TRIBE LIMITED

Accept Payments Globally.
With Your Own Merchant ID.

The UK's merchant-first payment gateway — powered by a regulated EMI, built for growth.

Enroll your business in minutes and get a dedicated Merchant ID (MID). Accept Visa, Mastercard, Google Pay, and more — with full 3D Secure protection, real-time dashboards, and direct settlements. Built for UK and European businesses ready to scale.

Merchant ID

MID •••• 0042

3D Secure

Live Transactions

real-time

London SaaS

Approved

£1,240.00

EU Marketplace

Approved

€89.90

Subscription

Recurring

€19.00

E‑commerce

Approved

£312.45

Auth API

Tokenization

Webhooks

FCA-Regulated EMI PartnerPCI-DSS CompliantDedicated MID Per Merchant3D Secure ReadyUK & EEA Coverage26 Currencies Supported

0+

Fiat Currencies Supported

0

Crypto Assets Supported

0.0%

Uptime SLA

0 Min

Average Merchant Onboarding

Start Accepting Payments in 3 Steps

01

Enroll Your Business

Fill in your business details on our platform. We verify and register you as a sub-merchant with our regulated EMI partner.

02

Receive Your Dedicated MID

Get your own unique Merchant ID (MID) and secure credentials. Your payments are fully isolated and independently tracked.

03

Go Live & Get Paid

Integrate via our REST API, Web Checkout, or Mobile SDK. Accept payments and receive settlements directly to your account.

Everything You Need to Accept Payments

One platform. Every payment method. Built for UK merchants.

Dedicated Merchant ID (MID)

Each merchant on our platform gets their own independent MID — full isolation, clear reporting, and direct accountability.

Multi-Payment Method Support

Accept Visa, Mastercard, Amex, JCB, Maestro, Google Pay, QR codes, SEPA bank transfers, ACH, and UPI — all through a single integration.

3D Secure & Fraud Protection

Full 3DS v1 and v2 support. Synchronous, asynchronous, and redirect workflows with real-time fraud scoring and chargeback management.

Tokenization & Recurring Billing

Securely store card data with tokenization. Run subscription billing and repeat payments without storing sensitive card details on your servers.

Real-Time Notifications & Webhooks

Get instant POST callbacks to your notification URL on every payment event — success, failure, pending, or refund — with full payload and checksum.

BackOffice & Refund Controls

Capture, reverse, refund, and inquire on any transaction via our REST API or merchant dashboard. Full control over every payment lifecycle.

Flexible Integration. Your Way.

Choose the method that fits your tech stack — we support all of them.

Web Checkout (Standard)

Drop our hosted checkout page into your site. No PCI burden on your end — redirect and go.

REST API (Full Control)

Build your own payment UI with complete control. Synchronous and asynchronous workflows, Google Pay, 3DS, and more.

Mobile SDK

Native Android and iOS SDKs. Accept in-app payments with the same security and features as web.

QR Code Payments

Generate dynamic QR codes for in-person or remote payments. Full status inquiry, verify, and confirm flow.

Sample REST call shape

Sandbox ready
POST /transactionServices/REST/v1/payments
Headers: { authtoken: "YOUR_AUTH_TOKEN" }
Body: { amount, currency, paymentBrand, paymentType, merchantTransactionId, merchantRedirectUrl }

Built for the Businesses Powering Europe

Whether you sell products, subscriptions, or enable other merchants — we provide the infrastructure to accept payments with control and clarity.

E‑commerce & D2C

Increase acceptance with 3DS-ready flows, tokenization, and multi-currency processing for UK & EEA customers.

  • Web checkout + API
  • 3DS v2 flows
  • Refunds & captures

SaaS & Subscriptions

Run recurring billing with secure tokens, retries, and real-time lifecycle events via webhooks.

  • Tokenization
  • Recurring payments
  • Webhook events

Marketplaces & Platforms

Onboard many merchants under one master partner integration — each with a dedicated MID and isolated tracking.

  • Partner API
  • Sub-merchant MIDs
  • Isolated reporting

Developer Toolkit That Ships Fast

Auth API, REST API, web checkout, mobile SDKs, tokenization, 3DS workflows, and webhooks — designed for predictable implementation.

Auth API

Time-limited tokens with checksum validation.

Webhooks

Real-time event notifications with payload integrity.

Mobile SDKs

Android/iOS native flows with the same controls as web.

BackOffice ops

Capture, reverse, refund, and inquiry workflows.

Webhook event example

signed payload

POST https://merchant.example.com/webhook

{
  "event": "PAYMENT_APPROVED",
  "merchantTransactionId": "mtrx_123",
  "amount": 8900,
  "currency": "EUR",
  "status": "APPROVED",
  "checksum": "MD5(...)"
}

Shape only — no real credentials. Use your notification URL and validate checksums server-side.

Running a Platform or Marketplace?

Enroll all your merchants under one roof — each with their own MID.

Whether you're building a marketplace, SaaS platform, or multi-vendor system — our Partner API lets you register unlimited sub-merchants, each with a dedicated Merchant ID, isolated transaction tracking, and independent settlement reporting.

You get a Master Partner ID, and every merchant you onboard gets their own MID, secure key, and auth token — all managed through your platform.

Partner model

Your Platform

Master Partner ID

Partner API

Merchant A

MID: 001

Isolated tracking · Independent reporting

Merchant B

MID: 002

Isolated tracking · Independent reporting

Merchant C

MID: 003

Isolated tracking · Independent reporting

Regulated. Secure. Trusted.

Built on a licensed Electronic Money Institution — regulated across the UK and EEA.

EMI Licensed & Regulated

Our underlying payment infrastructure is powered by Steven AB (trading as Xoala), an Electronic Money Institution regulated by the Swedish Finansinspektionen — with EEA-wide licensing covering all EU member states.

PCI-DSS Compliant

Our platform meets PCI-DSS standards for secure card data handling. Merchants not handling raw card data benefit from reduced PCI scope through our hosted checkout and tokenization options.

TLS 1.2 + MD5 Checksum Security

All API communications use TLS 1.2 encryption. Every request is authenticated with a time-limited auth token and cryptographic MD5 checksum — preventing tampering and replay attacks.

Accept Every Way Your Customers Want to Pay

Visa

Mastercard

American Express

Maestro

JCB

CUP

Google Pay

SEPA

ACH

UPI

QR Pay

Crypto

26 fiat currencies · 8 cryptocurrencies · Instant FX conversion

Simple, Transparent Pricing

No hidden fees. No setup surprises. Pay as you grow.

Starter

Apply online · Dedicated MID · Web checkout · Email support

Growth

Most popular

Everything in Starter + REST API access · Tokenization · Recurring billing · Webhook notifications · Priority support

Enterprise / Marketplace

Everything in Growth + Partner API · Unlimited sub-merchants · Custom MID management · Dedicated account manager

Exact transaction fees shared after onboarding review. Contact us for a custom quote.

Frequently Asked Questions

A Merchant ID is your unique identifier in the payment processing network. Having a dedicated MID means your transactions, settlements, and chargebacks are completely isolated from other merchants — giving you full control, clear reporting, and direct accountability with acquiring banks.

We support Visa, Mastercard, American Express, Maestro, JCB, CUP, Google Pay, SEPA bank transfers, ACH/CHK (US), UPI, QR code payments, and crypto-to-fiat settlements — all through a single platform integration.

Most merchants are onboarded within minutes via our API or merchant portal. Once your business details are verified and your MID is generated, you can begin testing immediately using our sandbox environment.

Yes. Our infrastructure is PCI-DSS compliant. Merchants using our hosted checkout or tokenization solution have a significantly reduced PCI scope as raw card data never touches your servers.

Absolutely. Our Partner API is built for exactly this. You receive a master Partner ID, and each merchant you enroll gets their own dedicated MID, secure key, and auth token — with full transaction isolation and split tracking per merchant.

We support merchants across the UK and EEA. Our platform handles 26 fiat currencies with instant FX conversion, plus 8 leading cryptocurrencies with crypto-to-fiat settlement capabilities.

Ready to Accept Payments?

Apply for your Merchant ID today or talk to our team about a custom solution.

I am enrolling as *

By submitting, you confirm you’re authorized to provide this information for onboarding review.

Contact

Email: sales@yourcompany.co.uk

Phone / WhatsApp: +44 20 0000 0000

UK Office: London, United Kingdom

Response time: We respond within 1 business day

Regulated EMI Partner

Secure Form

PCI Compliant