itself with strong customer service and transparent pricing.

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SumUp’s global presence sets it apart, while Dojo’s backing by Paymentsense provides extra stability. Both focus on giving small businesses better ways to accept payments in stores and on the go.

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Core Offerings

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SumUp offers a range of mobile card readers with no fixed contract. Users pay a one-off fee for the device (such as the SumUp Air) and then a straightforward transaction fee for each sale. The readers feature mobile connectivity, making them ideal for on-the-go use. There are also solutions for online payments and invoicing. These features make SumUp well-suited to smaller traders who want low upfront costs and no rental commitments.

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Dojo card machines are provided on a rental basis, tied to a minimum term (usually 12 months) with a fixed monthly cost. They offer fast payouts, next-day settlement, and cover exit fees up to £500 for new users who switch. After the fixed term, the contract usually rolls on monthly with a set rental cost. Learn more details about Dojo’s pricing model and how it supports card turnover needs. Both companies deliver chip-and-PIN transactions, contactless payments, and digital wallet capabilities such as Apple Pay and Google Pay, but the way they charge and support customers is different.

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Key Features Comparison

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SumUp and Dojo each focus on distinct priorities when it comes to payments, hardware, and built-in software. Their features differ in ways that suit businesses of various sizes and needs. Pricing, hardware flexibility, and extra tools are all important to consider.

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Payment Solutions

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SumUp offers straightforward card payments with no monthly rental fees. Businesses pay a small fixed fee per transaction, which suits shops, cafés, and market traders who like simple costs. SumUp focuses on essential payments, making it a good fit for smaller merchants with lower card turnover.

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Dojo requires a monthly rental contract that starts at £20 + VAT for businesses processing under £150,000 per year. They pay up to £500 in exit fees if a business is tied to an old provider. Dojo is ideal for business owners needing more than just simple payments, such as table service in restaurants or quicker settlement times. Extra services, like next-day payouts, make Dojo a strong choice for busy venues looking for fast access to their funds. See more details on Dojo’s payment services.

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Hardware Options

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SumUp provides card readers that are compact, wireless, and easy to use. The most popular options are the SumUp Air and the touchscreen SumUp Solo. These devices do not require a contract. Buyers pay a one-off price and use the readers through a mobile app or built-in SIM card. Battery life is strong, and the design is lightweight for mobile businesses.

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Dojo’s card machines are also wireless but come with a contract. They offer robust countertop and portable models designed to meet a variety of merchant needs in hospitality and retail. Dojo devices have built-in receipt printers and colour touchscreens. The machines run independently from mobile phones, which is helpful in busy shops or restaurants. For more on SumUp and Dojo device features, users can compare them side by side.

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Software Capabilities

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SumUp includes a basic point-of-sale app that helps with sales tracking and issuing digital receipts. For businesses wanting more, it offers optional add-ons for inventory and staff management. The software is simple, made for ease of use rather than deep customisation. Integration with third-party apps is limited, but it suits smaller traders or those just starting out.

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Dojo offers more advanced software right out of the box. Their system supports full-featured POS, with detailed sales reports and customisation for different business types. Dojo can handle table management and advanced analytics, making it practical for restaurants and larger retail. Customer support is more personal and flexible, with Dojo often customising the set-up to fit business needs. Read about Dojo’s reporting and software features.

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Pricing Structures

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SumUp and Dojo take different approaches to pricing. SumUp is known for its simple pay-as-you-go model, while Dojo offers a more traditional monthly rental and contract system.

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Transaction Fees

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SumUp charges a fixed transaction fee of 1.69% per card payment. This rate applies to all standard debit and credit card transactions, making pricing clear and predictable for many small businesses.

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Dojo typically offers variable transaction rates, depending on card type and business volume. As a general estimate, their rates can sometimes be lower for higher turnover businesses, but are usually negotiated on a case-by-case basis.

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For very small businesses, the flat-rate sum that SumUp uses can be easier to understand and manage. In contrast, more established businesses might be able to negotiate better per-transaction costs with Dojo. A detailed comparison of their fees can be found in this SumUp vs Dojo transaction fee guide.

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Monthly Charges

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SumUp does not charge any monthly rental fees. Business owners only pay the one-off cost of the card machine and the fixed transaction fee when they make a sale. This is especially good for users who have low or inconsistent sales volumes.

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Dojo, however, uses a monthly rental model. The monthly fee is usually a minimum of £20, depending on the product and any additional services. This fee covers the rental of the terminal, as well as support and sometimes software updates.

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There is no minimum monthly fee with SumUp, removing the pressure to make a certain amount of sales. With Dojo, the commitment to a minimum monthly outlay makes more sense for businesses with higher and more stable turnover. Details on these charges are fully explained at SumUp Air vs Dojo Pocket.

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Contract Terms

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SumUp stands out for not tying users down to any long-term contracts. Users can start and stop using the service as needed, providing maximum flexibility.

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Dojo typically requires a 12-month contract. There may also be an agreement to cover possible exit fees from a previous provider, up to £3000 in certain cases. This commitment means businesses are locked in for a year once they sign up.

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For many small businesses or start-ups, the lack of binding contract can be a big advantage with SumUp. For more established companies looking for more features or customisation, Dojo’s longer commitment and added support may make sense. For more on their contract differences, check out this comparison of contract terms.

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Ease of Use and Setup

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SumUp and Dojo are designed to make card payments easier for businesses, but the way they work and set up differs. Some businesses value quick setup, while others look for advanced features.

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User Experience

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SumUp is known for its simple interface. The device is light, compact, and user-friendly, making it easy for staff with little training to process payments. All essential functions are easy to find and use, which is ideal for shops with high staff turnover.

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Dojo offers more advanced technology, such as a high-definition screen, a built-in receipt printer, and longer battery life. The interface may feel more complex, especially for new users. Businesses can also access detailed sales reporting and management tools, which can benefit larger venues or those with advanced needs.

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If usability is the main concern, many find SumUp easier right from the start. If businesses need more detailed features and reporting, Dojo’s device offers advanced functions but with a steeper learning curve.

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Onboarding Process

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Setting up a SumUp device is straightforward. Most users can set it up quickly without outside help. The device pairs with a smartphone or tablet using Bluetooth, and the app uses step-by-step instructions. There are no long-term contracts, so businesses can start taking payments almost right away.

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Dojo’s onboarding process is more involved. The setup includes connecting the card machine to WiFi, registering with Dojo’s system, and learning to use the extra features. For some, this ensures security and access to more options, but it may take extra time and support before use. Businesses that want minimal setup will likely prefer SumUp, while those seeking features and data will have to invest more time with Dojo. For more details about set up and fees, visit this comparison of SumUp and Dojo.

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Support and Customer Service

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The way payment systems handle support and customer service can affect daily operations. Businesses often need help after hours, so the availability and quality of support may be important to consider.

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Support Channels

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Dojo offers several ways for customers to reach support. These include telephone, email, live chat, and access to a dedicated account manager for each business. The company also has a UK-based support team available to assist. This can be especially useful for businesses needing urgent help or personalised advice.

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SumUp provides support through telephone and email. Unlike Dojo, it does not assign individual account managers to each customer. The support options are basic but cover the main channels most small businesses require for troubleshooting. Some extra customisation and personal help may be lacking compared to Dojo.

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A simple comparison:

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Dojo

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Phone: Yes

Email: Yes

Live Chat: Yes

Dedicated Manager: Yes

UK-Based Team: Yes

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SumUp

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Phone: Yes

Email: Yes

Live Chat: No

Dedicated Manager: No

UK-Based Team: No

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For businesses wanting more personalised help, Dojo's range of support channels and dedicated managers may be an advantage.

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Response Times

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Dojo is known for its responsive, UK-based team and offers 24/7 customer support. This can be critical for businesses operating outside normal business hours or needing fast resolutions at night or on weekends. Some feedback suggests that having a live chat and a dedicated manager improves communication speed as well.

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SumUp offers support by phone and email, generally available seven days a week. However, the hours are more limited compared to Dojo, and there is no overnight or round-the-clock support for urgent problems. Businesses that mostly trade during regular hours may find this sufficient, but night-time or round-the-clock operations could be better served by Dojo's coverage.

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Further details about customer support differences can be found in resources comparing Dojo and SumUp support and other payment processing features.

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Integrations and Compatibility

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Dojo and SumUp both offer integration features that can make payment processing easier. Businesses value compatibility with ePOS systems and third-party apps for a smoother workflow.

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ePOS Integrations

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Dojo stands out for its straightforward integration with popular ePOS systems. Many businesses use ePOS to manage sales and inventory, so this is important. Dojo provides seamless connections and works closely with POS providers for setup support. This means users can expect easy linking and reliable day-to-day performance as described in this in-depth review of Dojo’s integration abilities.

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SumUp, on the other hand, is easy to set up but not as tightly integrated with as many ePOS or software platforms. Users can connect SumUp to certain systems, yet options may be more limited. For many small businesses, these options are often enough, but larger companies may need broader integration.

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Third-Party Apps

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Dojo offers compatibility with various third-party apps, focusing on features that support specific industries. For example, hospitality or retail businesses can find helpful tools for bookings, inventory, or customer management. This industry targeting can save time and reduce administrative tasks. Reviews highlight that Dojo works smoothly with leading online platforms and industry-specific software.

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SumUp gives users basic support for connecting with many online tools, including accounting or e-commerce apps. It works with major card types and shopping platforms, so it handles common requirements well. While it might lack some deeper links, it still fits companies looking for quick online or in-person sales options.

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Security and Compliance

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Both SumUp and Dojo put a strong focus on payment security.

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SumUp uses an encrypted card reader to keep card data safe at every step. This protects customers from card fraud and misuse. SumUp is also fully compliant with PCI DSS, which is an international security standard for handling card payments.

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Dojo provides Point-to-Point Encryption (P2PE). This protects card information right from when a card is used, making it very hard for criminals to access sensitive data. Dojo is also PCI DSS compliant, following strict industry regulations for payment security.

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Both providers meet important regulations to help keep merchants and their customers safe when making payments. Dojo’s extra layer of Point-to-Point Encryption can offer added peace of mind for some businesses. For more details, visit this comparison of Dojo vs SumUp payment security.

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Target Markets and Business Suitability

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SumUp and Dojo offer different features and benefits depending on the type of business. It is important to look carefully at which provider matches the needs of the user, based on business size and industry.

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Small Business Applications

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SumUp is popular among sole traders, small cafes, and independent shops. It keeps things simple with easy setup, no monthly fees, and pay-as-you-go pricing. This suits businesses with lower sales volume, pop-up stalls, or those just starting out. The devices are compact and portable, making them easy to use at market stalls or mobile services.

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SumUp devices connect with smartphones via Bluetooth, using the app for processing payments. There is a straightforward fee per transaction, which makes costs predictable. Business owners value not being tied into long contracts. For small merchants wanting a basic solution, SumUp’s approach supports flexibility and ease of use. Its lower cost and minimal setup requirements can be appealing for many smaller operators looking for an efficient card reader.

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Industry-Specific Solutions

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Dojo focuses on serving larger businesses such as restaurants, retail shops, and hospitality venues. It provides integrated payment systems, advanced analytics, and custom-built hardware with features like receipt printing, touchscreens, and long battery life. These functions are designed for high-traffic environments where speed and reliability matter.

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For example, restaurants benefit from integration with point-of-sale systems, split-bill functions, and quick payment processing to keep service moving smoothly. Retailers and larger service providers require more detailed reporting and the ability to handle busy periods without delays. Dojo’s products are built to handle these tasks and often come with more customisation options for businesses that have specific operational needs. More information on the business fit can be found in this comparison.

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User Reviews and Reputation

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SumUp and Dojo both have many user reviews online. These reviews give a good idea of what people think about the two card payment systems.

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SumUp is often praised for its simple setup and easy-to-use machines. Many small business owners say they like the clear pricing and lack of long contracts. Some users mention that support response times can vary.

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Dojo receives positive feedback for its fast payments and helpful customer service. Users often highlight the quick settlement speed and smooth integration with existing tills. There are some complaints about being tied to a 12-month rental contract.

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Below is a comparison of review highlights based on recent feedback:

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Many users post their experiences on sites like Trustpilot and in app store reviews. Both have thousands of ratings, reflecting a wide variety of customer experiences.

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People mention ease of use with SumUp, while Dojo is often chosen for quicker processing and customer help. Review scores may change over time, so checking recent ratings is helpful for up-to-date opinions. For more detailed information, see the comparison of user reviews.

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Final Verdict

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Both SumUp and Dojo appeal to different types of businesses. SumUp is easy to set up, with no monthly fees and low transaction costs, making it friendly for those just starting out or running smaller shops. Its compact card reader is portable and works with a variety of smartphones and tablets.

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Dojo offers more advanced features for growing or larger businesses, such as an in-built receipt printer, touch screen, and long battery life. The card machine looks and feels more like a traditional payment terminal.

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Comparing Key Features

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SumUp is affordable and simple to use. It's best for people who want to avoid contracts and keep running costs down. Flexible businesses that move around or work in markets benefit the most here.

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Dojo provides reliability and advanced tech features. Businesses needing a more powerful, all-in-one card machine may find Dojo to be a better fit. Those with high footfall or specific printing needs may prefer this option.

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Anyone deciding between them should consider where and how they work most, what their setup looks like, and what kind of payment experience they want to provide. For a deeper comparison, visit the detailed breakdowns at MobileTransaction and Finder UK.

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Frequently Asked Questions

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SumUp and Dojo both provide payment solutions, but they have different features, pricing, and support options. Payment processing, card reader types, and business suitability vary between the two providers.

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What are the differences between card machine functionalities offered by SumUp and Dojo?

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SumUp mainly offers portable, mobile card readers that connect to smartphones or tablets. Their devices are simple, compact, and perfect for taking payments on the go.

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Dojo provides more advanced standalone card machines, such as the Dojo Go, with built-in receipt printers and touchscreens. These machines operate independently and suit stationary use in shops or restaurants. For more details, see a comparison of card machine functionalities.

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How do the transaction fees compare between SumUp and Dojo for card processing?

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SumUp usually charges a flat transaction fee, which tends to be competitive for small businesses. There are no monthly charges or hidden costs.

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Dojo’s transaction fees can differ based on business size and setup, sometimes offering lower fees to higher volume businesses. It is important to check the latest transaction fees directly, as they may change.

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Can small businesses benefit from using either SumUp or Dojo card readers?

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SumUp is popular with small businesses due to its low start-up costs, simple pricing, and compact devices. Small retailers and mobile traders may find it especially useful.

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Dojo is often chosen by larger businesses needing more advanced features, but small businesses can also benefit if they need a more robust solution. Readers can help compare benefits for small businesses.

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What are the setup processes like for a new SumUp or Dojo card reader?

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Setting up SumUp is quick and easy. Users connect the device to a smartphone or tablet using Bluetooth and follow the in-app instructions.

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Dojo’s setup is also straightforward but may involve more steps if choosing a standalone device. The machines are delivered pre-configured and can be set up with minimal technical knowledge. Both providers offer support during installation.

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How do customer support services for SumUp and Dojo contrast with each other?

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SumUp provides customer service mainly through digital channels like email and help articles. Some phone support is available, but hours may be limited.

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Dojo is known for responsive customer support, often providing phone support with dedicated account managers for larger businesses. Support speed and quality may depend on the chosen plan.

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Are there any long-term contracts associated with SumUp or Dojo card machines?

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SumUp does not require long-term contracts. Users pay only for the card reader and transaction fees, with no ongoing commitments.

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Dojo may require a contract, especially for higher-end machines or custom pricing plans. Businesses should review the details carefully and check for any minimum term or early exit fees before signing up. More can be found in contract details.

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