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Tide

Tide

UK small businesses, sole traders and freelancers who want a business account plus in-person and online card acceptance in one app.

VS

A-Pay

Global Multi-Currency Payment Gateway

A-Pay
Fees from
Card Reader Device Fees: 1.5% + 5p (Pay As You Go, £0), 0.89% + 3p (Sell In-Person Essential, £17.99), 0.69% + 3p (Sell In-Person Premium, £19.99); Tap to Pay Transaction Fees: 1.5% +11p / 0.89% +9p / 0.69% +9p. Tide Card Reader from £29+ VAT; Tide Card Reader Plus from £49+ VAT. vs Custom
Features

0 shared

5 unique to A-Pay
Regions

0 shared

6 unique to A-Pay
Pay methods

4 shared

2 unique to Tide · 15 unique to A-Pay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
5 features · 21 payment methods · 6 regions. We don't rank these — they're here for reference.
Tide Tide
A-Pay A-Pay
Quick Facts
Fees
Standard transaction rate
Card Reader Device Fees: 1.5% + 5p (Pay As You Go, £0), 0.89% + 3p (Sell In-Person Essential, £17.99), 0.69% + 3p (Sell In-Person Premium, £19.99); Tap to Pay Transaction Fees: 1.5% +11p / 0.89% +9p / 0.69% +9p. Tide Card Reader from £29+ VAT; Tide Card Reader Plus from £49+ VAT.
Custom
Settlement
Time to receive funds
Enjoy next business day settlement on your card and online payments at no extra cost
1–2 business days
Founded
—
2021
Headquarters
—
India
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
A-Pay leads (5 vs 0)
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
A-Pay leads (19 vs 6)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Crypto Unique
—
✓
Google Pay
✓
✓
Ideal Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Mobile Money Unique
—
✓
Open Banking Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Sepa Unique
—
✓
Sofort Unique
—
✓
Upi Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
A-Pay leads (6 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
Southeast Asia Unique
—
✓

Tide is best when you...

UK small businesses, sole traders and freelancers who want a business account plus in-person and online card acceptance in one app.
View Tide

A-Pay is best when you...

Global Multi-Currency Payment Gateway
Need Crypto Support
Not available with Tide
Need High Risk Accepted
Not available with Tide
Want coverage in Africa, Asia, Europe, Latin America, Middle East, Southeast Asia
Tide doesn't cover these regions
View A-Pay

Frequently Asked Questions

What is the difference between Tide and A-Pay?
They share 4 payment methods and 0 regions. Tide adds Contactless, Open Banking that A-Pay does not list; A-Pay adds ACH, Alipay, Amex and 12 more that Tide does not list; A-Pay also covers Africa, Asia and 4 more; only A-Pay offers Crypto Support, High Risk Accepted and 3 more.
Which is cheaper, Tide or A-Pay?
Tide has published rates from Card Reader Device Fees: 1.5% + 5p (Pay As You Go, £0), 0.89% + 3p (Sell In-Person Essential, £17.99), 0.69% + 3p (Sell In-Person Premium, £19.99); Tap to Pay Transaction Fees: 1.5% +11p / 0.89% +9p / 0.69% +9p. Tide Card Reader from £29+ VAT; Tide Card Reader Plus from £49+ VAT.; A-Pay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Tide and A-Pay?
Tide lists 0 regions and 6 payment methods; A-Pay lists 6 and 19. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Tide and A-Pay compare on integration and settlement?
A-Pay offers a sandbox, Tide does not list one; A-Pay supports webhooks; Tide settles in Enjoy next business day settlement on your card and online payments at no extra cost, A-Pay in 1–2 business days.

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