Countertop POS for retail · United Kingdom
Tyl by NatWest card processing fees: what a shop actually pays
This provider publishes prices, but not ones a total can be built from. Either the rate is quoted as a starting figure, or it is interchange plus a markup, where the largest part of the cost is set by the card networks and is not published anywhere on the page.
Everything below is what the provider does state publicly, with the parts it does not state marked as such.
What does the provider publish?
Tyl by NatWest publishes the plans below on its own pricing page; the last column quotes the conditions in the provider's words.
| Plan | Monthly fee | Hardware | In person | Online or keyed | Effective at 5,000 a month | As published |
|---|---|---|---|---|---|---|
| Tap to Pay | none ex VAT | free | 1.39% + £0.05 | 1.39% | — | Tap to Pay GBP 0.00, transaction fees only. Personal cards 1.39% + 5p; other cards 1.99% + 5p, up to GBP 50k a year. Tyl publishes these rates up to GBP 50,000 of annual card volume. |
| PAX A80 countertop | £13.99 ex VAT | not stated | 1.39% + £0.05 | 1.39% | — | PAX A80 GBP 13.99 + VAT per month. No minimum monthly service charge; no fees for card-not-present, cancellations or refunds. Tyl publishes these rates up to GBP 50,000 of annual card volume. |
| PAX A920 Pro portable | £19.99 ex VAT | not stated | 1.39% + £0.05 | 1.39% | — | PAX A920 Pro GBP 19.99 + VAT per month. A flat 5p per transaction authorisation fee. Tyl publishes these rates up to GBP 50,000 of annual card volume. |
UK providers do not publish on the same basis. Monthly fees and hardware are printed exactly as published, and where the provider states the basis we print it. At 20% VAT an ex-VAT fee is 1.2 times higher on the invoice, so an ex-VAT figure and an inc-VAT figure are not comparable as printed. We do not convert between them.
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Contract length: not stated in the provider's published pages (checked 2026-08-25).
Chargeback fee: not stated in the provider's published pages (checked 2026-08-25).
Time to payout: not stated in the provider's published pages (checked 2026-08-25).
What does it cost at the size of shop you actually are?
The same plan is a different price depending on how much goes through the card machine, because the fixed part does not move.
| Plan | £1,000 | £2,000 | £5,000 | £10,000 | £25,000 | £50,000 |
|---|---|---|---|---|---|---|
| Tap to Pay | 1.64% | 1.64% | — | — | — | — |
| PAX A80 countertop | 3.04% | 2.34% | — | — | — | — |
| PAX A920 Pro portable | 3.64% | 2.64% | — | — | — | — |
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How that is worked out
The average sale is an assumption of this site, not a published figure: $25.00 in the United States and £20.00 in the United Kingdom. It decides how heavily a per-transaction fee lands, so the calculator lets you change it. Interchange, chargebacks, refunds, currency conversion, sales tax and VAT are not in any figure on this site, because the pricing page does not price them for a given shop. Every figure here is a floor. The full method is at Method.
What is fixed and what moves with sales?
Tyl by NatWest publishes both the percentage and the per-transaction fee. On PAX A80 countertop the fixed part is £13.99 a month before a single card is tapped, which is 0.28% of card sales at £5,000 a month and 0.03% at £50,000. checked 2026-08-25
A percentage on its own says nothing about what a small shop pays. The monthly fee, the terminal and the per-transaction fee are fixed amounts, so they land hardest on the shops with the least card volume — which is the opposite of how the headline rate reads.
Who owns it?
Owned by NatWest. Source. checked 2026-08-25
Where this leaves you
- You cannot budget from this page. Ask for the rate in writing, for debit and credit separately, plus the monthly fee, the terminal cost, the minimum monthly charge and the length of the contract, before anyone books a call.
- Ask what the rate is on business and foreign cards. It is the most common reason a statement comes back higher than the quote.
- Providers that do publish a rate are listed in the full list.
Who this page is not for
This is not a review. We have not used Tyl by NatWest, we hold no opinion on its hardware or its support, and nothing here is a recommendation. It answers one question: what the published price turns into as a share of card sales.
Sources
- Tyl by NatWest pricing page — every figure on this page. checked 2026-08-25
- Ownership source. checked 2026-08-25
- data.json — the row behind this page, with the source URL and check date on every figure.
Related
- Every provider we hold, and which publish a rate
- Work out your own effective rate
- The three numbers behind a card rate: the fixed fee, the flat fee and the floor
- How these figures are produced
Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.