Verdict: choice depends mostly on turnover
Without doubt, SumUp and Dojo both have excellent products with fair pricing – for the businesses they’re geared towards.
For small businesses with a card turnover of less than £5000-£10,000 monthly, the choice is clear: SumUp. The predictable card rate is reasonable and the lack of monthly fees and contract make it cheaper, especially when you can’t foresee sales over the next year. What’s more, the many free selling tools mean you don’t have to sign up for anything else.
Dojo can offer more competitive rates above the £150k yearly turnover threshold. The rental subscription and monthly minimum service charge won’t matter much in that case, when card rates are low and sales consistently high. But if sales are only just below £150k/year, it’s worth considering whether SumUp’s fixed rate and lack of other fees will serve you better.
Is Dojo always better for those with a higher sales volume? Not necessarily, because SumUp can personalise rates above a £100k/year card turnover. If you start with SumUp and demonstrate a high sales volume, you can negotiate down the rate.
Product-wise, Dojo’s card machine is the best quality terminal. It works in most situations, whether independently or coupled with your choice of EPOS, and transactions land in your bank account the very next day. There just aren’t many extra sales tools, so it’s really mainly about the card machine.
SumUp’s card readers are comparatively cheap to buy, small and efficient, but not as sophisticated as Dojo’s Android terminal. On the other hand, SumUp integrates out-of-the-box with its own POS system, business account and online payment tools, which makes running a business easier.
If you want the best service, Dojo wins with its longer support hours, fast terminal replacement and efficient onboarding. Personal support is not SumUp’s strength, but they do make an effort to update its features regularly.