Tipper FAQ

If any of your questions are not answered below, please email us at hello@thetipperapp.com

Why do I want Tipper? What’s the benefit?

Tipper allows “Tippers” to send money in the form of tips to “Employees”. Tippers don’t have to go out of their way to find cash and never have to fear not having money on them to tip. Employees now have an increased chance of receiving a private and secure tip that they can deposit directly into their bank account.

Why not just use Venmo or Zelle?

Venmo, Zelle, and other digital payment services force you to know another party’s personal information (like a first/last name, email address or phone number). However. in tipping situations, a Tipper is most likely not going to know an employee’s personal information, thereby making those digital solutions useless. With Tipper, the employee’s place of work (think building, hotel, parking garage, etc.) is the only thing a Tipper needs to know. Since that information is readily available, sending tips using Tipper is simple.

What fees do I incur using Tipper?

All fees charged can be found in Tipper’s Fee disclosure page on our website. The main fee being charged is for those who send money (Tippers). Each tip sent has a fee that is calculated based off of the amount sent.

How do I ensure that my banking info won’t get stolen?

Tipper uses both Dwolla and Plaid to ensure all information provided is securely processed and protected. These two companies are large institutions with high levels of security.

What third-parties does Tipper utilize?

Tipper utilizes Argyle (for employment verification), Dwolla (for ACH transactions), Firebase (for mobile verification) and Plaid (for banking security).

How do I sign up for Tipper?

It’s simple! Download the app either in the Apple App Store or Google Play and follow the easy steps in the app.

When do tips deposit?

As Tipper currently offers ACH transfers, the standard transfer time is 1-3 business days. However, most transfers take place within 1 business day so you can enjoy your tips quickly and securely.

What’s the maximum tip I can send daily/weekly?

All users can send a maximum of $5,000 per week.

I didn’t receive a payment I’m  expecting, or I sent a payment and the person I paid didn’t get it.

Each Tipper user involved in a payment can usually verify that the payment was successful if they received a notification and if the payment appears in their activity feed. The payment will be listed in red with a minus sign on the sender’s (Tipper) account to show that the money was sent. It’ll be listed in green on the recipient’s (employee) account to show that the money arrived.

If the recipient did receive a notification about the payment:

  • They may not realize the money isn’t sent directly to their bank account. If they’re expecting the money in their bank account, they need to transfer money to their bank account
  • If the recipient is still having trouble, please have them contact support@thetipperapp.com To protect their privacy, our Support team can only discuss their account with them.
Can you cancel my payment?

The moment you send a tip in Tipper, we send a request to your bank/card company to debit the funds and make them available to the recipient. This means we cannot cancel a payment once it’s been initiated.

Keep in mind our Support team won’t be able to reverse the payment for you unless the money is still in the recipient’s account, their account is in good standing, and they reach out to us directly with permission. Please reach out to support@thetipperapp.com for any disputes. While we cannot guarantee we’ll be able to help recover the money, if you reach out to us, we can provide any available options.

Does my employer have access to information about tips I receive?

No, the only person who will have access to this information is you.

Weekly Rolling Limits

Your combined spending limit is a rolling weekly limit. This means that a transaction counts against your limit for exactly one week from the time of authorization. For example, if you send a payment on a Monday at 11:00 AM, that payment will no longer count against your limit at 11:01 AM the following Monday.

Limits are subject to periodic review and may be changed based on your Tipper Account history, activity, and other factors. Tipper retains sole discretion to apply and change limits.

Are the tips I sent in any way shown to anyone else or is this kept private as well?

The only person, in addition to yourself, who will see what tip you have sent is the recipient. All data used for tipping statistics will be anonymized.

How does Tipper ensure employees listed are who they say they are?

All users are screened during the onboarding process and are only allowed into Tipper once their identity has been verified. We go through multiple steps to make sure Tipper is accurate, secure, and reliable.

What is Dwolla?

Dwolla is a powerful payments platform that securely connects to bank or credit union accounts to enable the transfer of money for any individual or organization in the U.S.

Why is my transaction still pending?

A bank or credit union transaction usually takes 3–4 business days to complete via the Automated Clearing House network (ACH) used by banks to transfer funds. Please note that transfers take longer to complete if over a weekend or a holiday.

Why did the transaction fail?
  • Sometimes transactions to or from a bank or credit union can fail. Here are a few reasons why a transaction can fail:
  • Insufficient funds: There are insufficient funds in the sending bank or credit union account to complete the transaction.
  • Frozen account: A bank or credit union account has been frozen.
  • Other reasons: A bank or credit union rejects the transaction for some other reason. If a transaction fails, please contact your bank or credit union to check on the status of your account. Then either re-initiate the transaction or ask your financial institution why the transaction may not be processed.
Why am I being asked for more documentation?

If we ask for a photo ID: Additional information is needed to verify your identity. Please upload one of the following forms of identification:

  • An unexpired, current, state-issued driver’s license or identification card OR
  • An unexpired, current U.S. passport If we ask for a bank statement:
  • Additional information is needed to verify that you are an authorized signer on your connected bank or credit union account. Please upload a copy of a recent statement.
How does Dwolla protect customers’ data?

Dwolla takes protecting data seriously. Dwolla maintains compliance with the SOC 2 framework. This framework provides an independent, third-party assurance that we are taking the appropriate steps to protect our systems and your data. Learn more about Dwolla’s security practices here.