Business banking made better

Your Tide Merchant Account balance

Access it

In your Tide app:

Head to the Home tab

Select Merchant Account under Accounts

Here you can filter your payments by date, type, payment method and status.

Check your payment’s details

To view a payment’s details, simply locate the payment in your Merchant Account timeline and select it. Then you’ll see:

The full payment amount

Any deducted fees and how much you’ll receive after that

An option to request a refund or share the receipt

Payment statuses and what they mean

Paid – the payment was successful, but the funds haven’t yet been settled into your main Tide account. In some cases, we might need to perform some additional checks on transactions, as required by UK financial regulations. This ensures compliance and keeps your account safe. We will be in touch via in app chat as soon as there is any further update

Settled – the payment was successful, and the money is now available in your main Tide account

Refunded – the payment amount was returned to the customer. You’ll see a new transaction for the refund, but can still view the one and its details to easily track what happened

Declined – the payment was reversed on our side, and the money was returned to your customer within 3-5 working days

On-hold – we’re quickly checking your payment, as required by UK financial regulations. This ensures compliance and keeps your account safe

Merchant Account in a negative balance?

A negative balance can happen if there’s not enough money in your main or merchant account to cover a:

Chargeback on a card payment you’ve collected

Refund you’ve issued for a card payment

The balance will go back to positive or zero when you:

Take new card payments

Have enough money in your main Tide account to cover the negative amount. See how you can top up if you need to