Dojo vs Tyl by NatWest
UK card machine comparison for SMEs: pricing tiers, payout speed, contracts, hardware options, and support—so you can pick the provider that matches how you take card payments.
Quick Verdict
Tyl by NatWest offers simplicity—flat rates by turnover band, no monthly fee, rolling terms, and NatWest backing—but at higher headline transaction rates than a negotiated Dojo quote typically achieves for similar volume.
Dojo delivers lower fees at volume (from 1.4%, negotiable), faster next-day settlement as standard, and dedicated UK account management alongside a free terminal, business insights, and industry-leading Trustpilot scores—our recommendation for most UK businesses choosing between these two.
Feature comparison
| Feature | Tyl by NatWest | Dojo |
|---|---|---|
| Transaction fee | 1.75% flat (under £30k card turnover per year); 1.5% flat (£30k–£100k per year) | From 1.4% (negotiable) |
| Settlement | 2-day settlement | Next-day settlement as standard |
| Monthly fee | No monthly fee | Varies by package (quoted) |
| Setup fee | — | No setup fee |
| Contract | No fixed term — rolling | 12-month or rolling options |
| Card reader / terminal | From £0 on plan, or £99 if purchased outright (plan-dependent) | Free terminal on agreement |
| Insights & reporting | Tyl app and NatWest-backed tools | Comprehensive business insights |
| Support | NatWest bank proposition | UK-based dedicated support |
| Trustpilot (indicative) | 4.0 / 5 | 4.7 / 5 |
Why businesses choose Dojo
Lower cost at scale.Tyl's published flat rates (1.75% under £30k turnover, 1.5% from £30k–£100k) are straightforward, but they are typically above Dojo's negotiable from 1.4% once your card volume justifies a tailored quote. For growing hospitality, retail, and service businesses, that gap compounds every month.
Faster cash in the bank. Tyl pays out on a 2-day cycle; Dojo offers next-day settlement as standard, which improves working capital when you are paying suppliers, staff, and rent on tight cycles.
Service built around the merchant. Dojo pairs UK-based dedicated support with comprehensive business insights and a free terminal on contract—so you are not choosing between a cheap reader and a full payment stack. NatWest backing gives Tyl credibility, but for fees, speed, and merchant satisfaction (4.7 vs 4.0 on Trustpilot), Dojo is the stronger pick for most UK businesses weighing these two.
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