Help your customers make secure, remote online payments with Payment Links. Accept card payments online with Visa, Mastercard & Apple Pay. Enjoy low pricing with no hidden fees and get paid faster.
With Tide Payment Links, you’ll always be ready to take customer online card payments via Mastercard, Visa or Apple Pay. Get a flexible and fast payment solution with some of the lowest transaction fees around.
No need for your own website or online shop
Send payment links to your customers directly from the app
Know when your customers have paid
Enjoy online payment processing times of just 1-3 business days
Accept convenient online card payments using Mastercard, Visa or Apple Pay at any time, wherever you are. With no need for an online shop or website, they’re the fast and secure way to ensure you get paid faster.
Tide Payment Links are the smart way to manage customer online card payments by Visa or Mastercard. Create and send links directly from the Tide app in Tools and Services or within the Invoicing feature.
Use the Tide app to create your own Payment Link. Create, check and send securely in less than a minute. All helping you to accept online card payments securely and quickly.
Generate your own unique, secure link for each customer payment. Streamline your admin by sending links directly from the Tide app.
Save time on finance admin. Your customers will receive their own, secure link with everything they need to make an online card payment to you. They will be able to:
Make and accept payments on the go. Enjoy transaction fees as low as 1.5%*. Monitor which customers have paid and reduce payment times (According to Tide data, 72% of payment links get paid within 1 day)**.
*, ** and *** Full details can be found in the Payment Links terms and conditions
Here at Tide, we make your business our business. We’re all about supporting those who work for themselves. And our Payment Links feature does just that.
Not only does it provide you with a fast, hassle-free way to accept online card payments from your customers, but it gives you peace of mind as is safe and secure too. What’s more, ***payment processing times are only 1-3 business days and transaction fees are some of the lowest around. All saving you time and money so you can focus on what matters – running your business.
There is no extra charge when accepting Google Pay with Tide Payment Links. You will be charged the standard transaction fee, which will be deducted from the payment before it enters your Tide account.
When your customers use Google Pay, Google Pay protects their payment info with multiple layers of security and doesn’t send their actual credit or debit card number with the payment. Instead, an encrypted virtual account number is used to represent their information – so the real card details stay safe.
Payments made by Card (Visa, Mastercard debit and credit cards), Apple Pay & Google Pay are accepted. However, we plan to include more payment methods in the future.
If you attempt to process a transaction that we have considered high-risk, the transaction will be declined and we will notify you immediately.
Keeping evidence of the validity of your transactions is essential to helping us verify their security and lift any limits we’ve imposed.
To do this, we may request additional information, such as:
We may also request other relevant documentation, including your customer’s contact details.
There are a number of different scenarios in which we might consider a transaction to be high-risk, including if:
In certain situations, we may limit your ability to process transactions through Tide payment acceptance products. We impose these transaction limits to protect your Tide account, your customers and other Tide members from transactions that present an increased security risk.
There is a maximum transaction value of £5,000 per payment link. There is also a weekly limit of £20,000, as well as a monthly limit of £30,000. The minimum amount is just £5.
Tide Payment Links is a secure and convenient payment method that enables collecting customer card payments remotely without the need to set up any infrastructure. Tide Payment Links could be shared via various communication channels such as SMS, email, social media, and within invoices.
As part of Tide’s ongoing efforts to prevent fraud and protect our existing members, there may be occasions when restrictions are placed on who can use Payment Links. Access to this feature may be restricted due to factors such as:
The age of your business must be within 90 days from opening an account
Nature of your business
The size of your business
How long you have held a Tide account
The number and frequency of transactions you undertake with your Tide account
We’re on a mission to help business owners with secure payment acceptance methods. It’s a balancing act though, certain company types are more complex to onboard. We hope to broaden this scope as we grow, but currently, we’re unable to sign up the following types of companies but not limited to:
The meaning of the different status types is as follows:
Payments made by Card (Visa, Mastercard debit and credit cards) and Apple Pay (Visa & Mastercard debit and credit cards) are accepted. However, we plan to include more payment methods in the future.
At present, although payments can be made using cards issued outside of the UK, payments can only be made in GBP for Tide Payment Links. However, we plan to extend the feature to include other currencies in the future.
Yes, you can accept international payments from UK, EU & US using Payment Links but those may invite higher charges than payment taken via domestic cards.
No, you can only accept payments from a single customer using a single Payment Link. You need to create a separate Payment Link for each customer.
On a mobile device, you will receive 2 types of notifications that will enable you to check the status of your Invoice Payment Links request:
1. A notification to let you know that your customer has successfully made their payment.
2. A second notification to advise when the payment has been initiated to your Tide Account.
Other than these notifications, you can also check your Tide account at any time via the app to confirm the receipt of payments into your Tide Account.
You can check your Tide account at any time and you will also receive notifications on your mobile device.
The amount will be directly credited to your Tide Business Bank Account within 3 working days. No action is required from you. You can check your Tide account at any time and you will also receive notifications related to payment and settlements on your mobile device.
Please note that many customers may initiate chargebacks if they see payments to companies that they do not recognise. Therefore, please ensure that you make your customers aware of what wording will be displayed on both the billing and statement descriptors for their transactions.
There are certain costs incurred by Tide at the time of processing a payment link transaction and a fee is charged relating to your account. Our fees incorporate costs to us such as interchange, scheme fees and payment processing fees. The fees are automatically deducted from your Payout amount. From time to time, we may offer time-limited promotional Fee discounts, so please make sure to read any notices we give you regarding such promotional terms. We may withdraw or change promotional offers at any time.
No, Tide Payment Link can’t be disabled after it is issued. However, you can always create a new Tide Payment Link. Additionally, any unpaid Tide Payment Link will expire after 28 days.
If a customer payment fails, they will be asked to try again. Typical reasons for a payment failing include errors with entering the card number, expiry date or CVC number, or potentially even a connection issue. These issues can usually be resolved when the customer tries to enter the payment for the second time. Another reason for a payment being declined or failing is that the Payment Links function may be temporarily unavailable. In the rare event of this occurring, the customer would see a notification advising that this method of payment is currently unavailable. They would then need to make their payment by bank transfer instead.
A chargeback happens when your customer disputes a card payment made using Tide Payment Links. It can be for either the full or partial amount of a transaction. If a chargeback request is raised by the customer, the money will be subtracted from your merchant account.
It is possible to challenge a chargeback. To do this, you will need to provide all necessary supporting information to Tide Member Support within the agreed timelines. Please refer to the Tide Payment Links T&Cs for further details.
When Tide receives a chargeback request relating to your account, we will contact you by email or in app support and deduct the chargeback amount from your pending payout or directly from the Tide business account. If you would like to defend the chargeback, please reply to your in app message or email within 15 calendar days.
To defend a chargeback claim on your account, there are guidelines to upload documents.
Tide needs certain documents to review and support your claim relating to your account.
Services not provided/Merchandise not received
The payer claims that merchandise or services that you provided were not received or not received on time.
To defend against this dispute you must provide:
Merchandise:
Digital Goods:
Services:
Cancelled merchandise/services
The payer’s bank received a notice from the payer stating that they returned merchandise or cancelled services, but the credit has not appeared on the payer’s statement.
To defend against this dispute you must provide:
Merchandise / Digital Goods:
Services:
Goods not as described/defective
The payer claims the goods were not as described or disputes the quality of the merchandise or services.
To defend against this dispute you must provide:
Merchandise:
Digital Goods:
Services:
Counterfeit merchandise
The merchandise was identified as counterfeit by the customer or a third party, for example, a customs agency.
To defend against this dispute you must provide:
Merchandise / Digital Goods / Services:
Misrepresentation of the purchased good and/or service
The payer claims that the terms of sales (Terms and Conditions) were misrepresented.
To defend against this dispute you must provide:
Merchandise / Digital Goods / Services:
The best way to avoid chargebacks is to ensure you know your customers well and exchange clear communications with them.
Other top tips include:
There is a £10 fee to have a chargeback request investigated and processed, irrespective of outcome. This is because a separate investigation will be carried out for each request. The fee will be debited from your Tide merchant account when a chargeback request is received.
If you have received a chargeback, then our Member Support team will contact you by email to advise you of this and to explain how you can dispute it, as well as what documentation you will need to provide.
It takes on average 3-5 working days for your customer to receive a refund. You will not be charged for a refund, but when you refund a payment to a customer, the fees paid on the original transaction will not be refunded to you.
A partial refund is not possible under any circumstances.
Yes, paying with Apple Pay is safer than using cash or a debit, credit or prepaid card. This is because every time your customers use Apple Pay to pay for something, the system uses a device-specific number and unique transaction code. The card number is never stored on the payee’s device or on Apple’s servers, and never shared with you as the merchant. You will only receive information you need to authorise to fulfil the order — such as your customer’s name, amount, payment mode, etc.
Apple Pay also keeps all purchases private. When your customer pays via Apple Pay, Apple doesn’t keep transaction information that can link the purchase back to your customer.
Apple Pay payment method is only available on Apple devices and Safari browsers. Please also note that through Apple Pay you can only accept VISA and Mastercard debit and credit card payments.
Find answers to all our most frequently asked questions and how to contact our Member Support team.
