Actual vs Divvy

Actual provides hospitality businesses with tools for tip distribution, payroll processing, employee scheduling, and operational workflows. Its tip tools automate calculations, division, and payments while giving employees detailed reports. Teams can define custom pool rules, allocate tips by shift, and keep records at both levels. The Canadian tips product is intended for restaurants, hotels, and coffee shops working with federal and provincial requirements for Direct Tips and Controlled Tips. Actual lists integrations with 7shifts, OpenTable, Toast, ADP, Clover, Homebase, Lightspeed, QuickBooks, and Payworks. In the United States, payout schedules can range from daily to bi-weekly; employees can receive tips on Branch debit cards or directly in bank accounts, with Branch card payments described as free for employers and employees. Pricing is on request, with a free one-to-one product demo. Actual is the business name of Atlas Restaurant Management Systems Inc., headquartered in Ontario. Primary infrastructure is hosted in Canada, with some processing in other jurisdictions.

Divvy connects restaurant point-of-sale data to tip rules and shows managers and employees how each payout was calculated. It supports Toast, Square, Clover, Heartland, and Shift4 (SkyTab), with CSV import for other data. Tip pools can split evenly or use hours, points, per-role rules, or keep-your-own methods. Automatic tip-outs route shares to support roles using tips or sales, with caps to prevent negative balances. Employees can see tips, hours, pay-period totals, and real-time earnings in the portal and Tip Bank. Managers get date-ranged earnings reports, payroll export, IRS Form 8027 gross-receipts tracking, and a payout audit log. The Hiring Hub supports job postings, applicant tracking, careers pages, and onboarding. Core costs $39 a month per restaurant; Payouts costs $69 a month per restaurant and adds direct deposits through Stripe. A 14-day trial is available. Divvy runs in a browser on desktop and mobile devices; its native iOS app is still in development.