Ferry Pay

Tips out.
Every shift.
Every time.

Once Ferry Tip Manager has the numbers, Ferry Pay moves the money. Tip payout software that pays tips instantly – to a Ferry Pay Card or directly to a nominated bank account. Earned wage access before payday. The natural next step after tips.

Get Started FreeSee How It Works ↓
Bartender pouring a cocktail on a shift that ends with an instant digital tip payout.
<60s
Tips to‍
‍Pay Card
200+
Locations live
66%
Cash cost reduction
30s
Worker setup time
CONTINUED AUTOMATION
Ferry Pay picks up exactly where Ferry Tip Manager leaves off.
Once the numbers are confirmed, Ferry Pay handles everything from there – no manager intervention, no separate system to log into.
80%
Of hourly workers prefer end of shift pay
75%
Annual restaurant industry turnover
$6K+
Cost to replace one hourly worker
How It Works

From calculation to cash.

01
Automated Handoff
The numbers arrive from Ferry Tip Manager. Every tip is calculated, every pool is applied, every employee amount is confirmed. Ferry Pay receives a clean, verified disbursement file – no re-keying, no manual handoff.
→ Integrates with Toast, Square, Clover & more
Verified disbursement file from Ferry Tip Manager — 22 employees, 6 tip pools, ready for payout.
02
Distribute
Tips paid out at shift end.Workers receive their tips the moment the shift closes – to a Ferry Pay Card or directly to a nominated bank account. No cash envelope. No manager carrying a float. No waiting.
→ Pay Card funded in under 60 seconds
Payouts list — tips paid to Pay Card and bank at shift end, funded in under 60 seconds.
03
Earned Wage Access
‍Between pay cycles, workers can access a portion of their already-earned wages through Ferry Pay – separately from tips. It's not a loan and it's not an advance. It's their money, available when they need it.
→ Optional Add On
Earned wage access widget — wages earned this week and the amount available before payday, transferable to the Pay Card.
FERRY PAY CARD
Instant access.
No bank account needed.
The Ferry Pay Card puts tips and wages directly in workers' hands at the end of every shift. A Visa® prepaid payroll card, issued by Community Federal Savings Bank, Member FDIC.
40M+
Merchants
$0
Monthly fees
<60s
Card funding
Ferry Pay Card — Visa prepaid debit card funded instantly at shift end.
Visa accepted
Instant funding
Free ATM access
Mobile control
Restaurant staff member reviewing her tip payout on a tablet.
Earned Wage Access

Wages earned. Not borrowed.

Ferry Pay lets workers access a portion of their earned wages before their next payday. It's not an advance and it's not a loan – it's their money, available when they need it.

Standard transfers are free. Instant transfers carry a small fee, paid by the worker only if they choose speed. There's no cost to you as the operator and no liability to take on – you're simply making the option available to your team.
Workers can access a portion of their earned wages before the standard payroll cycle runs.
Reduces financial stress at the source: Unexpected bills, car repairs, childcare gaps – these hit hourly workers hard.
Improves shift pickup and retention: Workers who can access their pay faster are more likely to pick up shifts and stay longer.
who wins

Everything your team needs
to get paid.

For operators

Eliminate cash handling at shift end
Reduce manager overtime
Lower staff turnover, higher shift coverage
Full audit trail on every disbursement

For workers

Tips on the card at shift end
Access wages before payday
No bank account required
Balance and history visible in the Ferry app
"
Ferry restored our pre-COVID retention levels and reduced cash handling costs by over 66% across 200+ locations.
JG
Jake Guild
SVP & CAO, BJ's Restaurants
200+
Locations
66%
Cost savings
Café staff member with a tablet, checking earned wages available before payday.
GET STARTED

Ready to get tips off your to-do list?

Start with Ferry Tip Manager and you'll be ready to switch on Ferry Pay when the time is right. Live same day, grow from there.

Talk to SalesExplore Ferry Tip Manager  →
Ferry
Automated tip management for multi-
location restaurants.
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Ferry is a financial technology company, not a bank. Banking services are provided by Community Federal Savings Bank, Member FDIC.
Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.