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  7. Tide

Tide logo

Tide

Partially Agent-Ready
Agent-Ready SaaS Index · tide.co · scored 2026-05-09 · rubric v2.0
Score 46 / 100
Invoice Management

Tide scores 46/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available.

See Tide pricing summaryLive pricing page
Pricing
Tide pricing
As of 2026-05-09 · www.tide.co/pricing/
Free
Free
Basic business account
No monthly fee
Standard card payments
Smart
Free
Enhanced admin tools
Automated invoicing
Basic expense control
Pro
$12.49/mo
flat
Business phone number
International payments
Team access
Cashback up to 0.5%
Max
$27.49/mo
flat
Dedicated support
Higher cashback rates
Advanced expense cards
Priority chat + phone
Score breakdown · rubric v2.0
How Tide scores on the agent-ready dimensions

Public pricing visibility

15 / 15

Self-serve checkout

15 / 15

Public API + docs

0 / 20

Usage-based / metered pricing

0 / 20

Free entry path

4 / 7

No sales call required

7 / 7

Card / wallet / x402 payment

5 / 6

Machine-readable bonus (MCP / OpenAPI)

0 / 10

Total
46 / 100
Effective pricing
What it actually costs at typical scale
1 business using Pro plan (monthly billing)
$12.49/mo
· Monthly billing selected· No additional usage fees
Confidence: high
Agent purchase verdict
Can an autonomous agent transact here?
Human-assisted
LLM score: 55/100

Can create account

Yes

Can enter payment method

Yes

Can upgrade plan

Yes

Can buy more usage

No

Can cancel online

Yes

Payment methods

card

Human approval recommended

No

Pricing transparency

full

Purchase motion

self_serve

Demo required

No

Quote required

No

Annual commit required

No

Auto-renewal mentioned

Yes

Cancellation policy visible

No

Refund policy visible

No

Invoice payment available

No

Purchase orders supported

No

MSA required

No

DPA available

No

Security review required

No

Competitive intel
Positioning & ecosystem
Headline

“Plans that grow with you”

Buyer persona

smb
mid market

Integrations mentioned
Xero
Value claims
0.5% cashback
up to 4% AER interest
Agent purchase simulation
Six-step check: can an agent actually buy from Tide?
✓

Discover price

◐

Select a plan

✗

Pay per task

✗

Avoid a sales call

✗

API docs without auth

✗

Estimate cost upfront

Analysis
Pros and cons for AI agents
Observational summary written by xpay from the signals captured on 2026-05-06. Not a review of the product — only of its current pricing posture for agent buyers.
✓ For an AI agent
  • Pricing is publicly visible on an indexable page — agents can read tiers without scraping past auth.
◐ Opportunities for the provider
  • No per-unit price was advertised, so an agent has no way to estimate the cost of a single task.
  • All advertised tiers route to a sales contact form; an agent cannot complete a purchase autonomously.
  • API documentation is gated or absent; an agent cannot inspect the integration surface without authentication.
  • No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.
One-line fix
How Tide could lift its score

Add a per-unit price (e.g. $X / 1K calls) to the pricing page so an agent can compute its own cost before committing.

pricing_visible

true

headline_phrasing

PLANS AND PRICING — £50 cashback and FREE MTD tools with our business account.

tier_count

1

lowest_paid_entry_usd

null

free_tier

false

free_tier_terms

null

per_unit_price

null

annual_required

true

self_serve_paid_tiers

0

sales_only_tiers

1

public_api_docs_url

null

api_docs_auth_walled

null

ai_pricing_json_present

false

agents_txt_present

false

anonymous_purchase_path

false

per_unit_classification

null

usage_headline_present

false

custom_tier_present

false

agent_friendly

{"ai_pricing_json":false,"agents_txt":false,"llms_txt":false,"sitemap_xml":true,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →
Page heading: PLANS AND PRICING
CTAs (40): close · Open an account · Log in to web · Learn more arrow_forward · Start Your Business · Business Accounts · Credit · Business Tools · Support · menu · Company Registration · Company Name Check
closeStart Your Businessarrow_rightBusiness Accountsarrow_rightCreditarrow_rightBusiness Toolsarrow_rightSupportarrow_right Open an account Log in to web £50 cashback and FREE MTD tools with our business account. Learn more arrow_forward✕Start Your BusinessBusiness AccountsCreditBusiness ToolsSupport Open an account Log in to web menuStart Your BusinessRegister with TideCompany RegistrationCompany Name CheckCompany SecretaryBusiness Name GeneratorFeaturesWebsite, Domain & EmailVirtual Office AddressConfirmation StatementBusiness AccountsAccountsFree Business AccountTide Instant Saver AccountCash ISAPricingCompare Business Bank AccountsSwitch to TidePlansCompare PlansSmart PlanPro PlanMax PlanFeaturesTide Business Phone NumberInternational Payments InvoicingBudgetsAccounting IntegrationsVirtual CardsTeam AccessTide RewardsSee All FeaturesCreditLoansBusiness LoansStart Up LoansAsset Based LoansBusiness Loans CalculatorCredit Score InsightsAssetsAsset FinanceVehicle FinanceMachinery FinanceAsset RefinancePropertyProperty FinanceCommercial MortgagesAlternative FinanceGrowth Guarantee SchemeBusiness Credit CardsInvoice FinanceMerchant Cash AdvanceRevenue Based FinanceWorking Capital LoansRevolving Credit FacilityBusiness ToolsGet PaidInvoicingTap to PayPOS Card ReaderQR Payment CodesPayment LinksInstant CheckoutSee All Payment OptionsAccounting & Expense ManagementTide AccountingAccounting IntegrationsXero ConnectorMaking Tax DigitalPayrollCompany Expense CardsBusiness InsuranceBu…
You work at Tide?
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Get the breakdown of every signal we measured, the one-line fix, and how your peers in Invoice Management stack up.

Evaluating Tide?
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Are you Tide? Something off in this listing?
Agent-Ready Spec
Tide
Partially Agent-Ready

46

/ 100 (rubric v2.0)
Category

Invoice Management

Pricing model

PLANS AND PRICING — £50 cashback and FREE MTD tools with our business account.

Tier count

1

Free tier

No

Lowest paid entry

Sales-led

Self-serve / sales-only tiers

0 / 1

Public API docs

Auth-walled

Anonymous purchase path

No

Machine-readable pricing

Not published

Last refreshed

2026-05-09

Pricing intelligenceInsights extracted from www.tide.co/pricing/
Pricing model

Tier-based subscription

Agent-purchase verdict
Human-assisted
55/100 · v2.1
Cheapest entry

Free plan

Actions
Open live pricing page
Verdict reflects Partially Agent-Ready status under rubric v2.0. Source observed at https://www.tide.co/pricing/.
Agent-friendly features1 of 7 present
Discovery files and protocols
Side-channel signals — informational, not part of the score. Each protocol is independent; adoption signals the publisher is thinking about agent buyers.

ai-pricing.json

agents.txt

llms.txt

sitemap.xml

MCP Server Card

Agent Skills

x402 / MPP

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checkbook.io
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CompanyAgentically Inc. (d/b/a xpay✦)1875 Mission St, Ste 103San Francisco, CA 94103, United Stateslegal@xpay.sh · privacy@xpay.sh
or ask your AI app
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About xpayAgency PartnersGitHubDiscordllms.txt
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