The Problem We Wanted to Solve
In restaurants and cafes, more and more guests are paying with a card or their phone—but when it comes to tipping, they’re still looking for cash. Either they don’t have any, the amount is inconvenient, or the moment feels awkward. Employees lose out on tips, and owners have no transparency regarding the amounts.
Why it was complicated
- Customers don’t want to download an app just to leave a tip
- Employees needed a bank account that could receive instant payments
- Owners needed to see who received what and when—without Excel spreadsheets
- Everything had to work without changing how staff operate
What we built
We created tips.md—a platform where guests scan a QR code from the table or the check, choose the amount, and confirm payment directly from the banking app they already use. No app to download, no registration required. The employee receives the money in their account immediately after payment is confirmed.
Guests see the QR code, scan it in 2 seconds, and they’re done. They no longer have to search for cash or feel awkward.
What’s Changed
- Employees receive, on average, 35% more than before, when tips were only given in cash
- Over 90% of the tips left reach the employee on the same day
- Business owners can see in real time how much each employee has received, by shift and by day





