NatWest Tyl Review 2025: Fees, Features & Alternatives

NatWest Tyl is a comprehensive payment service that helps UK businesses accept card payments through multiple channels including in-person transactions, online purchases, and telephone orders. Tyl offers fast, contactless payments with smartphone integration, traditional card machines, and secure online payment gateways with next business day settlements as standard.

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Business owners can choose from various payment methods depending on their needs, whether they operate a physical shop, run an online store, or take orders over the phone. The service includes card machines, contactless payment options through smartphones, and online payment gateways that integrate with existing websites.

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This guide covers everything businesses need to know about NatWest Tyl, from understanding the different payment solutions available to getting started with the service. It examines the technology behind the payment systems, security features, and practical steps for implementation across different business types.

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Key Takeaways

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• NatWest Tyl provides multiple payment options including card machines, smartphone payments, and online gateways for UK businesses
• The service offers next business day settlements as standard across all payment methods
• Businesses can access dedicated support, training resources, and a merchant portal to manage their payment operations

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What Is NatWest Tyl?

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Tyl by NatWest is a comprehensive payment processing service that enables UK businesses to accept card payments through multiple channels. The platform offers card machines, online payment gateways, and telephone payment solutions with next business day settlements as standard.

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Overview of Tyl Services

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Tyl provides three main payment methods for businesses. The face-to-face payment options include traditional card machines and NatWest's Tap to Pay app, which allows contactless payments through smartphones.

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For online transactions, Tyl offers a payment gateway service. Businesses can add shopping cart functionality to their websites or send direct payment links to customers. The service includes branding assistance to maintain consistency with company identity.

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Phone payment capabilities allow businesses to process transactions whilst customers remain on the telephone. This system uses secure webpages to handle payments and manage personal data safely.

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All Tyl payment methods include next business day settlements as standard. This ensures businesses receive their funds quickly after processing transactions.

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Who Is NatWest Tyl For?

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Tyl by NatWest targets small to medium-sized businesses operating within the UK market. The service is specifically designed with small business owners in mind, offering straightforward solutions without complex systems.

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To qualify for Tyl services, businesses must be based and trading in the UK. Applicants must be over 18 years old, and eligibility criteria, fees, and terms and conditions apply to all services.

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The platform suits businesses making £100,000 or more annually, though it accommodates companies taking card payments for the first time. Existing businesses looking to improve their payment processes also benefit from Tyl's range of solutions.

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Key Benefits for Businesses

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Tyl customers gain access to Payit, which enables payment request sharing through the NatWest mobile app. This feature works with users who have eligible accounts with participating UK banks.

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Payment Flexibility:

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• Multiple payment channels (in-person, online, telephone)
• Fast contactless payments
• Direct payment links
• Shopping cart integration

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The platform provides next business day settlements across all payment options. This consistent settlement schedule helps businesses manage cash flow effectively.

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New and existing customers receive promotional offers, including free payment gateway access for six months. After the promotional period, the gateway costs £14.95 plus VAT monthly.

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Businesses access the Tyl Portal for account management. This system allows users to view invoices, access documents, and manage multiple users within their organisation.

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Payment Solutions Provided by Tyl

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Tyl by NatWest offers three main payment methods for UK businesses: contactless card machines for face-to-face transactions, secure online payment processing through websites or payment links, and telephone payment systems using computers or tablets.

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In-Person Payments

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Tyl provides multiple options for accepting payments in person. The Tap to Pay on iPhone service allows businesses to accept contactless payments directly on their iPhone without any extra hardware.

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Card Machine Options:

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• Terminal hire from £13.99/month + VAT
• 12-month contracts with no hidden fees
• Setup within 48 hours
• Use your own mobile device as an alternative

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The Tap to Pay feature works on both iPhone and Android devices. It has no monthly hire or PCI fees, though transaction fees and limits do apply.

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Some contactless cards are not accepted through the mobile payment system. Users may face data charges from their network provider. The service is only available on selected devices and requires meeting Tyl's eligibility criteria.

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Traditional card machines offer a reliable backup option. These terminals connect quickly and provide consistent payment processing for businesses that prefer dedicated hardware over mobile solutions.

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Online Payments

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Tyl enables businesses to accept online payments through multiple channels. Companies can integrate secure payment pages directly into their websites for seamless customer transactions.

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Payment Methods Available:

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• Website integration with secure payment pages
• Payment links for businesses without websites
• Tablet or computer processing for remote transactions

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The online payments service offers flexible terms. Businesses can cancel with just one month's notice, giving them control over their payment processing arrangements.

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Payment links work well for companies that don't have an online presence. Customers receive a secure link and can complete their purchase directly through Tyl's payment system.

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This approach keeps transactions safe whilst allowing businesses to operate without building their own e-commerce platform. The system handles the technical security requirements automatically.

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Phone Payments

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Tyl supports telephone payment processing using computers, tablets, or desktop devices. This allows businesses to take card details over the phone whilst maintaining security standards.

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The phone payment system integrates with the same secure processing network as other Tyl services. Staff can enter customer card details directly into the system during phone calls.

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Key Features:

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• Compatible with laptops, tablets, and desktop computers
• Same security standards as other payment methods
• Processes transactions in real-time
• Links to existing Tyl merchant accounts

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Phone payments work particularly well for service-based businesses that take bookings or orders by telephone. The system handles the transaction securely without requiring customers to visit physical locations or websites.

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All phone transactions go through the same secure network that protects other Tyl payment methods. This ensures consistent security across all payment channels whilst giving businesses flexibility in how they serve customers.

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Tap to Pay Options

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NatWest Tyl offers smartphone-based contactless payment solutions that eliminate the need for traditional card readers. The service supports both iPhone and Android devices with specific hardware requirements.

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Tap to Pay on iPhone

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Tap to Pay on iPhone enables Tyl customers to accept contactless payments directly through their device without additional hardware. The service uses Apple's built-in NFC technology to process transactions securely.

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Supported payment types include:

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• Credit and debit cards (Visa, Mastercard)
• Digital wallets (Apple Pay, Google Pay)
• Discover Global Network cards

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The iPhone solution requires iPhone XS or later with the latest iOS version. Apple doesn't store card numbers on the device or servers during payment processing.

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Business owners can add this service alongside existing card machines. Staff members with cashier access can only refund transactions processed on their specific device.

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The service operates through Wi-Fi or mobile data connections. No monthly hire or PCI fees apply, though transaction fees and data charges from network operators may occur.

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Tap to Pay for Android

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NatWest Tap to Pay transforms Android smartphones into Tyl-powered card readers for contactless payments. The Android app is available through the Google Play store.

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The service accepts Visa and Mastercard contactless payments without requiring dongles or additional hardware. Businesses can process transactions in various locations as long as internet connectivity is available.

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Android Tap to Pay integrates with existing Tyl accounts and processes payments through the same system as traditional card machines. The app connects via Wi-Fi and mobile networks for reliable transaction processing.

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Like the iPhone version, the Android solution reduces queues and speeds up checkout processes. Transaction fees apply, but there are no equipment rental costs.

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Supported Devices and Requirements

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iPhone Requirements:

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• iPhone XS or later models
• Latest supported iOS version
• NFC capability (built-in)
• Active internet connection

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Android Requirements:

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• NFC-enabled Android device
• Google Play store access
• Compatible Android version
• Reliable data connection

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Both platforms require a Tyl by NatWest account before accessing Tap to Pay services. Existing Tyl customers can add the service by calling the support line with their Merchant ID.

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New customers must complete the Tyl application process first. Sole traders need additional documentation including utility bills, VAT registration, and business accounts.

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The service works with any UK bank account, not just NatWest accounts. Settlements process on the next business day as standard across all Tyl payment methods.

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Tyl Card Machines and Technology

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Tyl by NatWest offers four main card machine models with different connectivity options and comprehensive contactless payment support. Each machine includes 4G, WiFi, or Ethernet connections depending on the model, with full support for digital wallets and tap-to-pay technology.

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Popular Card Machine Models

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Tyl by NatWest provides several card machine options designed for different business needs. The PAX A50 starts from £9.99 plus VAT monthly and suits mobile vendors with its compact design. It offers WiFi, 4G, and Bluetooth connectivity for maximum portability.

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The Ingenico Desk 3500 costs £13.99 plus VAT monthly. This countertop machine works best for fixed locations with stable Ethernet connections. It provides reliable performance for businesses that don't need mobility.

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The Clover Flex begins at £16.99 plus VAT per month. This all-in-one POS system includes inventory management and marketing tools. It connects via 4G and WiFi, making it the most versatile option.

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The Ingenico Move 3500 costs £19.99 plus VAT monthly. This portable device offers WiFi connectivity for businesses needing mobility without full POS features.

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Connectivity and Reliability

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All Tyl card machines use multiple connection methods for reliable payment processing. The portable models connect through 4G networks, WiFi, and Bluetooth technology. This ensures payments work even when one connection type fails.

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Tyl machines offer next business day settlement as standard across all payment options. The 4G connectivity means businesses can take payments anywhere with mobile coverage. WiFi connections provide backup when 4G signals are weak.

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The Ingenico Desk 3500 uses Ethernet connections for stable, wired performance. This reduces connection issues in busy retail environments. All machines receive hourly updates through the Tyl Portal dashboard.

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The technology comes from established payment processor Worldpay. This partnership ensures reliable transaction processing and secure data handling.

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Contactless and Digital Wallet Support

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Tyl card machines accept all major contactless payment methods. Customers can tap their cards, smartphones, or smartwatches to complete transactions quickly. The machines support Apple Pay, Google Pay, and Samsung Pay digital wallets.

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Chip and PIN transactions work alongside contactless options. The machines automatically detect the payment method customers choose. Transaction limits follow standard UK contactless rules.

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Supported Payment Types:

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• Contactless cards (Visa, Mastercard, American Express)
• Digital wallets (Apple Pay, Google Pay, Samsung Pay)
• Chip and PIN cards
• Magnetic stripe cards

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The Clover Flex includes access to the Clover App Marketplace. This adds extra digital payment features and integration options. All machines process payments securely with PCI compliance included for £4 monthly.

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Security, Compliance and Customer Support

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NatWest Tyl provides comprehensive payment security through PCI DSS compliance and maintains robust customer support channels. The service includes Text Relay accessibility options for customers requiring communication assistance.

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Payment Security Standards

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Tyl by NatWest automatically encrypts all payments using end-to-end encryption (E2EE) across card machines, NatWest Tap to Pay, and Payment Gateway services. This encryption meets Payment Card Industry Security Standards Council (PCI SSC) approval requirements.

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The platform ensures PCI DSS compliance for businesses that store, send, or process cardholder data. PCI DSS stands for Payment Card Industry Data Security Standard, which represents global information security requirements.

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When additional compliance requirements apply, businesses receive access to the Safe Pay portal. This PCI DSS compliance validation service is hosted by Viking Cloud and allows companies to confirm secure cardholder data handling practices.

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The redirect payment solution hosts the payment acceptance page through NatWest's secure infrastructure. This approach removes compliance burdens from individual businesses whilst maintaining security standards.

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Support Channels and Hours

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Existing Tyl customers can contact support through phone or online chat services. Customer service operates Monday to Saturday from 8am to midnight, with Sunday hours from 9am to 5pm.

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The main customer support number is 0345 901 0001. Bank holidays may affect standard operating hours.

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New customers seeking information about Tyl or requesting quotes can call 0161 605 6626. New customer support operates Monday to Friday from 9am to 5pm, excluding bank holidays.

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Additional support resources include FAQs and instructional videos for troubleshooting and setup guidance.

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Accessibility with Relay UK

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Tyl provides accessibility support through Text Relay services for customers requiring communication assistance. Text Relay access requires adding 18001 before any Tyl phone numbers.

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This service applies to both existing customer support (0345 901 0001) and new customer enquiries (0161 605 6626). The Text Relay option ensures equal access to support services regardless of hearing or speech requirements.

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Getting Started with Tyl

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Tyl by NatWest offers businesses multiple ways to accept card payments face-to-face, online, and over the phone. New customers can benefit from promotional pricing and straightforward setup processes designed to get businesses accepting payments quickly.

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Eligibility and Application

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Most UK businesses can apply for Tyl services through NatWest, Royal Bank of Scotland, or Ulster Bank. The application process requires basic business information and financial details.

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Businesses don't need to be existing NatWest customers to use Tyl services. However, having an account with NatWest Group banks may streamline the approval process.

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Application Requirements:

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• Valid UK business registration
• Business bank account details
• Director or owner identification
• Trading history information
• Processing volume estimates

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The application can be completed online or by phone. NatWest provides personalised quotes after discussing specific business needs with their payment experts.

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Approval times vary but typically take 5-10 business days for standard applications. More complex business structures may require additional documentation and longer processing times.

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Pricing and Fees

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Tyl pricing depends on the payment methods chosen and transaction volumes. The service offers competitive rates for different business types and sizes.

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Standard Pricing Structure:

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• Transaction fees apply to all card payments
• Monthly service fees for equipment rental
• Setup fees may apply for certain services

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Online payment gateways offer promotional pricing with no monthly fees for six months, then £14.95 monthly. This promotion runs until 31st December 2025.

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Card machine options include purchase or rental agreements. Rental typically includes maintenance and support services within the monthly fee.

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Transaction rates vary based on card types, with different rates for debit cards, credit cards, and contactless payments. Volume discounts may be available for high-transaction businesses.

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Onboarding Process

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Once approved, businesses receive equipment and setup instructions. The Tyl Portal provides access to business management tools for tracking transactions and managing settings.

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Onboarding Steps:

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1. Equipment delivery and setup
2. Portal account creation
3. Payment testing
4. Staff training materials
5. Go-live support

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Card machines require internet connectivity through Wi-Fi, Ethernet, or mobile networks. Businesses should consider their location and connectivity needs when choosing between Wi-Fi and 3G/4G options.

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The portal allows businesses to view transactions, manage invoices, and access key documents. Training materials and help resources are available throughout the setup process.

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Technical support is provided during initial setup and ongoing use. Most businesses can start accepting payments within days of equipment arrival.

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Helpful Resources for NatWest Tyl Users

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NatWest Tyl provides comprehensive support materials including detailed video tutorials, extensive FAQ sections, and multiple contact channels for both existing and prospective customers.

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Guides and Video Tutorials

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Tyl by NatWest offers video tutorials and guides to help users get started with their payment systems. These resources cover setup procedures for different card machine models.

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The tutorials address common tasks like initial configuration and troubleshooting. Users can access specific guidance for different device types including PAX, Ingenico, and Clover Flex terminals.

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The Tyl Portal getting started guide helps users navigate their business dashboard. This covers accessing invoices, viewing key documents, and managing user accounts.

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Video content focuses on practical demonstrations rather than lengthy explanations. This approach helps users learn through visual examples of common procedures.

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Frequently Asked Questions

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The Tyl FAQ section covers essential topics for both new and existing customers. Questions address card machine selection, connectivity options, and business suitability.

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Common FAQ topics include:

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• Device selection - Choosing between Wi-Fi, Ethernet, and 3G/4G connectivity options
• Business compatibility - Determining if Tyl suits specific business needs
• Payment features - Understanding Payit integration for NatWest mobile app users
• Technical support - Troubleshooting device-specific issues

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The FAQ sections are organised by device type and service category. This structure helps users find relevant information quickly without searching through unrelated topics.

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Separate FAQ pages exist for RBS and Ulster Bank customers with similar content structure.

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Contact Information

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Tyl provides different contact numbers based on customer status and enquiry type. Customer support operates with extended hours for existing users.

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Existing customers:

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• Phone: 0345 901 0001
• Hours: Monday-Saturday 8am-midnight, Sunday 9am-5pm
• Services: Technical support and account assistance

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New customers:

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• Phone: 0161 605 6626
• Hours: Monday-Friday 9am-5pm (excluding bank holidays)
• Services: Product enquiries and quotes

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Text Relay users can access both numbers by adding 18001 before dialling. Online chat options are also available during customer support hours for existing customers.

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Bank holidays may affect operating hours, so users should check current availability before calling.

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Frequently Asked Questions

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Tyl by NatWest customers often have questions about account access, support contact details, and service charges. The platform offers various payment processing options and customer service channels to help businesses get started.

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How do I log in to my Tyl by NatWest account?

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Users can access their Tyl by NatWest account through the official website portal. The login process requires customers to enter their registered username and password.

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Account holders should visit the main Tyl by NatWest website to find the login section. New users will need to complete the initial setup process before accessing their account dashboard.

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What is the contact number for Tyl by NatWest customer support?

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Customers can call Tyl support on 0345 901 0001 for general enquiries about payment solutions. Those using Relay UK should dial 18001 before the main number.

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For specific technical support, there is another contact line at 0161 605 6626. Customers can also request a callback through the official website.

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The support team provides personalised quotes for payment needs. They help with card machines, online payments, and phone payment solutions.

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What are the fees associated with using Tyl by NatWest's services?

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Tyl by NatWest charges vary depending on the specific services and payment methods chosen. The company provides personalised quotes based on individual business requirements.

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Transaction fees typically apply to card payments processed through their systems. Setup costs may vary depending on the type of card machine or payment solution selected.

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Businesses should contact Tyl directly for detailed pricing information. The support team can provide specific fee structures based on transaction volumes and business needs.

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Can I use Tyl as a virtual terminal for processing payments?

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Yes, Tyl by NatWest allows businesses to accept payments over the phone using devices like laptops, tablets, or desktop computers. This virtual terminal functionality works without needing a physical card machine.

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Businesses can also process payments through secure payment pages on their website. Those without websites can send secure payment links to customers.

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The system allows for safe online transactions. Customers can make purchases directly through the secure payment links provided by the business.

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Where can I find reviews for Tyl by NatWest from existing customers?

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Customer reviews for Tyl by NatWest can be found on various business review platforms and payment processing comparison websites. Many users share their experiences on independent review sites.

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The official NatWest business website may feature some customer testimonials. However, third-party review platforms typically provide more comprehensive feedback from actual users.

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Business forums and industry publications sometimes include user experiences with Tyl services. These sources can provide insights into real-world usage and customer satisfaction levels.

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What are the charges for NatWest acquiring services?

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NatWest acquiring service charges through Tyl depend on the specific payment processing requirements of each business. Pricing structures vary based on transaction volumes and types of payments processed.

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The company offers different pricing models for various business sizes and industries. Rates may differ for card-present and card-not-present transactions.

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Businesses should request a personalised quote to understand the exact charges for their situation. The pricing typically includes processing fees, monthly charges, and any additional service costs.

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