There are currently no laws in the UK setting minimum card payments, so small businesses may set a minimum spend for their customers.

Before setting a limit, check with the card networks you accept, because some networks do not allow vendors to set a minimum or maximum spend on card payment and doing so can result in a fee. Check the individual card network terms and conditions to make sure you’re fully aware of the charges you may be liable for should you set a minimum for card payment spend.

Small businesses often implement a minimum spend to make service more efficient and reduce queueing times for customers. When you choose Dojo for your card payments for small business, you can take payments 58% faster than industry average thanks to our rapid transaction speeds. And with easy integration with over 400 EPOS systems and 4G connectivity as standard, we offer seamless payments, even when your Wi-Fi goes down. So with our card payments, you can power through queues, boost revenue, and increase customer satisfaction.

Although businesses can still choose to only accept cash, the increasingly widespread adoption of debit, credit, and digital wallet payments means many small businesses are choosing to go cashless and make card payments their preferred payment method.

With the convenience of contactless card payments, many customers now expect it as standard and do not carry cash to make payments. Plus, with banks now closing branches and making it more expensive to make cash deposits, accepting cash can make your life a lot more difficult than it need be. Cashing up and end-of-day admin can also be impacted, with valuable time lost to counting cash and balancing tills, not to mention the risk of human error and counterfeit cash.

With our fast and reliable card payments for small business, you can take payment from customers quickly and efficiently, freeing up time to focus on improving other aspects of your customer service. With seamless EPOS integration and powerful tools like the Dojo for business app, you can track your transactions, reduce human error, and make cashing up effortless.

No, you do not need a business account to take card payments. However, if you’re looking to accept credit and debit card payments at your small business, you’ll need to open a merchant account. Once you have a merchant account, you can then receive your daily takings in a business account.

At Dojo, we'll provide a merchant account for you for free when you sign up for any card machine.

When you sign up for one of our card machines, you will be charged a monthly fee, which covers both a platform and terminal fee, based on a number of factors, including your annual card turnover and how long you have been taking card payments. Credit and debit rates also apply. For more information, get in touch and we’ll be in touch with a next working-day quote.