For the people in your routine

Tip the person, not the system.

Q: If I choose $5.00, what am I charged?

$5.00. Fees come out of the tip. $4.30 reaches the worker, $0.45 goes to the payment processor and $0.25 to TipRiver.

Q: Can I stop at any time?

Yes. Change, pause or cancel from one page. Cancellation stops all future charges, and the worker keeps what you’ve already sent.

A small monthly tip from a regular, straight to their barista, bartender or server. You’re charged exactly what you choose. The employer never handles it, pools it or splits it.

Get your link

$3.00–$100.00 a month
Charged exactly what you choose
Pause or cancel anytime

tipriver.com/to/alex-dg

AlexBarista at “The Daily Grind”

How much each month?

You’re charged $5.00. $4.30 reaches Alex after $0.70 in fees.

$5.00 charged to Sarah−$0.45 processing $0.30 + 2.9%$4.55 after processing−$0.25 TipRiver 5%$4.30 credited to Alex

A barista behind an espresso machine, holding her phone and looking at her own TipRiver balance — Alex, at the espresso machine, sees each tip net of fees and gets paid out every Tuesday.

100%of the net tip goes to the person you chose
$5.00chosen means $5.00 charged. No fees on top
$0.00to withdraw by bank transfer, every Tuesday
0public directories. Only your code finds you

The problem

The tip jar has a middleman.

A tip is meant to say “you made my day better” from one person to another. Left on a card terminal or in a shared jar, it usually enters a system the employer controls.

Pooling
Thanks meant for one barista gets blended with the tips left for everyone on shift. The person you had in mind may get a fraction of it.
Management discretion
Points, hours, role weighting: the split is set by someone other than you, and rarely disclosed. Staff can be pressured to give some of theirs away.
Opacity
Neither side can check what was intended, what was collected and what was passed on. The terminal shows a percentage, not a destination.

None of this needs a bad actor. It happens because the person who gives and the person who receives have no direct line between them.

TipRiver doesn’t replace wages, compete with payroll or claim to change how any workplace splits its own tips. It opens a separate channel where you set the amount and the destination is a named person. A worker can keep sharing a pool at work and still receive direct support from regulars who choose to give it.

See it end to end

One tip, one month, in 88 seconds.

Sarah types Alex’s code at the counter. $5.00 leaves her card, $0.70 in fees comes out line by line, and $4.30 lands in Alex’s balance. On Tuesday it goes to her bank for $0.00.

The jar
A direct line
The code
Choose
The split
It lands
Tuesday
Checked

Fees, line by line

Follow one tip.

Every cent has a destination. Choose an amount and watch it split. Fees come out of the tip, not on top of it, so the amount you pick is the amount you’re charged.

Monthly tip$5.00

Monthly tip

$3.00 minimum$100.00 maximum

$4.30Reaches the worker

$0.45Payment processor ($0.30 + 2.9%)

$0.25TipRiver (5%)

What fees cost, by tip size

$3.00 tip18.0%Total fees on a $3.00 tip. $2.46 reaches the worker.

$5.00 tip14.0%Total fees on a $5.00 tip. $4.30 reaches the worker.

$10.00 tip10.9%Total fees on a $10.00 tip. $8.91 reaches the worker.

The $0.30 processing fee is charged by the card network on every payment, so smaller tips lose a larger share. That isn’t a hidden charge, and we don’t nudge you toward a bigger amount. We show the arithmetic and let you decide. The 5% is TipRiver’s only revenue on a tip, and the processing fee is passed through at cost.

How it works

One person who gives. One person who receives.

Receives

For workers

Baristas, bartenders, servers: anyone with regulars.

Sign up and connect how you get paid
Bank transfer costs $0.00. PayPal or Venmo costs $0.50 per payout. You’ll see the fee before you choose.
Share your personal code
Show your QR at the counter, hand over a printed card, or text your link. Nobody finds you unless you hand it to them.
tipriver.com/to/alex-dg
Watch net tips land, and withdraw weekly
Every tip shows gross, fees and what’s yours. Payouts go out on Tuesday for balances of $10.00 or more as of Sunday 23:59 UTC, and arrive in 1–3 business days.

TipRiver

Alex

Barista at “The Daily Grind”

tipriver.com/to/alex-dg

“If you ever feel like showing extra support, this goes directly to me.”

The printed card from the Share tab. It sits by the till; nobody finds Alex any other way.

Gives

For regulars

Decide once. It keeps working quietly.

Enter their code or scan their QR
It opens one person’s page, so there’s no risk of supporting a similarly named stranger.
Choose a monthly amount
Anything from $3.00 to $100.00. Choose whether they see your name or “Anonymous Supporter.”
Connect PayPal, Venmo or a card
Card details go straight to our payment partner, never to us. Before you confirm, you’ll see exactly this:
“You will be charged $5.00 monthly for Alex. You can cancel anytime.”

Thirty seconds at the counter. Then it runs every month until you change it.

Honest numbers

A supplement, not a salary.

Meet Alex, an illustrative barista. $15.00 an hour for 160 hours is $2,400.00 a month, against $2,800.00 of fixed bills. Tips have to cover a $400.00 gap, and cash tips can’t be planned around.

Ten regulars at $5.00 a month won’t close that gap. They add $43.00 that arrives on a known schedule from people Alex already knows, and Alex can put it against a specific bill. We’d rather say that plainly than promise more.

Alex’s month, illustrated

10 regulars × $5.00$50.00

Platform fees (10 × $0.25)−$2.50

Processing fees (10 × $0.45)−$4.50

Bank transfer payout fee$0.00

Net to Alex$43.00

$43.00 from regulars$400.00 gap

Net per tip by amount
Tip	Platform	Processing	Net
$3.00	−$0.15	−$0.39	$2.46
$5.00	−$0.25	−$0.45	$4.30
$10.00	−$0.50	−$0.59	$8.91

Illustration of arithmetic only, not a forecast of anyone’s income. Regulars can pause or cancel at any time.

Why you can rely on it

Built so the money can be checked, not just trusted.

Direct

The employer isn’t a party to the subscription, isn’t in the payment path, and gets no dashboard, report or notification.

No pool, no split formula
You decide when to withdraw

Private

Bank accounts and card numbers are never shared between the two sides. Regulars can give anonymously.

No directory, no search, no leaderboards
Workers see four things: name or alias, amount, start date, total

Secure

Payments run through Stripe Connect, a PCI DSS Level 1 service provider. Card numbers never touch our systems.

Two-factor sign-in, mandatory for everyone
AES-256 at rest, TLS 1.2+ in transit

Auditable

Every movement is a balanced entry in an append-only, double-entry ledger. Mistakes are corrected with new entries and never erased.

Reconciled daily against the processor
Any mismatch stops payouts until explained

Where it fits

Different from the jar. Different from creator platforms.

	Tip jar / card terminal	QR tipping	Creator platforms	TipRiver
Who receives it	Often a shared pool	Usually one person, once	A creator with content	One named person you already know
Who decides the split	The employer’s policy	Varies	No split, membership tiers	Nobody. There is no split
Recurring	No	No, one-time	Yes, for content and perks	Yes, monthly, with nothing owed in return
Platform fee	Not disclosed to you	Varies by provider	e.g. 10% standard for new Patreon creators, plus processing	5%, plus processing at cost, itemized
Can you check where it went?	No	Partly	Yes	To the cent, on every tip

QR tips and TipRiver work fine together: leave a tip on a visit and keep a monthly one going too. Competitor figures are from published terms and may change.

Questions

The short answers.

Read all questions

Does my employer see any of this?

No. The employer isn’t in the payment path and has no access to account information, tip amounts or who gave them. TipRiver will never tell them. You’re free to, if you want.

If I choose $5.00, what am I charged?

$5.00. Fees come out of the tip, so you’re never charged more than the number you chose. $4.30 reaches the worker, $0.45 goes to the payment processor and $0.25 to TipRiver.

Can I stop at any time?

Yes. Change, pause or cancel from one page. Changes apply to your next monthly tip, cancellation stops all future charges, and the worker keeps what you’ve already sent.

Is this a replacement for wages?

No. It’s a small, recurring supplement from people who choose to give it. Regulars can pause or cancel, and we never present it as guaranteed income.

Start

Tip the person, not the system.

The tip jar has a middleman.

Pooling

Management discretion

Opacity

One tip, one month, in 88 seconds.

Follow one tip.

What fees cost, by tip size

One person who gives. One person who receives.

For workers

Sign up and connect how you get paid

Share your personal code

Watch net tips land, and withdraw weekly

For regulars

Enter their code or scan their QR

Choose a monthly amount

Connect PayPal, Venmo or a card