Ferry
What it is
Ferry Tip Manager automates restaurant tip calculations by connecting point-of-sale and workforce systems, applying operator-defined pooling rules, and calculating each employee’s share at shift end. Rules can set pool percentages by role, job code, shift, time of day, or location. Ferry creates downloadable reports for each employee and shift, showing job codes and pool rates, and says it tracks multi-state tip compliance, including minimum distribution thresholds, tipped-credit rules, and guardrails. Ferry Pay can distribute tips to a Ferry Pay Card, a nominated bank account, or through payroll. Its card page lists a $0 activation fee and $0 monthly fees, while US out-of-network ATM withdrawals carry a $3 fee. Workers can optionally access a portion of wages they have already earned before payday. Ferry also offers a Tip Share App for adjusting tip allocations in the POS within operator-set guardrails; it is listed for PosiTouch and CBS North Star. Pricing is on request. Ferry identifies Community Federal Savings Bank, Member FDIC, as its banking services provider and card issuer, and says Ferry itself is not a bank.
For and against
For
- Pool percentages can vary by role, shift, time, or location.
- Reports include per-employee, per-shift details.
- Tip payouts can go to a card, bank account, or payroll.
- Tip Share App supports guarded POS allocation changes.
- Ferry Pay Card has $0 activation and monthly fees.
Against
- Pricing is available on request.
- US out-of-network ATM withdrawals carry a $3 fee.
- Earned wage access is an optional add-on.
The verdict
Ferry combines shift-end tip calculations with reporting and payout options for restaurant operators. Review the on-request pricing and card withdrawal fee, and note that banking services and the Visa card come from Community Federal Savings Bank.
Who it suits
Ferry is intended for full-service restaurants, fine dining businesses, multi-brand groups, and hotels and hospitality operators. It may suit teams seeking automated tip pooling, shift-level reports, and optional tip payouts or earned wage access.
Plans and prices
Ferry Pay
Pricing not listed; contact sales; optional add-on
Read 5 Oct 2026 · useferry.com
Ferry Tip Manager
Pricing not listed; contact sales
Read 5 Oct 2026 · useferry.com
On the record
- Audit records
- Ferry creates per-shift, per-employee tip reports with job codes and pool rates, described as downloadable and audit-ready.useferry.com · read 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.useferry.com · read 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.useferry.com · read 5 Oct 2026
- Compliance
- Ferry says it tracks multi-state tip compliance and includes minimum distribution thresholds, tipped-credit rules, and guardrails.useferry.com · read 5 Oct 2026
- Custom rules
- Operators can set tip-pool percentages by role, shift type, time of day, or location.useferry.com · read 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.useferry.com · read 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.useferry.com · read 5 Oct 2026
- Free tool
- Ferry offers a free tip-pool and tip-out calculator and says it is a planning tool, not legal or tax advice.useferry.com · read 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.useferry.com · read 5 Oct 2026
- Intended users
- Ferry describes Tip Manager as built for full-service restaurants, fine dining, multi-brand groups, and hotels and hospitality.useferry.com · read 5 Oct 2026
- Mobile wallet
- The Ferry Pay Card page says digital cards can be added to Apple Pay and Google Pay.useferry.com · read 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.useferry.com · read 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.useferry.com · read 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.useferry.com · read 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.useferry.com · read 5 Oct 2026
- Setup
- Ferry says customers can go live the same day without an HRIS integration, using payroll-ready files.useferry.com · read 5 Oct 2026
- Support
- Ferry support is available Monday through Friday, 9am–6pm ET, and typically responds within a few hours.useferry.com · read 5 Oct 2026
- Tip rules
- Operators can configure pool percentages by role, job code, shift, time of day, or location.useferry.com · read 5 Oct 2026
