Fees Policy

1. Overview

This Fees Policy describes the fees that apply when you send or receive money through tipme, and how failed payments, chargebacks, and disputes are handled. It is part of, and should be read together with, our Terms & Conditions. If this policy and the Terms & Conditions conflict, the Terms & Conditions control.

All amounts on tipme are in U.S. dollars (USD). All payment processing is performed by our payment processor, Stripe.

2. Fees for Customers (Payers)

When you send a tip or pay for a service, the Recipient decides (separately for each of their payment pages and each payment request) whether the processing fee is paid by you or by them. If you pay it, a single flat processing fee (customer surcharge) is added to the amount you choose. The fee is the same regardless of payment method: currently approximately 4.1% of the tip or service amount + $0.31. If the Recipient pays it, no surcharge is added and you are charged exactly the tip or service amount. The exact fee, if any, and the total you will be charged are always displayed before you confirm a payment; you are never charged more than the total shown at checkout.

Whoever pays it, the fee covers the payment-processing costs charged by our payment processor (Stripe) plus tipme’s platform commission. The breakdown depends on how the payment is made:

• Online payments (QR-code payment page): payment-processing costs are currently 2.9% + $0.30 per transaction; tipme's platform commission is 1.1% of the tip or service amount (+ $0.00).
• Tap to Pay (in person, tipme mobile app only): payment-processing costs are currently 2.7% + $0.05 per transaction plus a $0.10 Tap to Pay authorization fee; tipme's platform commission is approximately 1.3% + $0.25 before the authorization fee (approximately 1.3% + $0.15 after it).

3. Fees for Recipients

You choose who pays the processing fee, separately for each of your payment pages and each payment request, with the “Who pays the fees?” setting in the tipme dashboard or mobile app. What you receive depends on that setting:

Customer (the default): You receive the full tip or service amount. The customer surcharge covers processing costs and tipme’s commission, so nothing is deducted from the amount a customer chooses to send you.

Me: The customer is charged exactly the tip or service amount, with no surcharge, and a processing fee of 4% of that amount + $0.30 is deducted from what you receive (for example, $2.30 on a $50.00 payment, so you receive $47.70). This fee covers the payment-processing costs charged by Stripe and tipme’s platform commission.

A new payment request starts with the setting of the page it is created from, and you can change it until the request is paid. A change to a page’s or a request’s setting applies only to payments made after the change; completed payments are not affected. The customer always sees the exact total before paying.

tipme charges no signup, monthly, subscription, or account-maintenance fees. Creating an account, generating QR codes and payment links, and receiving payments are free.

4. Payout Fees and Minimums

Standard payouts (bank transfer): Free. Funds typically arrive within 1–3 business days after the payout is initiated.

Instant payouts (eligible debit card): A fee of 1% of the payout amount, with a $0.50 minimum, is deducted from the payout. Funds typically arrive within minutes.

Minimum payout: The minimum payout amount is $1.00. New accounts and certain transactions may be subject to holds and settlement review as described in the Terms & Conditions.

5. In-Person Payments (Tap to Pay)

Recipients can accept in-person contactless payments (cards, Apple Pay, Google Pay, and other digital wallets) using Tap to Pay. Tap to Pay is available only in the tipme mobile app for iPhone and Android. It is not available on the web version of tipme.

In-person payments use the same fee model as online payments and follow the “Who pays the fees?” setting of the payment page used to take the payment. If the customer pays the fee, the customer pays the tip or service amount plus the same processing surcharge that would apply online (see Section 2), and the Recipient receives the full tip or service amount. If the Recipient pays the fee, the customer is charged exactly the tip or service amount and the same fee that applies online is deducted from what the Recipient receives (see Section 3). Either way, the exact total is displayed before the customer taps, and there is no additional Recipient fee for using Tap to Pay.

Our payment processor charges a lower base rate for in-person (card-present) transactions (currently 2.7% + $0.05 per transaction, versus 2.9% + $0.30 online), plus a $0.10 Tap to Pay authorization fee on every Tap to Pay transaction, including declined or unsuccessful attempts. These processor fees are paid by tipme out of the processing fee (whether the customer or the Recipient pays it); they are never charged to the customer or the Recipient in addition to that fee. Because the processing fee is calculated the same way for both channels, the remaining difference is retained by tipme as part of its platform commission (approximately 1.3% + $0.15 per successful Tap to Pay transaction; see Section 2).

6. Failed, Declined, or Delayed Payments

A payment can fail or be declined for reasons outside tipme's control, for example a card issuer decline, insufficient funds, incorrect payment details, network or bank outages, or fraud-prevention checks by the payment processor. No fee is charged for a failed or declined payment, and failed payments are not retried without a new authorization.

To the maximum extent permitted by law, tipme is not responsible or liable for losses arising from a payment or payout that fails, is declined, or is delayed by a card issuer, bank, payment network, or payment processor, or because of inaccurate information provided by a Payer or Recipient. If a payment fails, the Payer's card is not charged (or the charge is automatically reversed by the processor), and the corresponding amount is not credited to the Recipient. This section is subject to the disclaimers and limitation of liability in Section 15 of the Terms & Conditions.

7. Chargebacks and Disputes

If a Payer disputes a charge with their card issuer or bank (a chargeback), the dispute is handled through Stripe's formal dispute process. Card networks charge a dispute fee (currently $15 per dispute) regardless of the outcome.

Because tipme is the merchant of record, a chargeback and its associated fees are initially charged against tipme. As described in Section 10 of the Terms & Conditions, tipme may recover the disputed amount and associated fees from the responsible Recipient, including by reversing or withholding transfers, debiting the Recipient's balance, or offsetting against future payouts.

Payers should first contact the Recipient or support@tipme-app.com to resolve a problem. Most issues are resolved faster this way than through a formal dispute. Abusing the chargeback process (for example, disputing a tip or service you authorized and received) violates the Terms & Conditions.

8. Taxes

Fees under this policy do not include taxes. Recipients are solely responsible for any taxes on amounts received through tipme, as described in Section 11 of the Terms & Conditions.

9. Changes to This Policy

We may update this Fees Policy from time to time. Fee increases will be announced at least 30 days in advance to account holders. The current version is always available on this page, and the "Last updated" date reflects the most recent change.

10. Contact

Questions about fees or a specific charge? Contact support@tipme-app.com.

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