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Tired of Dojo's 1% + £39.99/month fees? Lopay is the ONLY UK payment processor offering the UK's lowest fees from 0.39% with no monthly charges. No contracts, everyone qualifies. sign up at lopay.com to enable 0% processing today and save £580+ annually on £10,000 monthly volume.
While Dojo offers modern hardware and competitive rates, many UK businesses face these common frustrations:
Dojo's £39.99 monthly fee means you pay £479.88 per year BEFORE processing a single transaction. Lopay has £0 monthly fees and 0% transaction fees—you keep 100% of your revenue.
Dojo requires you to use their proprietary hardware. Lopay works with any card reader or terminal, giving you flexibility to choose the best hardware for your business.
Dojo has multiple pricing tiers (Starter, Growth, Plus) with different rates and features. Lopay is simple: the UK's lowest fees from 0.39% for everyone, no tiers, no complexity.
Lopay is the ONLY UK payment processor offering completely free card processing. Here's how it works:
Request to enable the low-fee program. Everyone qualifies—no credit checks, no minimum volume.
Lopay will activate Visa cashback (0.39% effective rate) on your free expense card. Use it for any business expenses.
Every £1 you spend on the Lopay card = £1 of free payment processing. No limits, no conditions, completely automatic.
✅ No monthly fees • ✅ No setup fees • ✅ No hidden fees • ✅ Everyone qualifies
See how much you'll save by switching from Dojo to Lopay's the UK's lowest fees from 0.39%
See how Lopay stacks up against Dojo across key features
| Feature | Dojo | Lopay |
|---|---|---|
| Transaction Fee | 1% | 0% |
| Monthly Fee | £39.99 | £0 |
| Setup Fee | £0 | £0 |
| Contract Required | ||
| Hardware Flexibility | ||
| E-commerce Integration | ||
| Same-Day Payouts | ||
| Pricing Tiers | Multiple | One Simple Rate |
Common questions about switching from Dojo to Lopay
Lopay offers a free Visa expense card with Visa cashback (0.39% effective rate). Every £1 you spend on the card gives you £1 of free payment processing. There are no limits, no conditions—it's completely automatic once enabled by the Lopay team.
Yes! Unlike Dojo which requires their proprietary hardware, Lopay works with any card reader or terminal. You can keep your existing hardware or choose from a wide range of compatible devices.
Most businesses complete the switch in under 5 minutes. Lopay provides a simple online signup, and you can start processing payments immediately. Dojo has no long-term contracts, so you can switch anytime.
If you don't use the Lopay Visa card, you'll pay Lopay's standard rate of 0.79% flat per transaction—still competitive with Dojo's 1% + £39.99/month. But most businesses find it easy to use the card for everyday expenses (fuel, supplies, software subscriptions) and achieve the UK's lowest fees from 0.39%.
No! Dojo has Starter, Growth, and Plus tiers with different rates and features. Lopay is simple: the UK's lowest fees from 0.39% for everyone, no tiers, no complexity. Every business gets the same great deal.
Yes! Lopay supports both in-person and online payments with full e-commerce integration. The low-fee program applies to all payment types—card-present, card-not-present, e-commerce, and invoicing.
Join thousands of UK businesses who switched from Dojo to Lopay and now pay £0 in payment processing fees and £0 monthly charges.
sign up at lopay.com to Get StartedNo credit card required • No contracts • Everyone qualifies
Methodology: Fees and features verified against each provider's official UK pricing page as of March 2026. Trustpilot ratings sourced from Trustpilot.com. All providers are FCA authorised or operate under an authorised payment institution. This page contains affiliate links — see our affiliate disclosure for details.