Small Business Payment Solutions

Helping businesses get paid

From beauty salons to online boutiques, dentists to craft breweries, and anything in between, Tyl’s here to help you get paid.

Payment methods to suit you

In store, over the phone or through online card payments, we’re making it easier for your customers to pay you. Fast, secure payments for you and your customers.

In safe hands

Tyl’s backed by NatWest, one of the UK's biggest and best-known banks, with decades of experience delivering for British businesses. You’ll be in safe hands every step of the way.

Already an FSB member? Log in to your member dashboard to learn more about this benefit.

We’ve got your payments covered

Everything you need. A wide range of ways to get paid, simple billing, next-business-day settlement and constantly updated sales data on the Tyl Portal. What’s not to like?

Cut your costs. We’ve found that 8 out of 10 businesses could save on fees with Tyl*. Whatever your line of business, we’ll do everything we can to cut your costs and rev up your revenues.

Micro solutions to suit your needs. Does your business have a card turnover below £50,000? No problem. We provide a range of options – just choose the one that suits you best.

^{*Savings based on customers looking to switch from various providers to Tyl between January and December 2023. Your existing provider may charge an exit fee. Average savings not inclusive of introductory offers or any exit fees you may have been charged. Additional fees may apply for data usage or app downloads. Tyl eligibility criteria, terms, conditions and fees apply.}

More reasons why it’s time for Tyl

Keep fees to a minimum

No monthly minimum service charge and no extra charges for refunds or phone, international card or e-commerce payments.

New ways to get paid

Try a new way to get paid by sending a secure payment link. It’s so simple for your customers to use – just send it to them by email, text or social media, or add it to your invoice.

Customer insights

Think Tyl’s just about payments? Think again. Our completely free Tyl Portal is a powerful tool that helps you track your sales, identify business trends and keep on top of all that admin.

Exclusive rewards for FSB members

Want an extra incentive to choose Tyl? If you’re an FSB member you can receive £100 or £50 rewards credited to your account**.

_{**Incentives are only payable to members with an active FSB membership number and new customers who have not had an account with Tyl in the 12 months prior to their application. All incentives may be withdrawn at any time. Sign-up incentive is paid as a Tyl statement credit after processing £5,000 worth of card transactions. Sign-up bonus is based on stated annual card turnover – £50 for processing up to and including £50,000 worth of card transactions, £100 for card turnover greater than £50,000. Each year of your Tyl Merchant Agreement, if your business has processed more than £50,000 annual card turnover with Tyl, we’ll pay a further £50 as above.}

Start your membership today

Unlock big savings on business essentials when you join the Federation of Small Businesses. FSB Payments is just one of many member benefits designed to help small business owners like you to succeed.

Join now

Frequently asked questions

What is a merchant account?

A merchant account lets you accept and process credit and debit card payments. It's like a regular business bank account, except it’s dedicated to receiving funds from credit and debit card transactions.

What’s the Payment Card Industry (PCI) Data Security Standard?

PCI compliance protects your business and your customers against data breaches. When a customer is completing a transaction, you're processing sensitive payment information that needs to be kept safe. All merchants and service providers must comply with the PCI DSS.

guidance on protecting data
peace of mind for customers
safeguarding against financial fraud
avoid penalties for non-compliance

Does my business need to be PCI compliant?

Yes, your business needs to be PCI compliant if it accepts debit, credit, or even cash cards as a form of payment. This applies to businesses of all sizes.

Are small businesses taking more card payments?

The number of card payments has shot up in recent years for two main reasons:

Customer preference: people are carrying less cash and increasingly prefer the ease and convenience of cards. This trend has been in place for years, and the pandemic only accelerated it.
Better technology: processing card payments has become easier and more affordable for small businesses. There are many payment processing services available that offer competitive rates and a user-friendly experience.

Within card payments, the proportion of chip-and-pin transactions is falling, while contactless payments are becoming increasingly common.

Can having a card payment solution increase my business?

Definitely. It can help in several ways.

Increased sales: studies show that businesses generally experience a significant increase in sales when they start accepting card payments. Nowadays many people don’t carry cash so if there’s no option to pay with card they can’t make a purchase.
Improved customer experience: most people appreciate the convenience and speed of card transactions. They can lead to shorter queues at checkout and a more positive overall experience, increasing the likelihood of repeat business.
Wider customer base: by accepting cards, you open your business to a larger audience, particularly those who prefer card payments. This can be especially important if you’re trying to attract younger customers and online buyers.
Increased credibility: many customers perceive businesses that accept cards as more established and trustworthy than those that don’t. Offering card payments can enhance your professional image.
Improved cash flow: card payments are typically processed electronically, which means your money will be in your bank account more quickly than with cheque or cash payments.

What are the best ways take card payments as a small business?

The best way depends on your specific needs and situation. Here are some of the options you can choose from.

In-person transactions: merchant account & point-of-sale (POS) system – this is a traditional set-up that’s ideal for brick-and-mortar stores. You'll need a merchant account to handle transactions and a POS system to manage your sales, inventory and customer data. Many POS systems integrate with payment processors, offering a one-stop shop to help you manage your business.
Mobile card reader: this is a cost-effective option for businesses on the go or with limited counter space. Mobile readers connect to your smartphone or tablet and enable you to accept card payments through an app.
Contactless payments: these are becoming increasingly popular. Customers simply tap their card or phone on the reader to make a quick and secure transaction. Most POS systems and mobile readers offer contactless payment options.
Online transactions: payment gateway – if you sell online, you'll need a payment gateway to connect your website to a payment processor. This enables your customers to securely enter their card details during checkout.

Payments