Ferry
Ferry helps restaurants calculate and distribute employee tips at the end of each shift.
What Ferry is
Ferry helps restaurants calculate and distribute employee tips at the end of each shift. Tip Manager connects to POS and workforce systems, applies operator-defined pooling rules, and calculates each employee’s share. Rules can vary by role, job code, shift, time of day, or location. Reports show per-employee and per-shift details, including job codes and pool rates, and are described as downloadable and audit-ready. Ferry says its compliance tools track multi-state tip requirements, with minimum distribution thresholds, tipped-credit rules, and guardrails. Ferry Pay can send tips to a Ferry Pay Card, a nominated bank account, or through payroll; card funding is described as taking under 60 seconds. Workers can optionally access part of wages already earned before payday. Named integrations include Toast, Square, Clover, Lightspeed, POSitouch, Aloha, ADP, Gusto, Paychex, and 7shifts. Ferry also offers a free tip-pool and tip-out calculator, which it says is for planning rather than legal or tax advice. Ferry is a financial technology company, not a bank; Community Federal Savings Bank provides banking services and issues the Visa card.
Good
- Pool percentages can vary by role, shift, and location.
- Reports include employee, shift, job-code, and pool-rate details.
- Tips can be sent to a card, bank account, or payroll.
- A free tip-pool and tip-out calculator is available.
Watch out
- Tip Manager pricing is available by contacting sales.
- The Ferry Pay Card charges $3 for US out-of-network ATM withdrawals.
- The free calculator is not legal or tax advice.
Who it suits
Ferry is intended for full-service restaurants, fine dining businesses, multi-brand groups, and hotels and hospitality operators. It suits teams seeking shift-based tip calculations and distribution with configurable pooling rules.
Verdict
Ferry combines configurable tip calculations with reporting and payout options for restaurant and hospitality teams. Review the available integrations and sales-based pricing, and note that banking services and the card come from Community Federal Savings Bank.
Plans and prices
From Ferry's own pricing page, checked 5 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Ferry Pay | Priced on request | Pricing not listed; contact sales; optional add-on |
| Ferry Tip Manager | Priced on request | Pricing not listed; contact sales |
The facts
Each one read from Ferry's own pages, with the date it was checked.
What it does
- Audit records
- Ferry creates per-shift, per-employee tip reports with job codes and pool rates, described as downloadable and audit-ready.checked 5 Oct 2026
- Banking and card issuer
- Ferry says it is a financial technology company, not a bank, and identifies Community Federal Savings Bank, Member FDIC, as the banking services provider and card issuer.checked 5 Oct 2026
- Card fees
- The Ferry Pay Card page lists a $0 activation fee and $0 monthly fees, and says US out-of-network ATM withdrawals carry a $3 fee.checked 5 Oct 2026
- Compliance
- Ferry says it tracks multi-state tip compliance and includes minimum distribution thresholds, tipped-credit rules, and guardrails.checked 5 Oct 2026
- Custom rules
- Operators can set tip-pool percentages by role, shift type, time of day, or location.checked 5 Oct 2026
- Earned wage access
- Ferry Pay offers workers access to a portion of wages they have already earned before payday as an optional add-on.checked 5 Oct 2026
- Ferry Pay
- Ferry Pay distributes tips to a Ferry Pay Card, nominated bank account, or through payroll, and offers optional earned wage access.checked 5 Oct 2026
- Integrations
- Named integrations include Toast, Square, 7shifts, ADP, Gusto, Clover, Lightspeed, and Paychex; Ferry also says it can work with payroll data or a CSV export.checked 5 Oct 2026
- Intended users
- Ferry describes Tip Manager as built for full-service restaurants, fine dining, multi-brand groups, and hotels and hospitality.checked 5 Oct 2026
- Mobile wallet
- The Ferry Pay Card page says digital cards can be added to Apple Pay and Google Pay.checked 5 Oct 2026
- Payouts
- Ferry Pay can send tips to a Ferry Pay Card or a nominated bank account at shift end; card funding is described as taking under 60 seconds.checked 5 Oct 2026
- Product
- Ferry automates restaurant tip calculations by connecting to POS and workforce systems, applying pooling rules, and calculating each employee’s tips at shift end.checked 5 Oct 2026
- Reporting
- Ferry produces per-employee, per-shift tip reports with job codes and pool rates, and describes the records as downloadable and audit-ready.checked 5 Oct 2026
- Security and banking
- Ferry says it is a financial technology company, not a bank; banking services and the Visa card are provided or issued by Community Federal Savings Bank, Member FDIC.checked 5 Oct 2026
- Setup
- Ferry says customers can go live the same day without an HRIS integration, using payroll-ready files.checked 5 Oct 2026
- Support
- Operator support is available Monday through Friday, 9am–6pm ET, and Ferry says it typically responds within a few hours.checked 5 Oct 2026
- Tip rules
- Operators can configure pool percentages by role, job code, shift, time of day, or location.checked 5 Oct 2026
- What it does
- Ferry Tip Manager connects to POS and HR systems, applies tip-pooling rules, and calculates tip distributions for employees at shift end.checked 5 Oct 2026
- Who it serves
- Ferry describes its intended customers as full-service restaurants, fine dining businesses, multi-brand groups, and hotels and hospitality operators.checked 5 Oct 2026
Money
- Free tool
- Ferry offers a free tip-pool and tip-out calculator and says it is a planning tool, not legal or tax advice.checked 5 Oct 2026
Where it runs
- Tip Share App
- The Tip Share App lets employees adjust tip allocations in the POS within operator-set guardrails, and the page says it is available in PosiTouch and CBS North Star.checked 5 Oct 2026
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