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Tide

Tide offers business accounts through an app, along with ways to take payments. Merchants can accept card and digital wallet payments, a service Tide provides in partnership with Adyen N.V. In person, merchants can use the Tide Card Reader, Tap to Pay on iPhone or QR payment codes. Online, they can use payment links, Instant Checkout and invoicing.

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.
Settlement
Enjoy next business day settlement on your card and online payments at no extra cost
Coverage
1 country
Payment methods
6
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Tide before signing. Visit Website is an external link; we may earn a commission.

Tide overview

Best for

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

Tide pricing & fees

Pricing structure

Pricing
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.
Your business must be registered in
Not disclosed

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Tide settlement & payouts

Payouts

Settlement time
Enjoy next business day settlement on your card and online payments at no extra cost
Settlement currencies
Not collected yet

Tide API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Tide coverage & payment methods

Supported countries

1 country
GB

Payment methods

Apple PayContactlessGoogle PayMastercardOpen BankingVisa

Tide licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

Tide Platform Limited

United Kingdom

Licenses

E-Money Institution GB

FCA E-Money Institution (UK)

Financial Conduct Authority (UK)

License numbers & register records

1 license number · 1 register record on file for Tide, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Using ChatGPT or Claude? Ask it to prepare your application to Tide. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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