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Tidal for small businesses

The payment processing partner you’ve been searching for

Flexible payment processing solutions made with small businesses in mind

Growing a small business is exciting, scary, fulfilling, and frustrating all at once. It’s a world made for those with tough skins, and we know all too well what it’s like to take that deep breath and jump headfirst into building a business. Building a small business that lasts requires you to be meticulous about every bit of your customer experience, and having a smooth payment processing system is critical part, which is why you’re here.

Always feel supported with Tidal’s 24/7 technical call center

We always have your back. You don’t always get to take holidays, and neither should we. No matter the day or time, we’ll be here to answer any questions you or your employees have.

  • Technical support

    We provide 24/7 technical support 365 days a year

  • Remote support

    Remote support for terminal errors to connection issues and more.

  • Support specialists

    Need help with your account or statement? Our merchant support specialists are here for you, too. Monday-Thursday, 8:00am-5:00pm and Friday 8:00am-4:30pm CST

Transparent payment processing

Save up to 35% with our custom payment processing

We offer both simplified pricing and custom interchange pricing based on your projected monthly volume. We’re happy to advise you on what’s best for your small business.

Simplified pricing


1.99%¹ + 20¢

Per transaction


24/7 US-based tech support

Apple Pay & Android Pay support

Compatible with most gateways

Compatible with most POS systems

Chargeback assistance

Get started

¹1.99% applies to qualified swiped, dipped and key entered transactions. 1.50% non-qualified surcharge assessed on interchange qualifications including but not limited to: international, world, enhanced, business, purchasing and commercial cards. Visa FANF fee and MC Location Fee assessed as pass through at current rate. Monthly fee $15. Process over $75,000/mo or prefer IP Plus pricing? Contact us.

Interchange plus

Custom payment processing plans based on your projected monthly volume


.25% + $.25¢

Per transaction


24/7 US-based tech support

Apple Pay & Android Pay support

Compatible with most gateways

Compatible with most POS systems

Chargeback assistance

Get started

¹1.99% applies to qualified swiped, dipped and key entered transactions. 1.50% non-qualified surcharge assessed on interchange qualifications including but not limited to: international, world, enhanced, business, purchasing and commercial cards. Visa FANF fee and MC Location Fee assessed as pass through at current rate. Monthly fee $15. Process over $75,000/mo or prefer IP Plus pricing? Contact us.

I saved 33% on all my merchant activity... As a small business, this means a lot! The service I received during my transfer was outstanding! Thank you... and I will be sending many other businesses your way.

- Michael, Owner, Map Therapy

Complete payment and contract transparency

We don’t do unexpected bills, we don’t do confusing contracts, and you can go ahead and say goodbye to high fees and excuses from other payment processors. We run our business like you run yours — with honesty and care. Once you switch to Tidal, your rate is locked in, and our team of merchant specialists will always be looking for ways to save you money as you grow

  • No hidden fees

  • No confusing contracts

  • No rate changes

  • We’ll explain any and all charges

  • We’ll show you exactly how much you could be saving with Tidal

A new way to conduct business

Poynt Smart Terminal

Meet the new, sleek smart terminal powered by Poynt

Built for small businesses of any size and type

We don’t play favorites. We built a smart terminal that’s durable, flexible, and customizable. How you use it in your small business is up to you: integrate it with Pay at the Table to deliver a faster and more modern restaurant experience, keep it on your desk for clients to easily pay you after your service, let bartenders take it directly to the couple at the end of the bar — whatever your business is, there’s a place for the Tidal Smart Terminal

See it for yourself

Click above to schedule a demo

We make the switch so easy

Changing to Tidal Commerce doesn’t mean changing your entire workflow, software, or hardware.

  • Pain-free switch

    Tidal integrates with the majority of POS systems. It’s simple to set up. We’ll upgrade your payment solution to be EMV compliant with minimum downtime, working with you to make it as convenient as possible

  • Quality tools for small businesses of all kinds

    Save money and increase your visitor numbers with Tidal’s built-in loyalty program. Accept payments online, manage transactions from anywhere with internet access, and accept payments in any way your customers want to

  • Free payment analysis

    Let us show you what you’re missing out on, charge by charge. Before you get started, we'll provide you with an in-depth statement analysis for free, so you’ll know exactly why and how much you’re saving per customer and per month

Protect your customers

  • Protection when it counts

    Give your customers peace of mind both in your physical locations and on the internet. Cybersecurity is more important than ever, and Tidal Commerce keeps your customers’ credit card and personal information locked up and safe from any intruders

  • Routine and on demand PCI scans

    Tidal Commerce comes with unlimited on-demand scanning of your network. You can launch new scans, add new networks to scan, and even pull past scan reports. It’s complete security, as hands on or hands off as you want it.

  • PCI Compliance without the headaches

    Keeping your cardholders information secure is every business owner’s priority. We're here to help with our advanced suite of PCI DSS Tools, providing up to $100,000 breach coverage for compliant merchants.

Support for virtually all payment types

With Tidal, your customers can pay any way they see fit. We take pride in operating at the cutting edge of the payment processing solutions space, meaning we always equip your business with the latest in payment processing technologies

  • Apple Pay

  • Android Pay

  • EMV (chip)

  • Magstripe

  • NFC (contactless pay)

  • Loyalty programs, integrations, and more

Software and custom tools to help you build your business

From a web dashboard with real-time updates to being able to adjust discounts/offer refunds on the go, we have a suite of included software and tools to help take your small business to the next level

Flexible & Adaptable

We’re compatible with all major point of sales systems

MICROS Logo
NCR Logo
POS-X Logo

Want to use your existing system? Not a problem. We're likely compatible. We support all major point of sale systems and point of sale software, and it’s easy to switch

Let us help grow your business 💰

Earn more from each customer with lower credit card processing fees, and modernize your small business with our suite of payment solutions. Your customers deserve the best in service, and we have the tools to get you there

Credit card processing for small business.

Reach out today and request your free statement review. We'll show you exactly how much you could be saving with us

Refer a friend & save!