Tyro BYO App
Tyro BYO App turns an Android phone or iPhone into an EFTPOS terminal for contactless payments, without a physical terminal or reader.
What Tyro BYO App is
Tyro BYO App turns an Android phone or iPhone into an EFTPOS terminal for contactless payments, without a physical terminal or reader. It accepts major credit and debit cards and digital wallets such as Apple Pay and Google Pay; those wallet transactions can be tracked in the app. Tap to Pay on iPhone requires an iPhone XS or later with iOS 16.4 or later. Android requires an NFC-enabled device running Android 9.0 or later. Mobile connectivity is required, and Tyro notes that some contactless cards may not be accepted. The company says transactions use advanced encryption and meet PCI security standards. Funds may arrive as soon as the next business day, subject to settlement conditions and exclusions. Tyro lists integration with more than 580 POS/PMS systems and Australian-based 24/7 support at 1300 00 8976. The listed charge is $1.30, paid once, billed at 1.3% per transaction including GST, with no set-up or hardware fees. Approval depends on internal assessment and verification.
Good
- No physical reader required
- Accepts cards and digital wallets
- Integrates with over 580 POS/PMS systems
- Advanced encryption and PCI compliance
- Next-business-day funds may be available
Watch out
- Mobile connectivity is required
- Some contactless cards may not work
- Approval requires internal assessment
- Charges 1.3% per transaction
Who it suits
The app suits small and mobile Australian businesses that need contactless acceptance using compatible phones. It requires mobile connectivity and supported hardware.
Verdict
Tyro BYO App offers phone-based contactless acceptance for businesses that meet its device and approval requirements. Its POS integrations and wallet tracking add operational support, while connectivity and card-acceptance limits remain important constraints.
Plans and prices
From Tyro BYO App's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Tyro BYO App | $1.30, paid once | No set-up or hardware fees · approval subject to internal assessment and verification · 1.3% per transaction (inc. GST) |
The facts
Each one read from Tyro BYO App's own pages, with the date it was checked.
Where it runs
- Android support
- Tap to Pay on Android requires an NFC-enabled device running Android 9.0 or later.checked 7 Oct 2026
- POS integrations
- Tyro says it integrates with over 580 POS/PMS systems.checked 7 Oct 2026
What it does
- Card acceptance limit
- Tyro says some contactless cards may not be accepted by the BYO App.checked 7 Oct 2026
- Connectivity limit
- The BYO App requires mobile connectivity to use.checked 7 Oct 2026
- Intended users
- Tyro describes Tap to Pay on iPhone and Android as suited to small and mobile businesses.checked 7 Oct 2026
- iPhone support
- Tap to Pay on iPhone requires iPhone XS or later running iOS 16.4 or later.checked 7 Oct 2026
- Payment methods
- It accepts major credit and debit cards and digital wallets, including Apple Pay and Google Pay.checked 7 Oct 2026
- Purpose
- The app turns a phone into an EFTPOS terminal for accepting contactless payments without a physical terminal.checked 7 Oct 2026
- Security
- Tyro says BYO App transactions use advanced encryption and comply with PCI security standards.checked 7 Oct 2026
- Settlement
- Tyro says funds may be received as soon as the next business day, subject to the stated settlement conditions and exclusions.checked 7 Oct 2026
- Support
- Tyro advertises Australian-based 24/7 support and lists phone number 1300 00 8976.checked 7 Oct 2026
- Transaction tracking
- Apple Pay and Google Pay transactions can be tracked within the BYO App.checked 7 Oct 2026
The company
- Company
- Tyro says it was founded in 2003 and serves merchants across Australia.checked 7 Oct 2026
- Founded
- 2003checked 28 Sep 2026
- Headquarters
- Sydney, New South Wales, Australiachecked 28 Sep 2026
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