Dojo vs NatWest Tyl: Card Machine Fees and Features Compared in 2026

Dojo vs NatWest Tyl: Which Card Machine Provider Is Right for Your Business in 2026?

Choosing the right card machine provider can have a meaningful impact on your bottom line. With transaction fees, monthly charges, hardware costs, and contract terms all varying between providers, it pays to compare your options carefully before committing.

Two names that come up regularly for UK small and medium-sized businesses are Dojo and NatWest Tyl. Both offer modern card payment solutions, but they take quite different approaches to pricing and flexibility. This guide breaks down exactly how they compare so you can make an informed decision for your business in 2026.

Pricing Comparison

Dojo Pricing

Dojo offers two main pricing plans:

• Fix Plan: £39.99 per month. This covers up to £3,999 in monthly card turnover, with a 1% flat rate applied to any card turnover above that threshold. This plan suits businesses with relatively predictable, moderate card sales volumes.
• Flex Plan: Custom rates negotiated based on your business’s card turnover. This is aimed at higher-volume businesses that want tailored pricing.

The Fix Plan’s monthly fee means you are paying for the service regardless of how much you take in card payments. If your card turnover is consistently below £3,999 per month, the effective cost per transaction can be high relative to a percentage-only model.

NatWest Tyl Pricing

NatWest Tyl uses a straightforward pay-as-you-go transaction fee model with no monthly service charge:

• UK and EU personal cards: 1.39% + 5p per transaction
• All other cards (commercial, international): 1.99% + 5p per transaction
• No monthly service charge
• No cancellation fee
• No hidden fees
• Tap to Pay: Available free of charge (transaction fees apply as normal)
• Custom rates available for businesses processing over £50,000 in annual card turnover

For businesses with lower or variable card volumes, the absence of a monthly fee makes NatWest Tyl’s model particularly attractive. You only pay when you take a payment.

Side-by-Side Fee Comparison

Dojo (Fix Plan)

NatWest Tyl

Monthly fee

£39.99

None

Transaction rate

1% (above £3,999/month)

1.39% + 5p (UK/EU personal)

Other card rate

1% flat

1.99% + 5p

Custom pricing

Flex Plan available

Available above £50k/year

Hidden fees

None stated

None

The right choice depends heavily on your monthly card turnover. At higher volumes, Dojo’s flat 1% rate above the threshold can work out cheaper than Tyl’s per-transaction model. At lower volumes, Tyl’s no-monthly-fee structure is likely more cost-effective.

Hardware

Dojo Card Machines

Dojo offers its own range of card terminals, with hardware available either as an upfront purchase or on a monthly rental basis:

• Upfront purchase: From £109
• Monthly rental: From £15 per month

Dojo’s terminals are known for their fast transaction speeds and next-day settlement, which can be a significant advantage for cash-flow-conscious businesses.

NatWest Tyl Card Machines

NatWest Tyl offers a range of PAX terminals on a monthly rental basis:

• PAX A920 Pro (portable, touchscreen): £19.99 + VAT per month
• PAX A80 (countertop): £13.99 + VAT per month
• PAX A50 (compact countertop): £14.99 + VAT per month
• Tap to Pay (use your existing smartphone or tablet): Free to use, transaction fees apply

NatWest Tyl’s hardware range covers the main use cases: countertop terminals for fixed retail environments, portable terminals for table-side payments in hospitality, and the free Tap to Pay option for businesses that want to avoid hardware costs entirely.

Hardware Comparison

Dojo

NatWest Tyl

Entry-level monthly cost

From £15/month

From £13.99 + VAT/month

Upfront purchase option

Yes, from £109

Not advertised

Tap to Pay

Available

Free (transaction fees only)

Terminal range

Dojo Go

PAX A50, A80, A920 Pro

Contracts

Dojo Contract Terms

Dojo offers two contract options:

• 30-day rolling contract: Greater flexibility, allowing you to leave with just 30 days’ notice
• 12-month contract: Typically comes with more competitive rates

The availability of a rolling contract is a positive for businesses that are cautious about long-term commitments, though it is worth confirming the exact terms at the point of sign-up.

NatWest Tyl Contract Terms

NatWest Tyl positions itself strongly on flexibility:

• No cancellation fee
• No long-term lock-in on the standard plan
• Straightforward, transparent terms with no hidden exit costs

For businesses that want the freedom to switch providers without penalty, NatWest Tyl’s approach is notably low-risk.

Pros and Cons

Dojo

Pros:

• Flat 1% rate above threshold can be cost-effective at higher volumes
• Fast next-day settlement
• Option to purchase hardware outright
• 30-day rolling contract available
• Established brand with strong UK presence

Cons:

• £39.99/month Fix Plan fee applies regardless of card turnover
• Can be expensive for lower-volume or seasonal businesses
• Flex Plan requires negotiation, less transparent upfront

NatWest Tyl

Pros:

• No monthly service charge
• No cancellation fee
• Transparent, simple fee structure
• Free Tap to Pay option
• Custom rates for businesses over £50k annual card turnover
• Backed by NatWest, a well-known UK bank
• Trustpilot rating of 4.6/5 from over 2,100 reviews

Cons:

• 1.39% + 5p per transaction can add up at high volumes
• Higher rate (1.99% + 5p) for commercial and international cards
• Hardware only available on rental, not outright purchase

Who Each Provider Suits

Dojo Is Best For

Dojo works well for high-volume businesses processing well above £3,999 per month in card payments, where the flat 1% rate delivers savings over percentage-based models. It also suits businesses that want to own their hardware outright, or those that value fast next-day settlement and are comfortable paying a monthly fee.

Learn more about Dojo’s plans and features on our Dojo provider page.

NatWest Tyl Is Best For

NatWest Tyl is a strong fit for lower-volume or seasonal businesses that do not want to pay a monthly fee during quiet periods, as well as businesses new to card payments that want a low-risk, no-commitment entry point. It also suits hospitality and retail businesses that want flexible hardware options including free Tap to Pay, and any business that values simplicity and transparency in its fee structure.

For further detail on NatWest Tyl’s fees and features, see tylbynatwest.com/card-machines/pricing-fees and an independent review at Expert Market.

Verdict

Both Dojo and NatWest Tyl are credible, well-regarded card payment providers for UK businesses. The right choice comes down primarily to your monthly card turnover and how much you value flexibility.

Choose Dojo if your business processes significant card volumes each month and you want a flat-rate structure that rewards growth, or if you prefer to own your hardware outright. The 30-day rolling contract option also provides a reasonable degree of flexibility. Explore your options on our Dojo provider page.

Choose NatWest Tyl if you want to avoid monthly fees, value a no-cancellation-fee policy, or are looking for a straightforward, transparent pricing model. The free Tap to Pay option and competitive Trustpilot score of 4.6/5 from over 2,100 reviews add further appeal.

For many smaller UK businesses, NatWest Tyl’s pay-as-you-go model will represent better value. For larger businesses with consistent high card volumes, Dojo’s flat rate may prove more economical over time.

Already with NatWest Tyl? Upload your statement to see if you could be paying less.