Stay on top of your sales with your Tide Merchant Account

Your free Tide Merchant Account helps you easily see your sales payments in one place.

This guide covers:

What you can do with your Tide Merchant Account and how to find it

Which transactions are included and how to check their details

Understanding payment statuses

Why a negative balance can occur and how to fix it

Your Tide Merchant Account

What you can and can't use it for

Your Tide Merchant Account gives you a real-time, unified view of your sales transactions.

It displays your incoming card payment activities and pending balance.

It's view-only, so you can’t spend or withdraw money directly from it.

Find your account

If you’re a Tide member and eligible for any card payment service, you’ll automatically get one in your app.

Head to the Home tab

Under Accounts, tap Merchant Account

Check your payment details

Payments shown in your Merchant Account

Card payments you’ve collected with Payment Links, Tide Card Reader, Tap to Pay and Tide Instant Checkout

Payouts, card payment refunds and chargebacks

Payment Links paid via bank transfer aren't visible in your merchant account.

Find your payments

Make sure your first payment arrives

Head to the Home tab

Under Accounts, tap Merchant Account

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

Tap on a payment to see the full payment amount, any deducted fees and how much you’ll receive after that, and an option to request a refund or share the receipt

Payment statuses

'Paid' means 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' means the payment was successful, and the money is now available in your main Tide account

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

'In Review' means 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