What is Tap to Pay?

Do you need to be a NatWest customer to use NatWest Tap to Pay?

You do not need to bank with NatWest to use Tap to Pay, but you do need to be signed up to Tyl by NatWest. Tyl by NatWest can be set up to pay into/out of any UK bank account, and the NatWest Tap to Pay app will automatically send transactions to your Tyl account.

Is there a fee for using NatWest Tap to Pay on Android?

NatWest Tap to Pay on Android app is currently free to download and use (standard Tyl fees, including transaction fees, apply).

Is NatWest Tap to Pay secure?

Yes. Security is very important at Tyl. Here are some ways we protect you and your business:

Encryption
Every time a Tap to Pay payment is made, the encryption changes, making it extremely difficult for a hacker to take advantage. Even if they manage to decipher a code, it’ll be too late as it’s only valid for one transaction.

Tokenisation
When a contactless payment is made, an algorithm generates a unique random value, which replaces your customer’s primary account number. The value, also called a token, passes safely through the internet, without exposing the customer’s credit card details.

Two-factor authentication
Apple Pay and many other mobile payment methods ask you to set up two-factor authentication to verify each transaction with a Face ID, PIN, or fingerprint. So, even if your phone is lost or stolen, there’s no way someone else can use it for payment.

What smartphone or device can I use the Tap to Pay app on?

You can use any Android phone or tablet running operating system (OS) 11 or higher. You’ll also need NFC (Near Field Connectivity) capability. Details of OS and NFC can be found in your device’s settings.

What payment types can I accept with NatWest Tap to Pay on Android?

With NatWest Tap to Pay on Android, you can accept in-person contactless payments right on your iPhone including credit/debit cards and digital wallets such as Apple Pay or Google Pay.

Tyl by NatWest currently accepts Mastercard, Visa and Discover® Global Network. Acceptance of American Express is expected soon.

What are the terms and conditions of using Tap to Pay?

Please check the NatWest Tap to Pay terms and conditions here.

I’m a sole trader and I don’t have a registered business number. Can I still apply for Tap to Pay on Android?

Yes, we’d love you to join the Tyl family. We’ll just need to see some additional documentation to process your application and check everything is in order.

Please have the following documents ready to provide after you've submitted your application:

• A copy of a recent utility bill in your trading name (e.g. phone, internet, gas, electricity, water)
• A copy of your VAT registration (if applicable)
• A copy of your business accounts or tax return (if applicable)
• Previous 6 months personal/business bank account statements
• A copy of a current Public Liability or Personal Indemnity insurance policy
• Confirmation of Regulatory Body or Membership of Professional/Trade Association (If applicable)

Note: If you do have a registered business number because you are a limited company or Limited Partnership, you don’t need to provide the above additional documents.