Dojo

What Dojo does

Dojo is a UK-based card payment acquiring and integrated commerce platform serving over 110,000 small and medium-sized businesses, operating as a trading name of FCA-regulated Paymentsense Limited (FRN: 738728). Its core product set comprises contactless card terminals (Dojo Go Max mobile, Dojo Pocket portable, Dojo Wired countertop, and Tap to Pay on iPhone) backed by a cloud-native acquiring platform reporting 99.99% uptime and processing 1.8 billion transactions annually. Around this hardware base Dojo has built an integrated commerce stack: cloud-based EPOS integrations with over 450 providers, online checkout and payment-link products, the Dojo Sidekick merchant management app, and the Dojo Intelligence analytics layer drawing on a 49-million-cardholder dataset for competitor benchmarking and weekly AI-generated performance snapshots. The company also offers embedded-finance products through partners, including revenue-based financing (Dojo Flex Funds via Liberis, Business Funding via YouLend) and a co-branded Business Rewards Credit Card with Capital on Tap.

The business model combines blended transaction processing fees (tiered by annual card turnover, with bespoke pricing above £5M), hardware sales and rentals (£149–£239 outright or £15–£25/month), a freemium Plus subscription at £11.99/month/location, and referral commissions on embedded-finance products. GTM is dual-track: direct SMB self-serve via website with next-day hardware delivery, plus named-account enterprise field sales for chains and large multi-site operators in hospitality, retail, leisure, and personal services. In May 2025, Dojo closed a £190 million equity investment from Vitruvian Partners at a ~$990M post-money valuation, its first equity funding since launching in 2021, with proceeds earmarked for European expansion into Ireland, Italy, and Spain and continued platform development.

Name

Dojo

Legal name

Paymentsense Limited

Website

https://dojo.tech

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Dojo is a UK-based card payment acquiring and integrated commerce platform serving over 110,000 SMBs and enterprise chains with cloud-native terminals, 450+ EPOS integrations, embedded finance, and a 49M-cardholder analytics layer, now expanding across Europe.

Ownership category

akta.pro rank

Product category

Card Payment Processing

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Card payment processing
• Mobile card terminals
• EPOS payment integration
• Payment processing services
• Integrated payments platform

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Supply Chain, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Processing Fees: Percentage-based fees charged on each card payment processed. Rates vary based on annual card turnover volume - businesses processing under £100k annually pay different rates than those above £100k or £5m+.
2. Hardware Sales and Rental: Sale of payment terminals (Dojo Go Max £149-£229, Dojo Pocket £239, Dojo Wired £179) and monthly rental options (£15-£25/month).
3. Subscription Plans: Platform fees including Essential (free) and Plus (£11.99/month/location) tiers. Plus tier includes advanced features like competitor benchmarking, customer tracking, and weekly performance reports.
4. Business Funding: Dojo enables funding through partner YouLend, receiving referral fees for connecting merchants to financing. Has facilitated over £1bn in business funding across 20,000+ customers.
5. Business Rewards Card Partnership: Partnership with Capital on Tap offering co-branded Business Rewards Card with 1% cashback. Dojo earns commission for customer referrals.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels10 records

Core offering

Dojo provides card payment processing solutions for UK small and medium-sized businesses and enterprises, combining proprietary hardware card terminals (Dojo Go Max, Dojo Pocket, Dojo Wired, Tap to Pay on iPhone) with a cloud-native payments platform. The platform integrates with 450+ EPOS systems, offers online checkout and payment links, and is augmented by business management apps (Dojo Sidekick, Dojo Intelligence, Dojo Bookings) and embedded finance products (Dojo Flex Funds, Business Rewards Credit Card). The company processes over 1.8 billion transactions annually across 110,000+ UK businesses.

Product overview

Dojo is a UK-based payments technology provider offering a comprehensive suite of payment processing solutions for small and medium businesses and enterprises. The core product portfolio includes hardware card machines (Dojo Go Max mobile, Dojo Pocket portable, Dojo Wired countertop, and Tap to Pay on iPhone) connected to a cloud-native payments platform with 99.99% uptime. The platform is complemented by integrated payments connecting to 450+ EPOS systems, online payment processing, and payment links for remote transactions. Additional value-add modules include Dojo Sidekick (business management app), Dojo Intelligence (AI-powered analytics with 49M UK cardholder data), and Dojo Bookings (restaurant management with reservations and queue management). Dojo also offers embedded finance products through partners: Dojo Flex Funds and Business Funding (capital access via Liberis and YouLend) and a Business Rewards Credit Card (via Capital on Tap). The company processes over 1.8 billion transactions annually across 110,000+ businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Dojo Go Max Dojo's flagship mobile card machine with sub-2-second transaction processing, built-in Wi-Fi and 4G connectivity with automatic switching, 6.5-inch HD touchscreen, 99.99% uptime, and 10-hour battery life. Supports chip & PIN, NFC contactless, magnetic stripe, Apple Pay, and Google Pay. Designed for SMB and enterprise merchants seeking the fastest payment terminal in the Dojo range.
• Dojo Pocket Lightweight portable card machine with 4.95-inch display, 8-hour battery life, and 30+ EPOS integrations. Enables staff to take orders and payments at the table with live stock updates and cloud-based POS syncing for hospitality businesses.
• Dojo Wired Countertop card machine tethered to mains power and ethernet for fixed-location kiosk and counter payments. Requires no battery or charging, integrates with self-service kiosk modes for retail and unattended environments.
• Tap to Pay on iPhone Software-based contactless payment solution using iPhone (XS and above, iOS 16.4+) and the Dojo for business app. Requires no additional hardware and accepts debit/credit cards, Apple Pay, and digital wallets on a pay-as-you-go basis.
• Integrated Payments Cloud-based EPOS integration connecting Dojo card machines to point-of-sale systems, enabling automatic transaction syncing, Pay at Counter and Pay at Table modes, and streamlined end-of-day reconciliation across 450+ EPOS providers.
• Online Payments Online checkout solution with ready-made plugins for major e-commerce platforms (WooCommerce, Magento, PrestaShop, OpenCart) and API integration for custom implementations. Supports fraud protection, AVS for authorisation rates, and next-day settlements.
• Payment Links Remote payment solution that lets businesses create unique secure payment links shared via social media, messaging, or email. Supports pre-authorised transactions for deposits and customisable checkout pages branded with the merchant's identity.
• Dojo Sidekick Digital business management app providing real-time transaction monitoring, refund processing, reconciliation, payment link management, device ordering, and PCI compliance management across multiple business locations for SMB and multi-site merchants.
• Dojo Intelligence Business intelligence and analytics platform providing weekly AI-powered performance snapshots, competitor benchmarking against local and national businesses, and customer insights derived from the 49 million UK cardholder dataset. Available on the Plus subscription tier.
• Dojo Bookings Restaurant management system for online reservations, walk-in queue management, automatic table seating, deposit collection, and customer discovery via an 850,000+ user diner booking app. Includes a 30-day free trial for hospitality operators.
• Dojo Flex Funds Revenue-based business financing offered in partnership with Liberis. Provides fast access to capital up to twice monthly sales with 90% acceptance rates, fee-free first advance portion, and automatic daily repayment tied to card takings for UK SMBs.
• Business Funding Business financing offered in partnership with YouLend, providing advances of 0.8-1x average monthly card turnover with repayment as a fixed percentage of daily sales. Over £1 billion enabled for 20,000+ UK businesses through this channel.
• Business Rewards Credit Card Co-branded business credit card with Capital on Tap offering 1% uncapped cashback, up to £250K credit limit, no annual/FX/ATM fees, spend controls, and integration with accounting software including Xero and QuickBooks.

Quantifiable outcome

• 58% faster payment processing than market average (Savanta 2023)
• +6 more outcomes

Named customers14 records

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability3 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• Capital on TapcoreGTM or Marketing Partner · 19 March 2026Co-branded Business Rewards Card partnership for UK SMEs offering 1% uncapped cashback, credit access up to £250K, and product integrations. Card features no fees, spend controls, and eligibility involving trading status and credit history checks. Partnership aims to expand payment solutions and enhance cash flow management for Dojo merchants.
• LiberiscoreStrategic or Co-development Partner · 26 February 2026Global embedded finance platform partnership to launch Dojo Flex Funds, offering affordable, flexible capital to UK small and medium-sized businesses from day one. Targets merchants with £60k+ annual revenue and 12+ months trading history, featuring 90% approval rates assessed using real trading data. This is a core embedded finance partnership integrating financing directly into Dojo's merchant onboarding journey.

Scale indicators14 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• SumUp: Global SMB card-accepting payments provider with strong UK and European presence. Directly comparable in target customer (micro/SMB merchants), hardware-led model (card readers), and flat-rate transaction pricing.
• Square (Block): Block's Square offers card readers, POS software and business financing to SMBs. Overlaps directly with Dojo's hardware, integrated payments, and embedded finance (Square Capital) products.
• Zettle by PayPal: PayPal's SMB-focused mobile card reader and POS solution. Competes head-to-head in the UK/EU SME market with similar hardware and pricing structure.

Broad incumbents

• Worldpay (FIS): One of the largest global merchant acquirers with deep UK presence. Overlaps with Dojo in card acceptance and EPOS integrations, but serves a broader enterprise/omnichannel customer base.
• Stripe: Dominant online payments and financial infrastructure platform. Comparable in API-first developer posture, embedded finance (Stripe Capital, Issuing) and expanding in-person payments via Stripe Terminal.
• Lloyds Cardnet: UK bank-affiliated merchant acquiring service. Competes with Dojo in UK card acceptance for SMBs and enterprise, though without Dojo's vertical-specialized product suite.

Emerging players

• Revolut Business: Digital bank expanding into merchant services and card acceptance across Europe. Competes with Dojo for SMB payments share and offers overlapping embedded finance products (accounts, cards, capital).
• Stax (formerly Fattmerchant): Subscription-based payments platform targeting SMBs with flat-rate pricing and integrated POS. Comparable in transparent-pricing GTM and merchant-services bundling, though primarily US-focused.
• Lightspeed Commerce: Unified POS and payments provider for retail and hospitality. Overlaps with Dojo's integrated payments, EPOS-led value proposition and vertical specialization in restaurants and retail.

Regional players

• Tyl by NatWest: NatWest's UK-focused SMB payments and EPOS business. Competes in the same UK SME vertical with comparable card machines, integrated POS, and merchant acquiring services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/dojo_tech_
• Facebookfacebook.com/Dojotech-101737171450003
• LinkedInlinkedin.com/company/dojo-tech
• Instagraminstagram.com/dojo.business

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dojo