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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

Stripe

SaaS & Developers

Stripe
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 1.5%–3.15% + 1.8 SEK
Features

0 shared

6 unique to Stripe
Regions

0 shared

7 unique to Stripe
Pay methods

5 shared

1 unique to Tide · 15 unique to Stripe
On fees

Tide publishes 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. from. Stripe publishes 1.5%–3.15% + 1.8 SEK from. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Tide Tide
Stripe Stripe
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.
1.5%–3.15% + 1.8 SEK
Settlement
Time to receive funds
Enjoy next business day settlement on your card and online payments at no extra cost
2–4 business days
Founded
—
2010
Headquarters
—
South San Francisco, California
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Stripe leads (6 vs 0)
Crypto Support Unique
—
✓
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Stripe leads (20 vs 6)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Amex Unique
—
✓
Apple Pay
✓
✓
Bank Transfer Unique
—
✓
Contactless
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Mastercard
✓
✓
Open Banking Unique
✓
—
Paypal Unique
—
✓
Sepa Unique
—
✓
Stablecoin Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Stripe leads (7 vs 0)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania 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

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Tide
Need Enterprise
Not available with Tide
Want coverage in Africa, Asia, Europe, Latin America, Middle East, North America, Oceania
Tide doesn't cover these regions
View Stripe

Frequently Asked Questions

What is the difference between Tide and Stripe?
They share 5 payment methods and 0 regions. Tide adds Open Banking that Stripe does not list; Stripe adds ACH, Affirm, Afterpay and 12 more that Tide does not list; Stripe also covers Africa, Asia and 5 more; only Stripe offers Crypto Support, Enterprise and 4 more.
Which is cheaper, Tide or Stripe?
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.; Stripe has published rates from 1.5%–3.15% + 1.8 SEK. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Tide and Stripe?
Tide lists 0 regions and 6 payment methods; Stripe lists 7 and 20. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Tide and Stripe compare on integration and settlement?
Stripe offers a sandbox, Tide does not list one; Stripe supports webhooks; Tide settles in Enjoy next business day settlement on your card and online payments at no extra cost, Stripe in 2–4 business days.

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