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Get paid instantly with just your iPhone

No additional hardware needed

There’s no need for additional card readers and terminals. All you need is your iPhone and the Tide app.

It's free to set up

Set up Tap to Pay for free. No activation cost, no stress. Get started immediately and only pay a small transaction fee on payments.

Privacy and security built in

Tap to Pay uses the built-in security and privacy features of iPhone to help protect your customers’ data.

Get started in a few steps

To use Tap to Pay, simply download the Tide app, sign up, and enjoy taking payments from anywhere.

Subscribe and save

Enjoy lower transaction fees across our in-person payments products and get a discount on Tide Card Readers.

Subscribe to Sell In-Person within the Tide app.

 
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Sell In-Person
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Pay As You Go

Monthly fee (+ VAT)

£12.99**

£12.99**

£0

£0

Tap to Pay transaction fee*

0.79% + 9p

0.79% + 9p

1.5% + 11p

1.5% + 11p

Card reader device cost (+ VAT)

Also included in the Sell In-Person subscription

From £99

From £99

From £159

From £159

Card reader transaction fee*

Also included in the Sell In-Person subscription

0.79% + 3p

0.79% + 3p

1.39% +5p

1.39% +5p

*Transaction fees for domestic consumer debit cards. All other card types and fees are as defined in the Tide Membership and Product Terms

**From 27th April 2026, the monthly fee will increase to £17.99 + VAT

Take more than £2,200 in card payments each month? You'll save money with Sell In-Person*.

Sign up

*Savings are indicative only and intended as a guide only. The figures calculated are based on 100% of card payments being taken using Domestic Consumer Debit cards. Actual splits of different card types will vary from member to member. Tide will not be responsible for any discrepancy in the savings calculations and does not accept any liability for loss or different savings amounts, which may be attributable to the reliance on this savings statement.

Want to get paid faster?

For just £2.99 + VAT per month you'll get next business day settlement on your card and online payments, instead of having to wait up to 3 working days.

Tap to Pay on iPhone

Accept payments directly on your iPhone without the need to buy or carry a separate card reader.

  • Available on iPhone XS or later

  • Latest version of iOS required on your device

  • Compatible with Apple Pay, contactless cards and digital wallets

How to use Tap to Pay on iPhone

  1. Open the Tide app on your smartphone. Go to the Get Paid tab followed by Tap to Pay on iPhone and enter the payment amount.

  2. Present your smartphone to your customer

  3. Your customer holds their card horizontally, or their device at the top of your iPhone, over the contactless symbol

  4. When you see the Done tick, the card read is complete and the transaction is being processed.

Privacy and security built in

  • Tap to Pay on iPhone uses Apple's built-in security and privacy features to protect both business and customer data. When a payment is processed, Apple doesn't store card numbers or PIN information on its servers, ensuring all data remains private and secure.

Sign up

Competitive pricing to power your savings

  • With Tide, you’ll enjoy low transaction fees for all commercial and consumer cards. 

  • No set-up charge or hidden fees. Our pricing is transparent, so you can focus on your earnings, rather than your outgoings.

Sign up

All-in-one payment view

  • Manage your earnings in one place, straight from the Tide app.

  • Stay on top of your earnings from each customer, with no need to keep track of receipts.

Sign up

Tap to Pay on iPhone requires a supported payment app and the latest version of iOS. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted by your payment app. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay is not available in all markets. For Tap to Pay countries and regions, see https://developer.apple.com/tap-to-pay/regions.

Tap to Pay on iPhone FAQs

All FAQs

Help, my question isn’t answered here…

Find answers to all our most frequently asked questions about Tap to Pay on iPhone.