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Tippay by Radar Payments enables staff tips direct into their account

Paytech processing provider Radar Payments has launched a standalone service for tipping and gratuity that can be deployed by financial institutions to help reward hospitality staff and other workers for their services.

Digital tipping

Tippay by Radar Payments enables staff tips direct into their account

Banks can use Tippay as a standalone app available in their business client outlets and to partners for more tipping convenience.

The service enables banks to reach new potential customers while generating additional revenues by taking a minimal fee on every tip registered.

The roll out of the new tech comes at a time when the number of cash transactions fell by more than a third in 2020, with over 13 million people relying exclusively on digital payments – double the number from the previous year.

The shift towards a cashless society also presents a problem for workers and businesses that rely on gratuities to make a living wage.

While historically people have been happy to tip in cash, the move to digital payments, coupled with lockdown restrictions and restaurants relying on takeaway and delivery services means that many customers don’t know how to tip or even whether a tip goes directly to the worker that served them.

With these challenges in mind, Radar Payments and financial institutions have co-innovated to create Tippay, an application that simplifies the collection of tips and ensures workers directly receive their tips digitally.

Banks can deploy Tippay as a standalone web app or integrate it with existing systems.

For example, financial institutions that use Tippay have integrated it with their card ID database to ensure users can easily select a card to tip or get tipped if they are an existing client of the bank.

Workers visit the bank’s Tippay page and register using their phone number while setting up their password.

They can also add their card details if they are not a customer of the bank providing the Tippay service.

Users generate a personal QR code which they can share with people who wish to tip them – if the worker has multiple jobs, multiple QR codes can be created.

A dashboard provides a full view of tipping performance by hour, day or week as well as by job by using the personalisation tools.

People can then tip workers easily by scanning a QR code, choosing the amount to tip and selecting their convenient payment method, without the need to use any application.

Commenting on the new announcement, Evgenia Loginova, CEO Radar Payments said: “This shift in payment behaviour is a positive development for businesses and financial institutions as it reduces cash handling costs.

However, on the consumer side opinion is more divided. On one hand, contactless payment offers more convenience and has reduced the spread of coronavirus by minimising physical contact during the payment process.

On the other, it negatively impacts industries such as hospitality and leisure which employ millions of workers who rely on tips and gratuities to supplement their basic wages.

Small businesses often do not have the right tools in place to offer an alternative, while offering tipping via card often leads to these gratuities being pooled and not reaching the person they were intended for.”


About Radar Payments

Radar Payments is a leading innovative payment processing provider dedicated to financial institutions, including payment service providers (PSPs), banks, acquirers, issuers, and fintechs. It offers advisory services and a one-stop platform for end-to-end omnichannnel processing, enabling the acceptance of most of the widely adopted payment methods, delivered on a PaaS, SaaS, or fully managed service model. Built using BPC’s SmartVista, an industry-recognised payment solution, the Radar Payments platform delivers scalability, resilience, performance, and unparalleled security. Radar Payments is fully owned by BPC and blends BPC’s 25 years of expertise in payments with the fintech world – using the latest digital technologies to create innovative customer payment experiences.


About BPC
Founded in 1996, BPC has transformed over the years to deliver innovative and best in class proven solutions which fit with today’s consumer lifestyle when banking, shopping or moving in both urban and rural areas, bridging real life and the digital world. With 350 customers across 95 countries globally, BPC collaborates with all ecosystem players ranging from tier one banks to neobanks, Payment Service Providers (PSPs) to large processors, ecommerce giants to start-up merchants, and government bodies to local hail riding companies. BPC’s SmartVista suite comprises cutting-edge banking, commerce and mobility solutions including digital banking, ATM & switching, payments processing, card and fraud management, financial inclusion, merchant portals, transport and smart cities solutions.


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