Divvy vs Ferry

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.

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.