PARTNERS · ACQUIRERS / ISOs
Tip4 sits inside the payment flow — we know acquirers and ISOs the way most tipping vendors don't, because Payment Guru, our parent, is one. 16+ years in payments, means two things for you: a properly-built tipping product to add to your portfolio, and a team who know what and how payment partnerships need to work.
Small change. Big difference.
PARTNERSHIP IN PAYMENTS
We purposefully built a level of agnosticism in our first product. Why? Because it allows us to work with partners rather than rip them out. It also allows us to have a range of acquirers with a turn-key solution. This helps us in regards to flipping merchants, but it helps you to have a solution you can use tomorrow.
Semi-agnostic — you own the devices and acquiring
You refer hospitality, salon, and transport merchants for tipping. We sign them up. You earn recurring referral revenue on the SaaS subscription for the lifetime of the merchant.
Semi-agnostic — we own the devices and acquiring
You refer merchants for tipping and payments. You earn recurring referral revenue on the payments and SaaS subscription for the lifetime of the merchant. Tools and support available for smaller ISOs and independent consultants.
We integrate our app on your terminals
We integrate and install the UI to help with split payments, increasing tip values, and reporting fully the tip flow. You earn recurring referral revenue on the SaaS subscription for the lifetime of the merchant.
QR codes (coming soon) — your merchant account
You refer merchants for tipping and payments. We integrate your gateway and you can keep the revenue.
QR codes (coming soon) — our PFAC facilities
You refer merchants for tipping and payments. You earn recurring referral revenue on the payments and SaaS subscription for the lifetime of the merchant.
*full commercials to be discussed on a case by case basis.
Tipping referrals + processing volume.
Some tipping platforms compete with acquirers for the merchant relationship — they bundle their own card processing and lock you out. We can do the opposite. We're acquirer-agnostic, and we're happy to route processing through your portfolio when the merchant fits. Let’s win together.
Tipping referral revenue, and a shiny product set!
Access to a new revenue stream. A great way to further incentivise staff and resellers. Create that wedge issue for your sales teams.
Card processing increases – win, retain and grow
Tipping volume attracts Merchant Service Charges and we increase these through our UI. Keeping your customers with happier staff and happier customers, means they stay open longer, stickier to you, hence fewer losses to your business. A perfect part of a win, retain and grow strategy.
Service charge + tip in one transaction
Most tipping providers can't handle the service charge cleanly. We can — and we do it as part of the same authorisation, so the merchant sees one transaction and you see the full ticket. Single transaction for service charge, tip, surcharge and the business’ service themselves. No duplicate transactions, no quirky workarounds.
Split settlement solutions
Our solutions don’t rely on using a PFAC for the payment splits. Our payment-splitting infrastructure isn't only useful for tips. This means we can cleanly work with multiple acquirer solutions, charity giving, multi-party lending, and surcharging models. The same flow handles marketplace settlement, and platform fee distribution. If your merchant portfolio includes any of those, our infrastructure has more to offer than tipping alone.
Integrated terminal solutions for ISVs
We plan to integrate over time with most EPOS and PMS solutions. We have a great wedge issue and would love to work together with you on a joint partnership. If we have integrations and solutions with an ISV, you may be able to piggy back us and work in tandem.
We speak your language because we are your language.
Tip4 is part of Payment Guru. That gives us deep familiarity with the acquirer and ISO commercial models, the regulatory environment, and the technical patterns the rest of the industry uses. We know what merchant onboarding actually looks like; we know how to slot into your sales motion without disrupting it.
REAL TALK
The tipping market alone is worth a partnership conversation. The fact that the same payment-splitting tech serves charity giving, lending, and marketplace settlement means there's more to talk about than just hospitality.
Are we card company, yes, let’s not hide that. Much of our industry is now littered with ‘frenemies’ or ‘co-opetition’, whatever business speak phrase you wish to use. We value and honour our relationships and having worked inside big acquirers, know how important the Chinese walls and rules of engagement are. If you refer to us, we aren’t targeting that customer. If we win it on the open market, it’s fair game. Our suggestion is better therefore to work with us, than compete.