Dojo vs Tyl by NatWest: which saves you more?
Dojo is our pick for terminal-based businesses taking roughly £3,000 or more a month on cards. Its Fix plan is £39.99 a month, covering card turnover up to £3,999 a month, then a 1% flat rate above £4,000. Tyl publishes 1.39% + 5p on UK and European personal cards (1.99% + 5p on other cards) under £50,000 a year, plus £13.99 to £19.99+VAT a month of terminal rental. At £5,000 a month with a £25 average sale, Tyl comes to roughly £97 (£69.50 rate + £10 authorisation fees + £17.99 A50 rental) against £49.99 on Fix, about £570 a year apart. The honest exception: Tyl's Tap to Pay costs nothing monthly, so a low-volume, phone-based seller at £2,000 a month pays Tyl about £31.80, less than SumUp or the £39.99 Fix fee. Above £100,000 a year Dojo quotes a custom rate, and we have seen quotes as low as 0.29% for high-turnover businesses.
Rates and contract terms checked 27 August 2026· Based on providers' published pricing
Dojo
- Fix plan
- £39.99/mo
- Settlement
- Next day
- Trustpilot
- 4.3/5
Tyl by NatWest
- Transaction
- 1.39% + 5p
- Settlement
- 2 days
- Trustpilot
- 4.0/5
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
Feature by feature
Pricing tiers, payout speed, contracts, hardware options and support, so you can pick the provider that matches how you take card payments.
| Feature | Dojo | Tyl by NatWest |
|---|---|---|
| Pricing | Fix plan: £39.99/month covers card turnover up to £3,999/month, then 1% flat above £4,000 (under £100k/year); custom quote above | 1.39% + 5p (UK/EU personal cards) or 1.99% + 5p (other cards), published under £50k/year; custom quote above |
| Settlement | Next day, standard | 2-day settlement |
| Monthly fee | £39.99 on the Fix plan (platform fee and Amex included) | No monthly fee |
| Setup fee | None | Not stated |
| Contract | 30-day trial, then a 12-month price-locked plan | No fixed term, rolling |
| Card reader / terminal | From £179 upfront; free via MerchantSwitch | Rented monthly: PAX A80 £13.99, A50 £14.99, A920 Pro £19.99 (all +VAT); Tap to Pay £0/month |
| Insights and reporting | Comprehensive business insights | Tyl app and NatWest-backed tools |
| Support | UK-based dedicated support | NatWest bank proposition |
| Trustpilot (indicative) | 4.3 / 5 | 4.0 / 5 |
The takeaway: Tyl's published 1.39% + 5p rate looks sharp, but on a rented terminal the fixed costs add up: at £5,000 a month (£25 average sale) it is roughly £97 all-in against £49.99 on Dojo's Fix plan, and roughly £145 against £79.99 at £8,000 a month. Tyl's 2-day payout also trails Dojo's next-day settlement. Where Tyl genuinely wins is hardware-free, low-volume trade: Tap to Pay at £0 a month with the 1.39% + 5p rate beats both SumUp and the £39.99 Fix fee below roughly £2,500 a month. Sums assume mostly UK personal cards; a business or international card mix pays Tyl 1.99% + 5p.
Want Tyl and Dojo priced at your numbers?
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Where Dojo wins
- Lower cost on a terminal - at £5,000 a month the Fix plan is £49.99 all-in against roughly £97 with Tyl once the 5p authorisation fees and terminal rental are counted
- Faster cash in the bank - next-day settlement vs Tyl's 2-day cycle
- No setup fee - and the terminal is free through MerchantSwitch
- Merchant-first service - UK-based dedicated support, comprehensive business insights and a 4.3/5 Trustpilot score vs 4.0/5
Where Tyl wins
- Tap to Pay at £0/month - the 1.39% + 5p rate with no hardware makes Tyl the cheapest option for phone-based sellers under roughly £2,500 a month
- Published pricing - rates and terminal rentals printed on tylbynatwest.com, nothing to negotiate under £50k/year
- No minimum monthly service charge - and no fees for refunds or card-not-present payments
- NatWest backing - bank credibility and NatWest-backed tools
How we calculated this
We take Dojo's and Tyl by NatWest's published or typical advertised rates and apply them to example monthly card volumes. Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with Dojo and Tyl by NatWest before you commit.
The verdict
Choose Dojo if
- You run a terminal and take roughly £3,000 or more a month, where Fix beats Tyl’s rate plus rental
- Next-day settlement matters to your cash flow
- You want no setup fee, with the terminal free through MerchantSwitch
- You want dedicated UK support and business insights
- You run a growing hospitality, retail or service business
Choose Tyl if
- You sell by phone at low volume: Tap to Pay at £0/month with 1.39% + 5p is hard to beat under £2,500 a month
- You want published pricing with nothing to negotiate (under £50k/year)
- You bank with NatWest and value the backing
- A 2-day payout cycle works for your cash flow
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.