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Yoco

Yoco

South African SMEs

VS

Tide

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

Tide
Fees from
2.95% vs 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.
Features

0 shared

1 unique to Yoco
Regions

0 shared

1 unique to Yoco
Pay methods

3 shared

3 unique to Yoco · 3 unique to Tide
On payment methods

Both support 6 payment methods. Verify directly with each provider before signing.

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Show full specs
1 features · 9 payment methods · 1 regions. We don't rank these — they're here for reference.
Yoco Yoco
Tide Tide
Quick Facts
Fees
Standard transaction rate
2.95%
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.
Settlement
Time to receive funds
2 business days
Enjoy next business day settlement on your card and online payments at no extra cost
Founded
2013
—
Headquarters
Cape Town, South Africa
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Yoco leads (1 vs 0)
Startup Friendly Unique
✓
—
Payment Methods
Amex Unique
✓
—
Apple Pay Unique
—
✓
Contactless
✓
✓
Diners Unique
✓
—
Google Pay Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Open Banking Unique
—
✓
Visa
✓
✓
Regions
Yoco leads (1 vs 0)
Africa Unique
✓
—

Yoco is best when you...

South African SMEs
Need Startup Friendly
Not available with Tide
Want coverage in Africa
Tide doesn't cover this region
View Yoco

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

Frequently Asked Questions

What is the difference between Yoco and Tide?
They share 3 payment methods and 0 regions. Yoco adds Amex, Diners Club, Mobile Payment that Tide does not list; Tide adds Apple Pay, Google Pay, Open Banking that Yoco does not list; Yoco also covers Africa; only Yoco offers Startup Friendly.
Which is cheaper, Yoco or Tide?
Yoco has published rates from 2.95%; 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.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Yoco and Tide?
Yoco lists 1 region and 6 payment methods; Tide lists 0 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Yoco and Tide compare on integration and settlement?
Yoco offers a sandbox, Tide does not list one; Yoco supports webhooks; Yoco settles in 2 business days, Tide in Enjoy next business day settlement on your card and online payments at no extra cost.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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