“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?”
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.
Dojo processes payments through Paymentsense Limited (self-operated).
Dojo's lending and capital products are provided by Youlend.
The Embedded Finance Index 2026 maps 2 layers in Dojo's stack: Payments / PSP (Paymentsense Limited (self-operated)); Lending (Youlend, Dojo Flex Funds (revenue-based working capital via Liberis) and Business Funding (merchant cash advance via YouLend)).
Dojo is headquartered in London, England, United Kingdom.
Get a read on where your own stack stands against Dojo and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.