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TAP TO PAY

Accept in-person payments in minutes with your smartphone

  • No additional hardware, no hardware cost

  • Designed to be secure

  • Take payments from anywhere

Accept contactless payments using just your smartphone and the Tide app. Open a Tide Business Account today to get started. 

 Sign up

*We’ve partnered with Adyen N.V. so you can accept card and digital wallet payments from your customers.

Get paid instantly with just your smartphone

No extra hardware needed

There’s no need for additional card readers and terminals. All you need is your smartphone 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 and Android 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

Tap to Pay on Android

Tap to Pay on Android

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

  • Available on most Android phones

  • Android 9.0 (pie) required on your device

  • Compatible with Apple Pay, Google Pay, contactless cards and digital wallets.

 Sign up

How to use Tap to Pay

How to use Tap to Pay

  1. Open the Tide app on your smartphone. Go to the Get Paid tab followed by Tap to Pay 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 smartphone, 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.

  • Tap to Pay on Android encrypts card information on your phone using NFC, meaning no card numbers or PINs are stored on your phone – keeping your data safe.

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 requires a supported payment app and the latest version of iOS or Android. 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 FAQs

With Tap to Pay and your Tide app, you can accept in-person contactless payments with your smartphone — from physical debit and credit cards, to all digital wallets. You’ll need no additional devices. It’s easy, secure, and private.

For Tap to Pay on iPhone, the feature is currently available on iPhone XS or later or iOS 16.4 or above).

For Tap to Pay on Android, the feature is currently available on most Android devices, providing they have Android 9 or later. 

To sign up, go to the ‘Get Paid’ menu in your app > ‘Tap to Pay’ > Read and agree to the Terms and Conditions > ‘Sign Up for Tap to Pay’. 

As part of our efforts to prevent fraud and protect our members and community, there might be limitations about who can sign up for Tap to Pay. Access to this service may be limited due to factors like the nature of your business, or region of operation. For more information, please visit the Terms & Conditions page.

To collect a payment, open your Tide app on your smartphone > go to the ‘Get Paid’ menu > tap ‘Tap to Pay’. Enter the payment amount and description and tap ‘Take a payment’.

Then your customer will hold their card horizontally at the top of your smartphone, over the contactless symbol. When you see the “done” checkmark, the transaction is complete.

You can view your Tap to Pay transactions in the app. Go to the ‘Get Paid’ menu > ‘Settlements’ > ‘Settlements’ tab. But remember, Tap to Pay transactions cannot be processed offline.

You will receive your Tap to Pay payments within 3 business days.

You can refund Tap to Pay payments from the app. They will be processed in 5-7 business days.

As part of our promotional pricing, you will pay a fee of 1.50% for each Tap to Pay transaction. 

We will not charge you any initial or monthly fees for using Tap to Pay. This includes both domestic and international payments. 

Fees are subject to change but we’ll let you know in plenty of time.

With Tap to Pay you can accept payments in  GBP, EUR and USD.

The minimum transaction amount is £1, and the maximum is £5000.

Yes, Tap to Pay is secure and private. 

Tap to Pay uses the built-in security and privacy features of Apple and Android to help keep your business and customer data private and secure. 

When a payment is processed, Apple and Android don’t store card numbers or PIN information on devices or on their servers, so you can rest assured knowing your business stays yours.

Tap to Pay allows payment service providers to enable PIN-based transactions in iOS 16.0 and later.

After the customer taps their card, Tap to Pay prompts the customer to enter their PIN using Apple or Android’s secure PIN entry interface.

Payments made with digital wallets won’t require a PIN code authorisation.