Get started with Tap to Pay on Android

What is NatWest Tap to Pay on Android?

NatWest Tap to Pay on Android enables Tyl businesses to take card payments directly on their NFC-enabled smartphone or devices without the need for any additional software or hardware.

Find out all you need to know about NatWest Tap to Pay in our handy user guide.

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.

What are the requirements for merchants to use Tap to Pay on Android?

You can use any Android phone or tablet running operating system (OS) 10 or higher, with a base OS of at least 8.1 (released 2017/18). You’ll also need NFC (Near Field Connectivity) capability. Details of OS and NFC can be found in your device’s settings.

What types of contactless payment methods can a business accept with Tap to Pay on Android?

You can accept contactless debit and credit cards including Visa, Mastercard as well as Apple Pay, Google Wallet and other digital wallets.

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

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

Is Tap to Pay safe?

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.

Where are the payments I accept with NatWest Tap to Pay deposited?

NatWest Tap to Pay is part of your Tyl suite of payment services, and works in the same way as our other ways to be paid (card readers, online, phone payments, and so on). So, your NatWest Tap to Pay sales all go to your Tyl account and are settled (paid) into your nominated bank account the next business day.

What should I do if I don’t receive my daily settlement?

You should get your daily settlement by the end of the next business day after the transactions took place. Occasionally there'll be delays, for example if a customer's raised a dispute or asked for a refund. If your settlement hasn't landed in your account give us a call on 0345 901 0001 and choose option 3, then option 2. We'll help you get it sorted.

What do I do if the payment requires the customer to enter a PIN code?

The need to enter a PIN code can be triggered if:

• the payment exceeds the contactless limit (currently £100 in the UK)
• the card issuer (such as their bank) requires additional security from the cardholder

NatWest Tap to Pay and Tyl support PIN entry in several ways:

If your customer pays with a card that supports online PIN, a PIN entry screen will appear on your phone, where the customer can enter their code.

If your customer is paying with a card that must be inserted into a reader, ask your customer if they have another card or a mobile wallet (Apple Pay, Google Wallet or Samsung Pay) to make the payment.

If you have another Tyl card reader, you can use this to complete the payment instead.

Do I need an internet connection?

Yes, in order to process transactions, you’ll need an internet connection via WiFi or data coverage (minimum 3G speed).

What is 'NFC'?

NFC stands for 'Near Field Communication', which allows NFC devices to talk to each other when in very close proximity (under 10cm).

Why can’t my phone read a contactless card?

Make sure your device has NFC and that it is switched on. This can be checked in your phone's settings.

How should I position the customer's card? Where is my NFC sensor located?

Your NFC sensor is located on the back of your device.

What's the range of NFC?

The maximum is around 10cm, but most devices work best at under 4cm - this helps with security. Also, don't just 'tap and go' - you need to hold the devices close for a few seconds.

I can’t log in.

Please make sure you are entering the correct credentials.
If you are still experiencing trouble logging in, please, try clearing the cache for the app:

• Open the Settings on your device
• Go to Apps menu
• Go to your installed apps
• Find NatWest Tap to Pay and select it
• Go to the Storage tab
• Click on Clear Cache/Storage
• And then try to log in again.

If you're still having difficulty, drop us a line at [email protected] .

I have forgotten my password. What should I do?

On the login screen, right under the fields for your credentials, there is a 'Forgot your password?' button. Tap that.
We'll send you an email with a link to reset your password.

Check your inbox and follow the instructions in the email.
For more help

• email us at [email protected]
• call 0345 901 0001

What external integrations does Tap to Pay app support?

Currently the Tap to Pay app does not support any external integrations like accountancy, stock/inventory, but more is planned for the future.

How do I add a staff member to my Tap to Pay account?

You can add multiple staff members as 'Cashiers' to your account, so they can use Tap to Pay on your behalf on their own devices.

To add staff:

1. Call Tyl helpdesk with your Merchant ID number handy and ask to add a cashier to Tap to Pay. merchant

2. We'll ask for:

• Staff member's full name.
• Their email address which will be used to register to the app.
• Their Gmail/Google mail address to add them to the pilot account on the Google Play store (the app is only visible to registered email accounts).

3. We'll send your staff member a notification email and a separate password email. These will guide them through the next steps - download and login.

What information about my business will my staff have access to through the Tap to Pay app? For example, can staff see details of turnover totals or company profits?

Your staff (as 'Cashiers' in the app) will only have access to view their own transactions on the app. They will not be able to change any Tap to Pay or Tyl settings, or view the transactions of anyone else in your company.

Do I need to have a NatWest bank account to use NatWest Tap to Pay? Will it connect to accounts with other banks?

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 Tap to Pay app will automatically send transactions to your Tyl account, which'll then pay (settle) to your nominated bank account the next business day.

How do I take a payment/make a sale with NatWest Tap to Pay?

On the Tap to Pay app:

1. Tap 'Sale'.
2. Enter the amount.
3. Press 'Confirm'.
4. If you've enabled the Tip/Gratuity function (if not, skip this point), you can now enter the tip either as an amount or choose a percentage. Once you're happy with the amount, tap 'Tip'.
5. The contactless tap icon and the amount will appear on screen. Show this to the customer, and have them tap and hold their payment card (or device) to the back of your phone (where the NFC sensor is).
6. One the card is read successfully, the screen will display a 'Card read successful' message.
7. The 'Payment successful' message will appear and give you the option of sending or printing a receipt or showing a QR code to the customer to access their receipt.

Please refer to the Tap to Pay user guide for more details

How do I process a refund?

On the Tap to Pay app:

1. Tap 'Transactions'.
2. Search for the sale you want to refund from the list. You can filter the list by date, type and status, if necessary.
3. Once you find it, tap on the transaction.
4. If the transaction hasn't been void or fully refunded, you will see options to refund.
5. Tap 'Refund'.
6. Enter the value of the refund up to the full amount paid (you can do partial refunds), and hit 'Refund'.
7. The contactless tap icon and the amount will appear on screen. Show this to the customer, and have them tap and hold the payment card (or device) they used to make the original payment to the back of your phone (where the NFC sensor is).
8. One the card is read successfully, the screen will display a 'Card read successful' message.
9. The 'Payment successful' message will appear and give you the option of sending or printing a reciept or showing a QR code to the customer to access their receipt.

Please refer to the Tap to Pay user guide for more details

Can I refund a Tyl transaction that hasn't been taken through Tap to Pay?

Tap to Pay only alows refunds on transactions that have been processed through Tap to Pay. The owner can process refunds on any Tap to Pay transactions across their business, but a staff member (with 'Cashier' access) can only perform refunds on transactions taken on their device/account.

How do I void a transaction?

On the Tap to Pay app:

1. Tap 'Transactions'.
2. Search for the sale you want to void from the list. You can filter the list by date, type and status, if necessary.
3. Once you find it, tap on the transaction.
4. If the transaction hasn't been voided or fully refunded, you will see options to void.
5. Tap 'Void'.
6. The void screen will show the details of the transaction to be voided.
7. Press 'Void'.
8. A confirmation message will pop up. Tap 'Yes' to proceed, or 'No' to cancel.
9. You will not be asked for your customer's card or digital wallet to be tapped in order to process a void.
10. The 'Void successful' message will appear and give you the option of sending or printing a reciept, or showing a QR code to the customer to access their receipt.

Please refer to the Tap to Pay user guide for more details

How can I connect my printer?

On Tap to Pay app:

1. Tap on the settings 'cog' icon on the top-right of the home screen.
2. Tap 'Set printer'.
3. If your phone's Bluetooth isn't enabled, you'll be asked to turn it on.
4. Once Bluetooth is on, you'll see a list of all Bluetooth-enabled printers/devices you can connect to (make sure your printer is on and Bluetooth enabled).
5. Select your printer from the list and follow the instructions to complete setup.

With SMS (text message) e-receipts, what will my customers see on their phones?

When your customer requests an SMS receipt, you'll be asked for their mobile phone number (along with country code (UK is 44)). Once sent, the customer will receive a text on their smartphone from the SMS carrier (such as 'Credibul' or 'EE').

The text receipt will include your merchant name plus the payment/refund/void amount.

Do I need to enable permission for location access on my phone for Tap to Pay to work?

Yes, for security reasons you will need to enable location access on your smartphone for Tap to Pay to function.

1. Find the Tap to Pay app icon on your smartphone.
2. Press and hold the icon until the 'App info' option appears. Tap it.
3. In 'Permissions' (or similar), allow 'Location permission' access (allow only while using the app) and enable 'Use precise location'.

I can't seem to take a screenshot of the app, why is that?

Taking screengrabs/shots is denied in NatWest Tap to Pay to prevent recording of sensitive customer and cardholder information.

Does Tap to Pay block camera use by other apps?

Yes, this is to prevent taking photos or video of the card details during the card reading process.

Does Tap to Pay block my microphone while in use?

Yes, this is to prevent recording sensitive cardholder information.

Why are the following permissions required for Tap to Pay? NFC, location and phone?

NFC needs to eneabled in order to read contactless cards and devices. Location and Phone are needed to securely process the payments (technically speaking, they're required to pass the PCI and payment flow attestations).

Security Check Failed

If the merchant received this error message in the app, then the reasons can be different, hence please check as follows:

• Check if the device is or was rooted/tempered, hacked or is having malicious applications/software on it.Check if the Developer options is enabled and make sure it’s turned off.
• Check if the device has NFC adapter.
• Check if the device is Google certified.
• Check the Android OS version and the version of OS that the device has been manufactured with.
• Check if application has been installed from Google PlayStore.
• Check if device has stable internet connectivity (either via WiFi or mobile)

Abnormal Camera Usage

If you have received such an error message in the app, then please disable the Face recognition or increase the lock timeout on your smartphone. Also make sure there is not other application that tries to use the camera at the same time.

As part of security attestations and to make your payment more secure, regulations mandate us to prevent any other apps on your device that have camera permissions from accessing the camera whilst Tap to Pay app is in use/active. This sometimes conflicts with your other app setups and tends to give such error messages

System Monitoring Failed

If you have received this error message in the app, then please clear the app data/cache and try to access the app again. This happens usually when there is poor internet connection on your device. After the data/cache clearing step, when you login to the appm you will be prompted to enter your Username/Password again to gain access to the Tap to Pay app.

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

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