Ferry Paycard for Instant Tip Access

Give employees same-day access to their full wages, just like direct deposit, faster than paper checks. No credit checks, no waiting for payday

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Works with your POS

+many more

Trusted by Industry Leaders

Ferry is deployed across 500+ restaurants at leading multi-unit brands.

“BJ’s reduced their cash carrying costs by 66% with Ferry.”

Jake Guild

BJ's Restaurants

Senior Vice President & Chief Accounting Officer

A restaurant with a large red water tower in the background.

Paycard Built for Hospitality

When employees feel confident about getting paid, you get a stronger, more reliable team. Ferry Paycards give your workforce secure, flexible access to their money — with all the features they expect from a modern payroll solution.

Instant Tip Outs—Pay employees instantly from their very first shift — no delays, no paperwork, no waiting for payday.

No Credit Check Required—Open to all employees, regardless of banking history.

Spend with Confidence anywhere Visa is accepted, online or in-store.

40,000+ fee-free ATMs nationwide so cash is never out of reach.

Ferry Demo Form V2

Real-World Results From Restaurant Groups Using Ferry Paycard

Payroll admin became effortless and secure

No more printing, distribution, or lost check headaches. Managers saved hours per payroll cycle.

"Field teams finally felt in control and stress-free at EOD."

Employee Satisfaction & Retention Improved

Faster access to earnings reduced financial stress, and teams reported higher morale.

"Payroll became a predictable, low-stress operation."

Significant Cost Savings Realized

Eliminated check processing fees, mailing, and reissuance costs.

"Finance gained confidence and board-ready compliance."

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How Ferry Paycard Works Seamlessly

Manage your money worry-free

Bank-level Security

Funds are protected with bank-level security and FDIC insurance up to $250,000 through a trusted banking partner.
Benefit: Peace of mind and financial security.

Employees activate and use instantly

Instant Access

No credit check required. Employees can activate and begin using their funds immediately.
Benefit: Immediate usability with zero friction.

Spend, Withdraw, or Transfer

Flexible Spending

Use the card anywhere Visa is accepted, withdraw cash for free at in-network ATMs, or transfer funds to personal bank accounts.
Benefit: Complete control over earnings.

Transfer Instantly to any US debit card.

Instant Transfers

Employees can instantly transfer funds to any linked U.S. debit card for a small fee.
Benefit: Faster access to money.

Employer Oversight & Compliance

Payroll-ready Visibility

Integrated reporting, audit trails, and automatic tracking simplify payroll reconciliation while reducing compliance risk and manual effort.
Benefit: Reduced liability and easier payroll.

Demo Form

POS Integration Section V6 - Ferry

Seamless POS Integration

Seamless Integration with Your Existing Systems

Ferry Paycard works alongside your POS - no new hardware or complex setup.

Loads automatically from payroll exports or daily tip distributions.

No extra apps for employees beyond the simple Ferry app.

Full compliance with wage payment regulations.

Ferry's integration team handles everything — zero lift for IT.

POS Terminal

Clock Out - Server #127 Table 14

Cash Tips $85.00

Card Tips $142.50

Ferry Tip Declaration Embedded in your POS

Total Tips Today $227.50

Tip Pool Share $45.00

Net Payout $182.50

Works with the POS systems you already use

Quantified ROI

Ferry's Business Impact at Scale

Real results based on 100-store deployment analysis

$2M+

Annual Savings

Total impact across 100 stores from eliminated inefficiencies and recovered credits

182 hrs

Saved Per Store/Year

Manager close time drops from 30-60 min/night to just 5 minutes

$275K

FICA Credits Recovered

100% capture of tip credits at clock-out vs 30-40% missed manually

Zero

Cash Handling

Eliminate bank runs, ATM fees, armored-car deliveries, and safe maintenance

10%

Turnover Reduction

Instant payouts and transparency boost morale and retention

$8K

Per Store Check Savings

Ferry Pay Cards & EWA eliminate printed checks and processing costs

Based on key assumptions: Manager @ $25/hr, 80% digital adoption, $2K replacement cost per employee

Is Ferry a Fit for Your Organization?

Great Fit If

You issue paper checks or have delayed direct deposits

High employee turnover due to pay access issues

Unbanked or underbanked staff

Multi-location operations wanting standardized payouts

Using Ferry for tips and wanting full wage integration

May Not Be Ideal

All employees already have seamless direct deposit

Single-location with minimal payroll volume

Talk to us now!

Friction Killers Section V6 - Ferry

Common Concerns — Solved

Are there hidden fees?

No fees for loading, spending, in-network ATMs, or standard ACH transfers (fees apply for out-of network ATM withdrawals and instant transfers. See Ferry Cardholder Agreement for details.)

Is it secure?

FDIC-insured, Visa Zero Liability protection, and app-based controls.

What about employees without smartphones?

Employees can access their Ferry account via the Ferry app or online at useferry.com. Our support team is also available via phone and email 7 days a week.

Compliance with labor laws?

Fully supports wage payment elections and regulations; no credit checks required to open an account.

Integration effort?

Seamless with existing payroll, Ferry manages setup.

Trusted Across the U.S. Live in All 50 States

“Ferry is actively running across restaurant groups nationwide — delivering compliant, POS-embedded tip automation at scale.”

Ferry Lead Capture Form

Get Started Today

Tell us about your restaurant and we'll show you exactly how Ferry can help.