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

Adyen

Platforms & Marketplaces

Adyen
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 Interchange + + $0.3
Features

0 shared

3 unique to Adyen
Regions

0 shared

8 unique to Adyen
Pay methods

4 shared

2 unique to Tide · 33 unique to Adyen
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
3 features · 39 payment methods · 8 regions. We don't rank these — they're here for reference.
Tide Tide
Adyen Adyen
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.
Interchange + + $0.3
Settlement
Time to receive funds
Enjoy next business day settlement on your card and online payments at no extra cost
1–3 business days
Founded
—
2006
Headquarters
—
Amsterdam, Netherlands
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Adyen leads (3 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 6)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Open Banking Unique
✓
—
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania 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

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with Tide
Need Instant Payout
Not available with Tide
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Tide doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between Tide and Adyen?
They share 4 payment methods and 0 regions. Tide adds Contactless, Open Banking that Adyen does not list; Adyen adds ACH, Affirm, Afterpay and 30 more that Tide does not list; Adyen also covers Africa, Asia and 6 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Tide or Adyen?
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.; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Tide and Adyen?
Tide lists 0 regions and 6 payment methods; Adyen lists 8 and 37. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Tide and Adyen compare on integration and settlement?
Adyen offers a sandbox, Tide does not list one; Adyen supports webhooks; Tide settles in Enjoy next business day settlement on your card and online payments at no extra cost, Adyen in 1–3 business days.

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