Why UK businesses
choose Monek over Dojo
Dojo is known for its card machines and fast settlement, but its pricing is quote-based rather than published, and plans are commonly sold on a fixed term. Here is a clear, like-for-like comparison against Monek's published rates.
Published pricing you can check before you commit
Dojo does not publish a standard rate card; pricing is quoted per merchant, so it is hard to know how your deal compares. Monek publishes its rates: 0.99% blended on the Growing Business plan, or IC++ from 0.49% once you are over £200k a year. You can see exactly what you would pay before speaking to anyone.
Next working day settlement, included
Fast settlement is a headline Dojo feature, sometimes offered as a paid option. Monek settles into your UK bank account the next working day as standard, with no rolling reserve and no separate charge for it.
Monthly rolling, not a fixed term
Card-machine plans are frequently sold on a multi-year term with early-exit terms and a separate terminal agreement. Monek is a monthly rolling contract, with terminals from £25/month, so you stay because it works, not because leaving is costly.
Directly FCA-authorised, one account for every channel
Monek is a directly-authorised FCA-regulated payment gateway (FRN 920628), running your card machine, online payments, Virtual Terminal and Pay by Link on a single account and dashboard, with a free WooCommerce plugin and native Xero integration.
A named person to call
Every UK Monek merchant has a named account manager reachable by phone and email during UK business hours, with no monthly account fee and no PCI surcharge on top of the quoted rate.
Monek vs Dojo, line by line
| Feature | Monek | Dojo |
|---|---|---|
| Headline UK rate | From 0.99% blended (IC++ from 0.49% above £200k/yr) | Quote-based (not published) |
| Pricing published publicly | Yes | No, quote only |
| Directly FCA-authorised acquirer | Yes, FRN 920628 | Yes |
| Contract | Monthly rolling | Commonly fixed-term |
| Monthly account fee / PCI surcharge | None | Check your agreement |
| Terminals | From £25/month | Rental, terms vary |
| Settlement | Next working day, included | Fast, some plans paid |
| UK support | Named account manager, phone included | UK-based |
Dojo does not publish a standard public rate card, so no headline rate is shown here; pricing is quoted per merchant and terms vary. Always compare against your own Dojo quote and statement.
Frequently asked questions
How do I compare Monek to Dojo if Dojo does not publish rates?+
Is Monek's settlement as fast as Dojo's?+
Am I tied into a contract with Dojo?+
Does switching interrupt my card payments?+
What else does Monek include?+
What if Dojo already suits me?+
Compare your Dojo quote
Send us your current quote or statement and we will show you a published, like-for-like Monek rate. No commitment, no obligation, and an honest answer if you are already on a fair deal.