No. You will not need to apply for a payment device(Tyro or otherwise) in order to use Tyro Accounting. You can continue to use the accounting features, connect your bank accounts via Open Banking, reconcile transactions, and manage reporting without having a physical payment device. A payment device is only required if you want to accept in-person card payments at your location. If you already use a payment device and want to keep taking payments, you can choose a Tyro EFTPOS machine as part of your upgrade, but it is not mandatory for Tyro Accounting itself.