Tyl Payit™ Integration

As a Tyl business, will my customers be able to claim refunds if they have paid via Payit?

Yes. Payit refunds (or ‘payments out’, ‘returns’ or ‘return transactions’) are now available. You can refund Payit transactions via the virtual terminal in exactly same way as card refunds. The section on refunds in our Merchant Terms and Conditions will apply.

To issue a Payit refund, log into your virtual terminal and select the original Payit sale. Then choose how much you want to credit back to your customer. The refund amount cannot be more than the original Payit sale amount.

Please note that these refund transactions will appear in your Tyl Portal and your virtual terminal.

What are the transaction fees for Payit sales?

For every successful Payit transaction, your business will pay a fee of 0.3% of the total value of the transaction, plus a fixed fee per transaction of £0.03 (or ‘3p’). For large transactions, the maximum fee you’ll pay for a single transaction is £3, regardless of the size of the sale. Refunds (‘payments out’, ‘returns’ or ‘return transactions’) will be free.

Are the Payit with Tyl fees different to credit/debit card fees?

Here’s a handy chart (‘Payit (standalone)’ refers to the Payit application offered by NatWest Group):

As a customer (making a purchase from a business using Tyl and Payit), how will Payit transactions show up on my records?

A Payit sale will show up in your records as ‘Tyl by NatWest…’ along with the first 10 characters of the business’s trading/account name. This is because Payit transactions are processed differently to card transactions; so payments flow to National Westminster Bank plc and then on to the business you’re buying from.

As a Tyl business, can I opt out of offering Payit as a payment method?

To opt out or remove Payit as an payment method from your Tyl services, simply get in touch with the Tyl helpdesk. We’ll start the process to remove Payit from your services, which should take less than 72 hours to complete.

Can I add Payit to more than one website/e-commerce outlet?

Yes, just get in touch with the Tyl helpdesk and we’ll start the process to add Payit to all your online outlets. This usually takes less than 72 hours.

As a Tyl business, can I add Payit to my card terminal(s) as a payment option?

No. Payit is an alternative online payment option for e-commerce outlets and cannot be added to physical card terminals.

How does Payit work?

Payit uses Open Banking APIs (Application Programming Interface – software that allows two separate computer programs communicate) to enable payments without exchanging account details. This is achieved by a customer authorising us, through their bank's secure identification process, to initiate a payment on their behalf by making a secure API call to their bank account provider.

With Payit being offered through Tyl, your customers can choose to pay you via this handy service. We do this by integrating Payit payments as an option in the Tyl payment gateway (your 'checkout’). We then receive payments made via Payit on your behalf, then settle those payments into your bank account the next business day, as a combined payment.

Here’s how the process works, step by step:

1. Your customer wants to check out and selects Payit as the payment option (in our hosted payment page)
2. Your customer is automatically directed to Payit’s bank selection page and your customer is asked to select their bank
3. Payit links to your customer’s bank (via an API) and connects them to their banking website or mobile app
4. Your customer authorises Payit to make a payment. They authenticate with their bank to open a secure connection between Payit and their bank account provider. Their bank sends payment consent and redirects to Payit
5. Payit sends a payment request to your customer’s bank and receives a payment ID in return confirming a “Faster Payment” has been initiated
6. The customer is shown confirmation of payment by Payit and control is handed back to your website
7. Payit sends payment status to us
8. We redirect the customer to the Payment Confirmation page

Is Payit an app?

No. Payit is NatWest's open banking payment solution that is now of part of Tyl's service. So, once you opt for Payit, we will add it as an alternative payment option to the hosted payment page. So, your buyers can use Payit for paying you for their purchases through their desktop. laptop. mobile or tablet.

Can Payit be integrated into an app?

Tyl does not currently support an app integration.

Does Payit have to be used on a mobile/tablet or can I use it on a browser?

Payit can be used on a web browser, although the experience will be even smoother on a mobile device. Customers will need to sign into their online banking to use Payit via a web browser.

Which banks/account providers can customers currently pay from through Payit?

• NatWest Group (including RBS and Ulster Bank NI)
• Barclays Bank
• HSBC Group (including First Direct)
• Lloyds Banking Group (including Bank of Scotland and Halifax)
• Nationwide Building Society
• Santander UK
• Monzo
• Revolut
• TSB
• Allied Irish Bank NI

Where can I find out more about Payit and Open Banking?

NatWest is still in the launch phase of Payit and we’ll give more information soon, but you can read more about Open Banking here.

What technical standards has Payit been tested to?

Payit has been tested robustly to ‘bank grade’ standards. This includes, but is not limited to:

• User Acceptance testing
• Accessibility testing
• System integration testing
• Penetration testing
• Security testing

All new features and releases are comprehensively tested in a number of environments before changes are released to customers. Payit conforms to the ‘UK Open Banking standard for PISP payments’.

Do I need to have an account with the NatWest Group to use Payit?

No, neither you, your business or your customers have to bank with NatWest Group to use Payit. You can use Payit as part of your overall Tyl service.

Is Payment Card Industry Data Security Standard (PCI DSS) relevant to Payit?

PCI DSS is only relevant to the capture of debit or credit card information, and as Payit does not capture these details PCI DSS is not applicable.

However, if also you accept debit and credit card payments then PCI DSS does apply to these transactions. Your obligations under PCI DSS are detailed in your Merchant Terms and Conditions.

Do we need to be registered with FCA or with Open Banking Implementation Entity as a PISP?

No, you don’t. NatWest is registered with the FCA and on the Open Banking Directory as a PISP (Payment Initiation Service Provider).

How do I know if a Payit payment is successful, so I can release goods or services?

You can check the confirmation status of Payit transactions on your Virtual Terminal.

You must ensure the Payit transaction is successful in your Virtual Terminal prior to shipping any goods/services to your customers.

How long does it take for me to receive my Payit payments?

Our settlement process for Payit transactions has been aligned to match your existing card payments, so all Payit transactions are settled to you on the next business day as a bulk payment.

In a very small number of cases, the paying customer’s bank may withhold a payment prior to its release (for example, to perform checks on suspected fraudulent transactions). In this scenario, Payit will return a “Pending” status to you. You can check on this in the Virtual Terminal. Tyl will continue to contact the customer’s bank for updates for up to 6 days, after which point the payment will be declined and marked as “Failed” in your Virtual Terminal.

What should I do if I have any issues with payments?

Please contact the Tyl helpdesk. The Tyl helpdesk is available from 9am—Midnight Monday to Saturday, and 9am—5pm on Sunday.

• Email: [email protected]
• Webchat: https://www.tylbynatwest.com/h...
• Telephone: 0345 901 0001

Will Payit be able to offer customers lines of credit?

No, Payit does not offer customers lines of credit.

Can we receive international payments through Payit?

No, only UK payments can be made via Payit and you cannot receive international payments.

What currency can Payit payments be made in?

Payit payments can currently only be made in GBP (£ Sterling).

Are Payit charges subject to VAT?

No. Transaction charges are exempt from VAT

Can Payit payments be made from business bank accounts?

Yes, Payit payments can be made from business bank accounts with Payit, but please check the Payit bank list to see if your business account provider is available through the service. However, Payit only allows for immediate Faster Payments with a single authorisation, so business accounts with multiple authorisation levels will not be able to authorise payments through Payit.

How does Payit payment status and reconciliation work?

For each and every Payit transaction performed, we will show its status as either “Approved” or “Declined” in your Virtual Terminal. If there is a “Pending” status , this means the payment is still in progress within the Open Banking system. Payit transactions are usually near instant, but delays can occur for several reasons, such as when a bank places a Payit payment in a fraud queue for additional checks.

Please use your Virtual Terminal to check the status of Payit sales. Tyl will continue to contact the customer’s bank for updates for up to 6 days, after which point the payment will be declined and marked as “Failed” in your Virtual Terminal. If you do not see a status update for a transaction, or are unable to verify the status of a transaction for any reason, then please contact the Payit helpdesk for support.

How does Payit reconciliation work?

Transactions via Payit and via card are handled very similarly in Tyl in most cases, settlement will be by a payment to your nominated bank account the business day after we receive the funds, as agreed in your Merchant Terms and Conditions. Transactions we receive for both payment methods will appear in your Tyl Portal and in your Virtual Terminal in the same way.

After each day’s trading, we’ll run our end-of-day settlement and:

1. calculate the combined value of the successful Payit transactions and the card payments you’ve received, (net of any applicable fees*) from your customers during the day, then
2. deduct the combined value of successful card refunds you’ve made to your customers (and any chargebacks raised by their card issuer), then
3. pay this into your bank account the next business day as one combined payment.

*If you’ve chosen to receive net settlement, then the settled amount will also be net of any applicable fees; otherwise will invoice them to you at the end of the billing cycle.

You can view all transaction details on your Tyl Portal. You can also view and download your sales, settlement information and invoices within your Tyl Portal and Virtual Terminal.

Are Payit customers eligible for customer protection, similar to what they would have with a credit card payment?

Payit uses Open Banking APIs to make payments, via the UK’s the Faster Payments Service. Customers buying your goods/services and paying via Payit don’t benefit from the same level of protection as those available to them when paying by direct debit, credit or debit card. (Please note: we do not offer direct debit payment acceptance via Payit, and only mention it here for comparison purposes.)

If the customer is using Payit to purchase goods or services and has any queries in relation to their order, they should contact you directly to resolve.

If there is a dispute (e.g. goods not as described or goods not received) and this cannot be resolved easily between yourself and the customer, then the customer may have the right to seek compensation through the following:

• legislative protections (e.g. Consumer Rights Act 2015)
• common law (e.g. claim for breach of contract)
• retailer protections (e.g., returns policy)
• personal insurance

Currently, there is no concept of a transaction chargeback within Payit.

Payit is a new way of paying. Will customers want to use Open Banking payment methods?

As Open Banking is a new method of making payments, we anticipate growth over time as customers begin to understand and gain confidence across the industry.

Tyl will work with merchants such as you, to educate and encourage your customers to try Payit. The more they use it, the more comfortable they will get with Payit, until it becomes as familiar as any other payment method.

Is there a limit on how much a customer can pay with Payit?

There may be a limit on how much the customer’s bank allows them to spend via Payit. This is set by the bank and is not a limitation placed by Payit.

As a consumer/shopper, how much does it cost to use Payit?

Payit does not charge the end customer to make payments, although the business (the merchant) the customer is buying from will be charged a transaction fee.

What if the customer’s bank is not listed?

Payit is already connected to a number of major UK banks and the list of banks on offer is always growing. Customers should check Payit regularly, as their account may be supported by your bank soon.

Where will customers see what purchases they have made with Payit?

Any payments customers make via Payit will be reflected on their bank statement.

Why is “Tyl by Natwest” shown as Payee on my customer’s paperwork/system?

E-commerce business owners have appointed National Westminster Bank plc trading as ”Tyl by NatWest” as their agent to receive Payit payments on their behalf. Thus, rather than receiving your (buyer's) Payit payments directly into their own bank accounts, the payment proceeds are collected by “Tyl by NatWest” and settled with business owners the next business day. This means “Tyl by NatWest” is the payee in respect of your purchase transactions.

A customer tried to make a payment with Payit, but the transaction did not go through. How can they know if the funds have been taken?

If Payit advised the payment was cancelled or failed, then no funds should be taken. If the payment is in progress or they are unsure if it was successful, we suggest they wait for a few hours, then check their online or mobile banking again to see if it has or hasn’t gone through. If there is still an issue, they should contact their bank.

What if the page isn’t accessible/doesn’t look right/doesn’t work properly on my customer’s browser?

Payit has been tested with most mainstream desktop browsers and mobile devices, but older handsets may have issues. Please be assured that the Payit service is safe and secure, and your transaction should still work in just the same way.

The customer has their banking app on their mobile device, but it will not open. What should they do?

1. Make sure they have the latest version of the banking app, by checking their device’s App Store for an update
2. They should contact their bank if they have ongoing issues using their bank app
3. They can try accessing their bank account app via the web using their mobile browser

What happens if a customer experiences any of the following issues?

• They keep getting a fault when trying to make a payment
• They can’t get any further than the bank selection screen
• The journey has timed out
• They’re getting error messages in the journey

We suggest the customer waits for an hour or two, then check their online or mobile banking again to see if it has through. If there’s still a problem, they should contact their bank.

How does Payit keep sensitive information secure?

Payit only collects data on you relevant to transactions being undertaken in our service. Customers are required to provide consent to make a Payit payment and no customer confidential data is stored by Payit or passed to you.

The data we store on you (such as account information, contact details and billing information) is used solely for the setup and/or the running of our service, and is all stored securely by us.

We don’t store any readable customer-identifiable data. We’ll always encrypt this data before storing.

What should my customers do if they experience any other issues with a Payit payment?

You are being provided with these FAQs to help you support your customers with any queries. Your customers should not contact our helpdesks themselves, as we are unable to respond to their queries directly and will need to refer them back to you.