How to manage your money 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.

Go to Pay

Select your Merchant Account from the stacked accounts

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

Go to Pay

Select your Merchant account from the stacked accounts

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

Your Tide Merchant Account balance

Balance settlement timelines

The balance you see onscreen is the total amount of card sales waiting to be settled into your main Tide account, after fees.

You won’t be able to see any historical payments. To access those, tap the Sales tab.

Each payment is settled into your main Tide account in 2-3 business days. If you have an active Next Day Settlement Boost subscription when the payment is made, it’ll be the next business day.