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Ferry

useferry.com

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What it is

Ferry automates restaurant tip calculations by connecting point-of-sale and workforce systems, applying operator-set pooling rules, and calculating employee tips at shift end. Operators can configure pool percentages by role, job code, shift, time of day, or location. Ferry creates downloadable per-employee, per-shift reports with job codes and pool rates, described as audit-ready, and says it tracks multi-state tip compliance with 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; card funding is described as taking under 60 seconds. Workers can optionally access a portion of wages they have already earned before payday. The Ferry Pay Card lists a $0 activation fee and $0 monthly fees, while US out-of-network ATM withdrawals carry a $3 fee. Ferry names integrations including Toast, Square, Clover, Lightspeed, POSitouch, Aloha, ADP, Gusto, Paychex, and 7shifts. Its Tip Share App lets employees adjust POS tip allocations within operator-set guardrails and is listed for PosiTouch and CBS North Star. Pricing for Tip Manager and Ferry Pay is on request.

Spec sheet

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.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Intended users
Ferry describes Tip Manager as built for full-service restaurants, fine dining, multi-brand groups, and hotels and hospitality.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Compliance
Ferry says it tracks multi-state tip compliance and includes minimum distribution thresholds, tipped-credit rules, and guardrails.Read 5 Oct 2026 · useferry.com
Support
Ferry support is available Monday through Friday, 9am–6pm ET, and typically responds within a few hours.Read 5 Oct 2026 · useferry.com
Audit records
Ferry creates per-shift, per-employee tip reports with job codes and pool rates, described as downloadable and audit-ready.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Custom rules
Operators can set tip-pool percentages by role, shift type, time of day, or location.Read 5 Oct 2026 · useferry.com
Earned wage access
Ferry Pay offers workers access to a portion of wages they have already earned before payday as an optional add-on.Read 5 Oct 2026 · useferry.com
Ferry Pay
Ferry Pay distributes tips to a Ferry Pay Card, nominated bank account, or through payroll, and offers optional earned wage access.Read 5 Oct 2026 · useferry.com
Free tool
Ferry offers a free tip-pool and tip-out calculator and says it is a planning tool, not legal or tax advice.Read 5 Oct 2026 · useferry.com
Mobile wallet
The Ferry Pay Card page says digital cards can be added to Apple Pay and Google Pay.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Reporting
Ferry produces per-employee, per-shift tip reports with job codes and pool rates, and describes the records as downloadable and audit-ready.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Setup
Ferry says customers can go live the same day without an HRIS integration, using payroll-ready files.Read 5 Oct 2026 · useferry.com
Tip rules
Operators can configure pool percentages by role, job code, shift, time of day, or location.Read 5 Oct 2026 · useferry.com
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.Read 5 Oct 2026 · useferry.com
Who it serves
Ferry describes its intended customers as full-service restaurants, fine dining businesses, multi-brand groups, and hotels and hospitality operators.Read 5 Oct 2026 · useferry.com

Plans and prices

Ferry Pay Priced on request Pricing not listed; contact sales; optional add-on Read 5 Oct 2026 · useferry.com
Ferry Tip Manager Priced on request Pricing not listed; contact sales Read 5 Oct 2026 · useferry.com

Every Ferry plan and price →

Strong points and limits

Strong points

  • Pooling rules can vary by role, job code, and location.
  • Reports detail tips by employee and shift.
  • Tips can be distributed to cards, bank accounts, or payroll.
  • Optional earned wage access is available.

Limits

  • Tip Manager pricing is on request.
  • Ferry Pay pricing is on request.
  • US out-of-network ATM withdrawals cost $3.

Who it suits

Ferry describes Tip Manager for full-service restaurants, fine dining, multi-brand groups, and hotels and hospitality operators. It may suit operators who need shift-level tip calculations, distribution, and records.

Verdict

Ferry combines configurable tip pooling, shift-level reports, and payout options for restaurant operators. Buyers should confirm plan pricing and whether the listed integrations and tip-allocation app fit their systems.

Where Specifiction places it

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