Tyro BYO App review
A practical Tap to Pay option for Australian Tyro merchants, with no offline or recurring payments.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Tyro BYO App turns a compatible iPhone or Android device into a contactless EFTPOS terminal for Australian businesses using Tyro payments. Merchants can accept Mastercard, Visa, eftpos, American Express, Apple Pay, Google Pay and Samsung Pay without a physical payment machine. The app also supports digital receipts, transaction history, receipt resending and next-day payouts, making it suited to businesses that want phone-based acceptance alongside Tyro’s payment services.
Pricing is transaction-based, with no setup or hardware fees listed for the Tyro BYO app plan. Published pricing shows 1.3% per transaction including GST, while an iPhone-specific page states 1.4%, so the applicable rate depends on the relevant product or page. The app supports iOS and Android and can connect with Tyro EFTPOS terminals, giving existing Tyro merchants a way to combine mobile acceptance with terminal-based payments. Real-time reporting, digital receipts and surcharging add useful operational controls without requiring separate payment hardware.
The strongest fit is a connected Australian business that takes in-person contactless payments and wants a phone-based alternative to a physical EFTPOS machine. Dynamic surcharging and Tap & Save least-cost routing extend its payment-management features beyond basic Tap to Pay. However, mobile connectivity is required, and the app does not handle offline or recurring payments. Businesses needing payment acceptance without a live connection, or those billing customers on a recurring schedule, should consider an alternative with those capabilities. For Tyro merchants focused on contactless, wallet and card payments at the point of sale, the feature set is focused and practical.
Tyro BYO App pros and cons
- Where it wins
- Accepts cards and major digital wallets on iPhone or Android
- Includes digital receipts and real-time transaction reporting
- Supports dynamic surcharging and least-cost routing
- Where it doesn't
- Requires mobile connectivity for payment processing
- Does not support offline payments
- Does not support recurring payments
Tyro BYO App fact sheet, pricing and score →
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