Dojo vs Tyl by NatWest: which saves you more?
Dojo is our pick for most businesses comparing these two: its negotiable rate from 1.4% sits below Tyl's flat 1.75% (under £30k a year) and 1.5% (£30k-£100k) bands, and it pays out next day against Tyl's 2-day cycle. Tyl counters with no monthly fee and a simple rolling term, which suits smaller merchants who value predictability over the lowest rate.
Rates and contract terms checked July 2026 · Based on providers' published pricing
Dojo
- Transaction
- From 1.4%
- Settlement
- Next day
- Trustpilot
- 4.7/5
Tyl by NatWest
- Transaction
- 1.5-1.75%
- Settlement
- 2 days
- Trustpilot
- 4.0/5
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 |
|---|---|---|
| Transaction fee | From 1.4%, negotiable | 1.75% flat (under £30k/year); 1.5% flat (£30k-£100k/year) |
| Settlement | Next day, standard | 2-day settlement |
| Monthly fee | Varies by package (quoted) | No monthly fee |
| Setup fee | None | Not stated |
| Contract | 12-month or rolling options | No fixed term, rolling |
| Card reader / terminal | Free terminal on agreement | From £0 on plan, or £99 purchased outright |
| Insights and reporting | Comprehensive business insights | Tyl app and NatWest-backed tools |
| Support | UK-based dedicated support | NatWest bank proposition |
| Trustpilot (indicative) | 4.7 / 5 | 4.0 / 5 |
The takeaway:Tyl's flat bands (1.75% under £30k a year, 1.5% from £30k-£100k) are simple but sit above Dojo's negotiable from-1.4% rate once your volume justifies a tailored quote, and Tyl's 2-day payout trails Dojo's next-day settlement. Tyl's no-monthly-fee rolling deal is its strongest card.
Where Dojo wins
- Lower cost at scale - negotiable from 1.4% vs flat 1.5-1.75% bands, a gap that compounds every month
- Faster cash in the bank - next-day settlement vs Tyl's 2-day cycle
- Free terminal - included on agreement, with no setup fee
- Merchant-first service - UK-based dedicated support, comprehensive business insights and a 4.7/5 Trustpilot score vs 4.0/5
Where Tyl wins
- No monthly fee - a simpler bill for smaller merchants
- Flat-rate simplicity - published rates by turnover band, nothing to negotiate
- No fixed term - rolling contract as standard
- 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
- Your card volume justifies a tailored quote below Tyl’s flat bands
- Next-day settlement matters to your cash flow
- You want a free terminal and no setup fee
- You want dedicated UK support and business insights
- You run a growing hospitality, retail or service business
Choose Tyl if
- You want no monthly fee and a predictable flat rate
- You prefer a rolling deal with no fixed term
- You bank with NatWest and value the backing
- A 2-day payout cycle works for your cash flow
Want this worked out at your exact numbers?
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See also the full UK card machine rates table, all 15 providers in one place.