Your tips and wages without the wait  

No waiting for payday. No chasing cash tips. No bank account required. Just your money, when you've earned it.
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Server placing a pasta dish on a restaurant table where a woman is seated with a glass of white wine.
Built for workers

The Ferry Pay app keeps it all in one place

Your tips, your wages, your card – all in the Ferry Pay app, all in your hand:
- See your tips and wages, shift by shift
- Move money to your own bank whenever you want
- Freeze your card in seconds, or order a replacement, if it's lost or stolen
- Find fee-free ATMs nearby*


*Find in-network ATMs using the Ferry Pay app (if accessible to you) or moneypass.com/atm-locator.html. Each out-of-network ATM withdrawal in the US will incur a fee. Other third parties, such as the ATM owner or operator, may charge additional fees. Please see the Payroll Cardholder Agreement for additional details.

Male chef in orange apron inspecting plated dishes in a busy restaurant kitchen.
how it works

Ferry Pay is all you need.

No more waiting for next payday

When your shift's done, Ferry Tip Manager works out what you're owed and splits it fairly, then Ferry Pay sends it your way – no manager doing sums in the back office, no envelope of cash to keep safe. Depending on your employer's setup, your tips can reach you the same day, so you're not left waiting on next week's check.

Safe, Secure & Yours

Real-time alerts, instant card freezing, and bank-level security keep your money protected. Ferry is a financial technology company, not a bank – banking services are provided by Community Federal Savings Bank, Member FDIC.

Need some before payday?

Life doesn't always line up with payday. If your employer offers Express Pay, you can access wages you've already earned ahead of your usual pay date, right from the Ferry Pay app – so a surprise bill doesn't have to turn into a stressful week. Availability varies by employer and location.

No bank account? We've got you

Your Ferry Pay Card works anywhere Visa® is accepted across the US (all 50 states and DC), so you can spend and get paid from day one, bank account or not. Already have a bank you love? Send your money straight there instead. However you like to handle your money, that part's up to you.

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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.