Dojo vs Tyl by NatWest 2026: Card Machine Fees, Costs & Which Is Better? Quick Answer
Dojo and Tyl by NatWest are both worth comparing for UK businesses that take regular card payments, but they differ in pricing, hardware, contracts and the way they support businesses.
Dojo currently advertises a 1.2% blended transaction rate for businesses processing under £100,000 annually in card payments, with tailored rates available for higher turnover.
Tyl by NatWest publishes 1.39% + 5p for eligible UK and European personal cards and 1.99% + 5p for other cards for businesses processing up to £50,000 annually. Larger merchants receive custom quotes.
Your priority Provider to compare first
Lower advertised blended processing rate
Dojo
NatWest-backed payment services
Tyl by NatWest
Advanced hospitality integrations
Dojo
Clear published personal-card pricing
Tyl by NatWest
Portable restaurant card machines
Both
Card turnover above £100,000 annually
Request tailored quotes from both
Our View: Dojo’s published rate makes it a strong starting point for businesses focused on processing costs, while Tyl may appeal to companies wanting NatWest-backed payment services. However, Dojo’s detailed fee documentation also mentions transaction charges, so the cheapest option can only be established by comparing complete quotes.
Key Takeaways
Dojo advertises a 1.2% blended transaction rate for businesses below £100,000 annual card turnover.Tyl lists 1.39% + 5p for eligible personal cards and 1.99% + 5p for other cards below its £50,000 annual pricing threshold.Both offer tailored pricing for businesses exceeding their respective published-rate thresholds.
Dojo offers several card machines with upfront or monthly payment options.
Tyl offers monthly terminal rental from £13.99 + VAT and Tap to Pay without terminal hire.
Both normally offer next-business-day settlement.
Dojo is particularly relevant to businesses requiring payment and EPOS integration.
Tyl may appeal to SMEs seeking NatWest-backed payment services and published entry-level rates.
Terminal rental, transaction fees and additional account charges must all be included when comparing costs.
Our View: The best provider depends on average transaction value, annual card turnover, required terminals and the final contract.
How Do We Work?
Our comparisons are researched and reviewed by the Compare Your Business Costs editorial team using published provider information, pricing documentation and UK business buying criteria. See how Compare Your Business Costs works .
Authored by: Ally Cox – Business Technology & B2B Services Specialist, 10+ years’ experience.
Last Updated: November 2026
Contents
Dojo vs Tyl by NatWest: Side-by-Side Comparison
Feature Dojo Tyl by NatWest
Provider type
Business payment and card machine provider
NatWest-backed merchant payment service
Published transaction rate
1.2% blended below £100k/year
1.39% + 5p for eligible personal cards below £50k/year
Higher turnover
Custom pricing above £100k/year
Custom pricing above £50k/year
Card machines
Dojo Go Max, Pocket and Wired
PAX A80, A50 and A920 Pro
Entry-level monthly hardware price
Dojo Wired from £15/month
PAX A80 from £13.99 + VAT/month
Upfront hardware option
Advertised for selected devices
Monthly hire for listed terminals
Tap to Pay
Available on compatible iPhone
Available on compatible iPhone and Android devices
Settlement
Normally next business day
Normally next business day
EPOS integration
Extensive advertised integrations
Check compatibility with selected EPOS
Pricing approach
Published blended rate or tailored quote
Published card-type rates or tailored quote
Best starting fit
Hospitality, retail and frequent card payments
SMEs wanting NatWest-backed merchant services
Published rates are indicative and subject to eligibility. The advertised transaction rates do not replace the applicable complete fee schedule.
Dojo vs Tyl Transaction Fees: Which Is Cheaper? The biggest difference between Dojo and Tyl is how their current public pricing is structured.
Dojo Transaction Fees Dojo currently advertises:
1.2% blended transaction pricing for businesses below £100,000 annual card turnover.Custom rates for businesses above £100,000 annually.
A choice of fixed-term or flexible arrangements for eligible higher-turnover merchants.
A blended rate simplifies the initial pricing comparison because one advertised percentage covers the relevant transaction mix.
However, Dojo’s FAQs also describe a 5p secure transaction fee per authorisation , alongside other account and service charges.
Businesses should therefore confirm whether their quoted blended rate incorporates this charge or whether it appears separately on the final invoice.
Tyl by NatWest Transaction Fees For eligible businesses with annual card payment values up to £50,000:
Card type Published Tyl fee
UK and European personal debit and credit cards
1.39% + 5p
Other applicable cards
1.99% + 5p
American Express
Separately priced
Annual card value above £50,000
Custom pricing
The 5p authorisation fee is charged per transaction in addition to the percentage.
Our View: The Headline Rate Does Not Tell You Enough Dojo’s lower advertised percentage is commercially attractive, but the comparison needs to account for how each provider treats authorisation charges.
Tyl explicitly includes the 5p charge in its public rate presentation. Dojo advertises an all-in blended percentage but also refers to a secure transaction fee in its detailed documentation.
We would ask Dojo to confirm, in writing, whether the 5p fee is included in the quoted 1.2% and whether other charges apply to the particular business.
For businesses on custom pricing, compare the effective processing rate from a written quotation rather than relying on either advertised percentage.
Compare UK Card Processing Rates
Dojo vs Tyl: Worked Card Payment Cost Examples These calculations demonstrate how the published percentage rates compare before allowing for all possible provider-specific charges.
Assumptions:
All transactions are eligible UK or European personal cards.
Dojo’s advertised 1.2% blended rate is used as the starting point.
Tyl’s published rate is 1.39% + 5p.
Dojo’s possible additional authorisation charges are considered separately.
Hardware rental and VAT are excluded from the first table.
Transaction Fees by Purchase Value
Sale value Dojo at advertised 1.2% Tyl at 1.39% + 5p
£5
6p
Approximately 12p
£10
12p
Approximately 19p
£20
24p
Approximately 33p
£50
60p
Approximately 75p
£100
£1.20
£1.44
Illustrative published-rate calculations only. Dojo’s separate authorisation and other potential charges may change the total. Transaction rounding may also differ.
Example: £3,000 Monthly Card Turnover Assume a business processes £3,000 each month, with an average sale of £20.
That means approximately 150 monthly transactions.
Processing cost Dojo advertised rate Tyl published rate
Percentage charges
£36.00
£41.70
Fixed authorisation charges
Confirm if separate
£7.50
Indicative total before hardware £36.00 plus any additional charges £49.20
If Dojo’s 5p fee applies separately to all 150 transactions, it would add £7.50, bringing that example to £43.50 before hardware and other fees.
Tyl’s £3,000-per-month example remains within its £50,000 annual published-pricing threshold if turnover is consistent throughout the year.
Example: £8,000 Monthly Card Turnover At £8,000 a month, annual card turnover would reach approximately £96,000.
That is:
Below Dojo’s advertised £100,000 threshold.
Above Tyl’s £50,000 threshold.
Dojo’s 1.2% advertised rate would imply £96 in percentage processing fees before any additional charges.
However, Tyl would require a custom quote at this turnover.
It would be misleading to apply Tyl’s smaller-business pricing and declare one provider the winner.
Our View: The Most Important Pricing Threshold Is £50,000 For businesses processing between £50,000 and £100,000 annually, the comparison becomes particularly interesting.
Dojo advertises its 1.2% blended rate within this range, while Tyl moves to tailored pricing.
That means the Tyl quotation may be very different from its publicly advertised 1.39% + 5p rate.
We would request a tailored Tyl quote and compare it against Dojo’s complete written fee schedule before making a decision.
Dojo vs Tyl Card Machine Prices Both providers offer hardware suitable for retail, hospitality and service businesses.
Dojo Card Machine Prices
Device Advertised upfront price Monthly option
Dojo Go Max
£149 promotional launch price
£25/month
Dojo Pocket
£239
£20/month
Dojo Wired
£179
£15/month
Tap to Pay on iPhone
£0 hardware
No hardware subscription advertised
Dojo also advertises an Essential software plan at £0 per month per location and a Plus plan with additional reporting features.
Confirm whether prices are promotional, whether VAT applies and what the hardware agreement includes.
Tyl by NatWest Card Machine Prices
Device Advertised monthly hire
PAX A80 countertop terminal
£13.99 + VAT
PAX A50 compact mobile terminal
£14.99 + VAT
PAX A920 Pro portable terminal
£19.99 + VAT
Tap to Pay
£0 terminal hire
Payment processing is charged separately.
Our View: Match the Device to the Workflow A restaurant that needs staff to take payments at tables should compare portable terminals from both providers.
A retail shop with a fixed checkout may not benefit from paying more for advanced portable hardware.
We would also ask Dojo to explain the ownership and replacement terms of any upfront hardware option, because buying equipment upfront is not necessarily equivalent to owning an unrestricted device.
Dojo vs Tyl Settlement Times Both providers advertise next-business-day settlement as a standard option.
Dojo also promotes faster next-day settlement options, including weekends and bank holidays, subject to the relevant product and conditions.
Tyl by NatWest normally settles payments on the following business day.
Actual settlement may be affected by transaction reviews, banking processes or other circumstances.
Our View For a business that trades heavily at weekends, the difference between ordinary next-business-day settlement and access to weekend payouts can matter but a busy restaurant could particularly value earlier access to Friday and Saturday takings, so we would ask both providers exactly when payments from Friday, Saturday and Sunday would reach the business account, and whether faster settlement carries additional costs.
Dojo vs Tyl Contracts and Additional Charges Contract flexibility is an important part of the comparison, particularly for seasonal businesses or companies planning to change their payment setup.
Dojo Contract Options Dojo advertises options including fixed-term and rolling arrangements for eligible merchants, with the exact terms depending on the package and business profile.
Dojo also advertises a limited early account closure offer for businesses cancelling within the first 30 days, subject to its conditions and their detailed fees can include:
Card-processing charges.
Authorisation or secure transaction fees.
Terminal and service charges.
Refund-related charges.
Other agreed account services.
Tyl Contract Options Tyl advertises 12-month card-machine agreements, with terms depending on the product selected.
Its published smaller-business pricing includes a 5p authorisation fee.
Tyl says it does not charge a minimum monthly service fee for its published smaller-business pricing and does not apply separate refund-processing charges.
However, card-machine hire and other selected services still carry their applicable fees.
Our View: Compare the Cost of Leaving, Not Just Joining Before signing with either provider, ask what happens if your business closes a location, changes payment systems or needs to cancel early.
Check:
Minimum contract term.
Notice period.
Terminal return conditions.
Any early termination fees.
Refund and chargeback charges.
Possible annual price changes.
These costs are especially important for seasonal hospitality venues, pop-ups and businesses with uncertain trading volumes.
Dojo vs Tyl: EPOS and Payment Integrations Businesses using an EPOS system should check that their chosen payment provider works with their existing software.
Dojo EPOS Integrations Dojo promotes integrations with more than 450 EPOS systems across its wider platform.
Integrated payments can help:
Send the payment amount automatically from EPOS to the card machine.
Reduce manual amount-entry errors.
Improve payment reconciliation.
Support more efficient checkout and table service.
Tyl EPOS Compatibility Tyl provides merchant payment services for different business setups.
However, businesses should check the exact compatibility of their chosen PAX terminal with their specific EPOS provider and software version.
Our View: Integration Can Be Worth More Than a Small Rate Difference For a restaurant processing hundreds of payments a day, manually entering card amounts can create unnecessary work and occasional reconciliation problems.
We would ask both providers to demonstrate a complete payment from the EPOS till through to the card machine and daily reconciliation report.
A lower transaction fee is not necessarily better value if it creates more manual work for staff.
Dojo vs Tyl: Which Is Better for Your Business?
Business type What to compare Starting recommendation
Restaurant
Portable terminals, tipping, EPOS integration and settlement
Start with Dojo; compare Tyl
Café
Small transaction fees, speed and terminal costs
Compare both using average sale value
Retail shop
Processing rates, countertop hardware and reporting
Compare both
Pub or bar
Portable payments, integration and weekend settlement
Start with Dojo; compare Tyl
Salon
Terminal cost, payment links and appointment software
Compare both
Tradesperson
Tap to Pay, connectivity and fixed monthly costs
Compare Tyl and Dojo, plus PAYG alternatives
Established SME
Annual processing costs and contract flexibility
Request written quotes from both
Best for Restaurants and Hospitality Dojo deserves particular attention for hospitality businesses because of its portable devices and extensive advertised EPOS integrations but Tyl remains worth comparing where a business wants NatWest-backed services or receives a competitive tailored quote.
Best for Small Retailers For small shops, the difference may come down to average transaction value and how often card payments are processed.
Compare:
Processing fees.
Monthly terminal charges.
Countertop device functionality.
Reporting.
Support availability.
Best for Higher-Turnover Businesses Where annual card turnover exceeds £100,000, both providers offer tailored pricing.
This is the point at which we would strongly recommend comparing quotes based on actual card statements rather than published marketing rates.
Should You Compare Alternatives to Dojo and Tyl? Yes. Neither provider will be the best commercial fit for every business.
Alternative Why compare it?
Square
Simple flat-rate payments and POS features
SumUp
Pay-as-you-go payments and mobile sellers
Worldpay
Established merchant services and tailored processing
Elavon
Custom merchant account pricing
Clover
Integrated EPOS hardware and payment software
Barclaycard Payments
Another established bank-linked payment option
Our View: For occasional traders, Square or SumUp may be simpler than entering a traditional terminal arrangement. For established merchants, adding Worldpay or Elavon to the quote comparison provides another benchmark for negotiated rates.
Compare Card Payment Machines UK
How to Compare Dojo and Tyl Quotes Properly To receive meaningful quotes, prepare the following information:
Monthly and annual card turnover.
Average transaction value.
Approximate number of transactions.
Debit, credit, business and international card mix.
Number and type of terminals required.
Current EPOS system.
Online and telephone payment requirements.
Required settlement schedule.
Existing provider and contract end date.
Example Comparison Request A restaurant might submit:
£15,000 monthly card turnover.
£30 average transaction value.
Two portable card machines.
Mostly UK consumer cards.
Some corporate and international cards.
Existing restaurant EPOS integration required.
Weekend settlement preferred.
Both providers should be asked for a quote showing:
Cost to compare Dojo Tyl
Monthly processing fees
Request quote
Request quote
Authorisation fees
Confirm inclusion and rate
Confirm quoted fee
Two terminal costs
Request hardware options
Request rental quote
EPOS integration
Confirm functionality and fees
Confirm functionality and fees
Additional account charges
Request complete schedule
Request complete schedule
Annual total
Calculate from quote
Calculate from quote
Our View Do not accept a comparison that shows only a percentage saving.
Ask for the expected total bill over 12 months, including transaction costs, terminals, account services and any one-off expenses.
Where your turnover is substantial, request custom rates from both providers and compare at least one additional merchant account supplier.
Our Verdict: Is Dojo or Tyl by NatWest Better? Dojo is our stronger starting recommendation for hospitality businesses and established merchants prioritising payment integrations and competitive advertised processing rates.
Tyl by NatWest remains a credible option for SMEs that value NatWest-backed payment services, published personal-card pricing and a straightforward range of card terminals.
Choose Dojo First If:
You want to compare the advertised 1.2% blended pricing.
You operate a restaurant, pub or busy retail business.
EPOS integration is particularly important.
You want to explore upfront versus monthly terminal options.
You need a quote for substantial regular card turnover.
Choose Tyl First If:
You prefer NatWest-backed merchant services.
Your business qualifies for published smaller-business pricing.
You want a straightforward monthly terminal rental arrangement.
You want Tap to Pay on a compatible iPhone or Android device.
You receive a competitive tailored quote for your business.
CYBC’s View: Compare the Effective Rate, Not the Advertised Winner Dojo currently has the more attractive advertised percentage, but that does not establish which provider will be cheapest on your actual card statement.
Tyl’s 5p fee is explicit. Dojo’s detailed fee documentation requires clarification alongside its blended-rate advertising. Both providers also have hardware and contractual considerations.
Our recommendation is to compare the complete processing and hardware cost using your own card mix, number of transactions and trading requirements.
For businesses exceeding £50,000 annual card turnover, tailored quotes are particularly important.
Compare Dojo, Tyl and Other Merchant Account Providers
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Dojo vs Tyl by NatWest FAQs Is Dojo cheaper than Tyl by NatWest? Dojo currently advertises a 1.2% blended rate below £100,000 annual card turnover, while Tyl lists 1.39% + 5p on eligible personal cards below £50,000. Actual costs depend on additional fees, card mix, terminals and the specific quote.
What is Dojo’s transaction fee? Dojo advertises a 1.2% blended rate for businesses below £100,000 annual card turnover. Its detailed documentation also refers to transaction-related charges, so confirm how these apply to your agreement.
What are Tyl by NatWest’s transaction fees? For eligible smaller merchants, Tyl charges 1.39% + 5p for UK and European personal cards and 1.99% + 5p for other applicable cards. American Express is priced separately.
Is Dojo better than Tyl for restaurants? Dojo deserves consideration for restaurants because of its portable payment devices and extensive EPOS integrations. However, compare Tyl’s terminal functionality, processing costs and settlement options before choosing.
Which has cheaper card machines, Dojo or Tyl? Tyl advertises monthly terminal hire from £13.99 + VAT. Dojo offers selected devices from £15 per month or with an upfront payment. Costs depend on the device, promotion and agreement.
Does Dojo have a monthly fee? Dojo advertises a free Essential software plan, but terminal payments and other account or transaction charges may still apply.
Does Tyl charge monthly fees? Dedicated Tyl card machines have monthly rental charges. Tap to Pay is offered without monthly terminal hire, with transaction fees applying.
Does Dojo settle payments faster than Tyl? Both normally offer next-business-day settlement. Dojo also promotes faster options including weekends and bank holidays, subject to terms and eligibility.
Can I use Dojo with my EPOS system? Dojo advertises integrations with more than 450 EPOS systems. Confirm that your specific software, hardware and version are supported.
Can I use Tyl with my EPOS system? Compatibility depends on the EPOS platform and selected terminal. Request a demonstration or written compatibility confirmation before signing.
Does Tyl require a NatWest business bank account? No. Tyl accepts eligible UK businesses that do not bank with NatWest, subject to its application requirements.
Which is better for high-turnover merchants? Both offer custom pricing at higher turnover. Compare their tailored transaction rates, other charges, terminal costs and support rather than published entry-level percentages.
Should I compare providers besides Dojo and Tyl? Yes. Worldpay, Elavon and Barclaycard are worth considering for established merchants, while Square and SumUp may suit smaller or occasional sellers.
Related Merchant Services Guides
Compare Dojo, Tyl and Other UK Card Payment Providers Whether you are choosing your first card machine or reviewing an existing merchant account, comparing quotes can help you identify which provider offers the right combination of transaction rates, hardware, settlement and contract terms.
Use your actual card turnover and transaction history to request meaningful like-for-like prices.
Hi, I’m Ally Cox , a senior copywriter and blogger at CompareYourBusinessCosts.co.uk, the UK’s trusted platform for comparing business services.over a decade of experience in the B2B sector, I specialise in simplifying complex topics like leased lines, VoIP, business energy, HR and payroll solutions, accounting software, and EPOS systems .HR, copywriting, and business operations- from clocking-in systems to card machines and office technology .informed, confident decisions when choosing products and services that improve efficiency and save money.
