Dojovs
SumUp·IrelandDojo vs SumUp fees in Ireland
A side-by-side look at Dojo and SumUp public card-processing rates for Irish businesses, with a sample €10,000/month scenario.
- Saving at €10,000/mo
- €49/mo
- Dojo
- €218/mo
- SumUp
- €169/mo
SumUp is lower in this example · ≈ €587 a year
2.18% effective rate
1.69% effective rate
Dojo and SumUp are both common ways for Irish businesses to take card payments in person, but they sit at opposite ends of the card-machine market. SumUp is pay-as-you-go with no fixed monthly cost, while Dojo pairs a lower headline card rate with a monthly terminal fee and a minimum monthly charge.
That makes this mostly a volume decision. At low in-person turnover SumUp's zero fixed cost is hard to beat; as volume rises, Dojo's lower percentage rate can outweigh its monthly fees.
Quick answer
Use this as a starting point before checking the fee table.
SumUp is usually cheaper for low or irregular in-person volume because it has no monthly or minimum charge. Dojo can become cheaper at steadier, higher volume where its lower in-person card rate offsets the monthly terminal fee and minimum monthly charge.
Choose Dojo if
you take card payments in person regularly, want a lower per-transaction rate and next-day payouts, and your volume comfortably clears the minimum monthly charge.
Choose SumUp if
you want a simple card reader with no fixed monthly cost, pay-as-you-go pricing and the freedom to take payments only when you need to.
What this guide compares
Use this to rule providers in or out before checking the details that matter to your business.
- Included
- Public card-processing fees, supported features and common Irish small-business use cases.
- Not included
- Negotiated rates, hardware purchases, chargebacks, refunds, currency conversion, optional software plans and provider-specific add-ons unless explicitly stated.
Main fee differences
These are the assumptions most likely to move the estimate.
What changes the fee gap
- Dojo adds a €15 monthly terminal fee and a €24.95 minimum monthly payment charge, so quiet months cost more than the card rate alone suggests.
- SumUp charges one flat 1.69% rate with no fixed per-transaction fee, so its cost scales directly with turnover.
- Dojo's in-person consumer-card rate is lower than SumUp's flat rate, so higher volume widens Dojo's per-transaction advantage.
Watch out for
- Praghas models Dojo's published below-€150k annual card turnover pricing; above that, rates are custom.
- Card reader and terminal hardware costs are excluded from both estimates.
- Dojo's minimum monthly payment charge means low-volume months still cost at least €24.95 in processing.
Feature comparison
Capability coverage from the Praghas provider directory.
- Online checkout
- DojoPartialSumUpYes
- Payment links
- DojoYesSumUpYes
- In-person terminals
- DojoYesSumUpYes
- POS / commerce tools
- DojoPartialSumUpPartial
- Subscriptions
- DojoNoSumUpPartial
- Developer APIs
- DojoUnclearSumUpUnclear
- Business account
- DojoNoSumUpPartial
| Feature | Dojo | SumUp |
|---|---|---|
| Online checkout | Partial | Yes |
| Payment links | Yes | Yes |
| In-person terminals | Yes | Yes |
| POS / commerce tools | Partial | Partial |
| Subscriptions | No | Partial |
| Developer APIs | Unclear | Unclear |
| Business account | No | Partial |
Example fee comparison
Based on €10,000.00/month, €50.00 average sale, default online payment mix. Run your own numbers for an accurate comparison.
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €169.00 | €2,028.00 | 1.69% | Baseline | Visit provider | |
| €217.95 | €2,615.40 | 2.18% | +€48.95/mo+€587/yr | Visit provider |
The table sorts the two providers by estimated monthly fee for this sample scenario only. It is not a quality ranking or recommendation.
When each is a fit
Use these notes as decision prompts before running your own numbers.
Consider Dojo if
- You take in-person payments steadily through the month
- A lower card rate and next-day payouts matter to your cash flow
- Your monthly volume comfortably clears the minimum charge
Consider SumUp if
- You sell at markets, pop-ups or on the move
- You want no monthly or minimum charges
- Simplicity and pay-as-you-go pricing matter more than the lowest rate
The verdict
This is a volume decision. SumUp wins on low, seasonal or unpredictable turnover thanks to zero fixed costs; Dojo wins once steady in-person volume makes its lower card rate worth the monthly terminal fee and minimum charge. Run your real monthly volume below to see where the line falls for you.
Read the provider notes
Each provider page lists the rates, assumptions and exclusions used by Praghas.
Frequently asked questions
No. SumUp is usually cheaper at low or irregular volume because it has no monthly or minimum charge, but Dojo's lower in-person card rate can make it cheaper once steady monthly volume is high enough. The calculator shows the crossover for your numbers.
No. Hardware and terminal costs are one-off or rental charges that are not part of the processing-fee estimate. Compare those separately.
Other comparisons
Related fee guides that share a provider with this one.
Square vs SumUpCard-reader and POS options compared for Irish businesses taking payments in person.
Revolut Business vs SumUpBusiness-account-linked payment acceptance compared with simple pay-as-you-go card payments.
SumUp vs StripeFlat-rate card readers compared with online-first payment infrastructure and developer tools.
myPOS vs SumUpTwo no-monthly-fee card readers compared on domestic rates, card mix and merchant-account features.Sources
- Dojo pricing
Dojo
- SumUp pricing
SumUp
Figures are estimates based on public standard pricing and may be out of date. Confirm current rates with each provider before deciding.