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Tiplo

Tiplo is a web platform for moving restaurant credit-card tips from a Tiplo wallet into employees’ existing bank accounts.

Place
#17 of 23
Score
5.9
Tiplo's website

What Tiplo is

Tiplo is a web platform for moving restaurant credit-card tips from a Tiplo wallet into employees’ existing bank accounts. Restaurants can assign tips to the day earned and distribute them daily or weekly. Tip pools divide tips among roles or departments using custom percentages, while tip-outs can use percentage formulas or hours worked and allow manual overrides. Employee profiles show earned, paid, and pending tips, pool shares, and payment history. Bookkeeping tools include POS-aligned exports, cash reconciliation, and a ledger for wallet funding and staff payouts. Tiplo describes itself as standalone and requiring no integrations. Restaurants fund their own wallet, and the company says it does not pull funds without authorization. The Essential plan costs $89 a month.

Good

  • Daily or weekly tip attribution
  • Custom percentage tip pools
  • Manual tip-out overrides
  • Employees use existing bank accounts
  • No integrations required

Watch out

  • Essential costs 89.00 USD monthly
  • Tax obligations require accountant guidance
  • Enterprise fee withholding can reach 1.5%

Who it suits

Tiplo is aimed at restaurants such as bakeries, cafes, bars, caterers, quick-service businesses, and franchises. It suits operators needing structured tip attribution, pooling, payouts, and records.

Verdict

Tiplo focuses on restaurant tip distribution, employee visibility, and payout records without requiring integrations. Its listed pricing and the need for accounting guidance are important buying considerations.

Plans and prices

From Tiplo's own pricing page, checked 8 Oct 2026.

All about pricing
PlanPriceWhat it gives you
Essential$89 a monthDaily & weekly tip attribution · Automated tip pool calculation · Custom payout schedule · Staff-initiated payouts · Funding and payout ledger
EnterprisePriced on requestEverything in Essential · Withhold up to 1.5% of card tips for fees · Customizable built-in tip calculator · Tip committee management · Dedicated account manager · 24/7 priority support

The facts

Each one read from Tiplo's own pages, with the date it was checked.

What it does

Automation
Tiplo can calculate tip-outs from percentage formulas or hours worked, with manual overrides.checked 8 Oct 2026
Bookkeeping
Tiplo offers POS-aligned exports, cash reconciliation, and a ledger of wallet funding and staff payouts.checked 8 Oct 2026
Compliance guidance
Tiplo says operators should consult their accountant about tax obligations for their specific direct-tip arrangement.checked 8 Oct 2026
Employee accounts
Employees can receive deposits in existing bank accounts without a special account or prepaid card.checked 8 Oct 2026
Fee withholding
Tiplo offers optional card-tip fee withholding, with Enterprise listing withholding up to 1.5%.checked 8 Oct 2026
Integrations
Tiplo describes itself as a standalone platform that requires no integrations.checked 8 Oct 2026
Intended users
Tiplo is aimed at restaurants including bakeries, cafes, bars, catering businesses, quick-service restaurants, and franchises.checked 8 Oct 2026
Purpose
Tiplo moves credit card tips from a restaurant’s Tiplo wallet directly to staff bank accounts.checked 8 Oct 2026
Setup
Tiplo says setup takes less than 30 days and includes business due diligence by its banking partners.checked 8 Oct 2026
Staff visibility
Employees can view tips earned, paid, pending, pool shares, and payment history in their profiles.checked 8 Oct 2026
Support
The Enterprise plan includes a dedicated account manager and 24/7 priority support.checked 8 Oct 2026
Tip attribution
Restaurants can assign tips by day earned and distribute them daily or weekly.checked 8 Oct 2026
Tip pools
Tip pools can split tips across roles or departments using custom percentages.checked 8 Oct 2026
Wallet control
Restaurants fund their own Tiplo wallet, and the company says it does not pull funds without authorization.checked 8 Oct 2026

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