← State of Embedded Finance 2026

Dojo

Can a UK card-acquiring business for SMBs evolve into a full financial platform by embedding capital, software, and multi-channel payments into a single merchant relationship?

HQLondon, England, United Kingdom
Latest roundDebt Financing
IndustryFintech / SMB banking
The story

Originally operating as Paymentsense, a card acquiring business for UK SMBs, the company rebranded to Dojo and repositioned as a payments technology platform. The pivot layered software and developer tooling on top of acquiring infrastructure — including EPOS integrations, Pay at Table, and online checkout — targeting hospitality and retail verticals. In 2026, Dojo embedded working capital directly into merchant onboarding via Liberis (Dojo Flex Funds), signalling a move toward becoming a broader financial platform for SMBs rather than a pure payments provider.

Last 12 months
2026-02
2026-03
Product timeline
2024
Expanded product suite with online payments, virtual terminals, and EPOS integrations for hospitality and retail verticals.· payments
2026
Launched Dojo Flex Funds in partnership with Liberis, providing embedded working capital (revenue-based financing) to 150,000+ UK merchants from day one of onboarding.· lending
2026
Expanded internationally with product presence in Ireland, Spain, and Italy.· pivot
Regulated entities
EMI
UK FCA
Paymentsense Limited
Payment Services
UK FCA
Paymentsense Limited
The stack
Payments / PSP
Paymentsense Limited (self-operated)
Lending
YoulendDojo Flex Funds (revenue-based working capital via Liberis)Business Funding (merchant cash advance via YouLend)
Accounting gap: significant