Cash is gone, your tips don't have to be.

Yes, absolutely! You don't need any hardware to start earning. As soon as your identity and bank verification are complete through Stripe, open the Spendigo app to access your personal QR code. Customers scan it to tip you instantly. If you later decide you'd like tap-to-tip, you can order your device kit anytime from the app.

Once your package arrives with your 4 Spendigo devices (wristband, key ring, pin, and big tag):

1. Open it and take out one of your Spendigo devices.
2. On each device, you'll see a code made of 5 letters and numbers.
3. Open the Spendigo app.
4. Tap your profile icon.
5. Tap "Your devices and QR code"
6. Tap "Add device"
7. Type in the 5-character code exactly as it appears on the device.
8. Repeat these steps for every device in your package.

Once you've entered all the codes: your devices are connected to your bank account. You're now ready to accept your first tip. Congratulations!

Customers simply tap their phone against your Spendigo device, which instantly opens a secure web page. From there, they select a tip amount, rate your service, and pay with Apple Pay, Google Pay, or any card. No downloads required!

Most users are ready to receive tips within a few minutes of creating their account and completing their Stripe verification. You don't need any devices to start, your in-app QR code is all it takes. If you order a device kit later, you can keep earning with your QR code while it's on the way.

Not at all! You can start accepting tips right away with just your in-app QR code, no hardware needed. If you'd like to make tipping even easier, you can order our lightweight NFC devices so customers can tip with a single tap. No bulky terminals, no complex setup, either way.

For individuals: the standard starter kit includes 4 devices: 1 wristband, 1 pin, 1 key ring, and 1 big tag. For businesses: we provide customized device packages, including individual tags, multi-size tags, and custom branded options tailored specifically to your team's needs.

Tips appear in your Spendigo balance immediately. Bank transfers are processed weekly by Stripe and typically arrive in your bank account within 1-2 business days.

Spendigo is designed to be durable and works perfectly for streets, venues, hotels, events, and on-the-go environments.

The physical devices work instantly, and transactions are securely processed as soon as the customer's phone or your app establishes a connection.

Yes. Businesses can assign individual devices to different team members and track tips either individually or by location.

Absolutely. All plans include custom branding options, suggested tip amounts, and personalized thank-you messages for your customers.

Yes. Businesses have access to a centralized dashboard that shows real-time tip data broken down by employee, device, or location.

Yes. Spendigo offers clear, exportable reports to simplify your accounting, payroll management, and internal reporting.

Yes. All transactions are processed through highly secure payment gateways via Stripe, our fully regulated banking partner.

Yes. Spendigo is built to comply with local payment regulations and provides clear financial records to make your tax reporting straightforward.

No. Customers will only see your public tipping page. Your personal, contact, and banking information always remains strictly private.

Creating your account and getting started are completely free. Spendigo's platform fee is just 2.8% per tip, plus standard card processing by Stripe (2.9% + $0.30). The minimum payout threshold is $10. If you choose to order a device kit for tap-to-tip, there's a one-time $20 fee (+ shipping), and you can upgrade anytime from the app.

You receive tips, and Spendigo processes them securely. Each card tip includes a total fee of 5.7% + $0.30, that's standard Stripe card processing (2.9% + $0.30) plus Spendigo's 2.8% platform fee. The remainder is transferred directly to your bank account. Customers can choose to cover this fee at checkout, so you keep the full tip.

Yes. Every card tip includes a 5.7% + $0.30 fee. That covers standard Stripe card processing (2.9% + $0.30) and the Spendigo platform fee (2.8%) — we don't mark up Stripe's rate.

No. All fees are captured at the moment of the tip, before funds reach your Spendigo balance. Once a tip shows up in your account, it's yours — nothing is deducted at payout, and there's no monthly or hidden fee.

All payments are securely handled by Stripe, a trusted global payment processor. We accept all major credit and debit cards, alongside Apple Pay and Google Pay for a seamless customer experience.

The person leaving the tip decides. At checkout, they can choose to cover the fee themselves, in which case you receive the full tip amount they intended to give. If they don't, the fee is subtracted from the tip before it's added to your balance.

Example: On a $10 tip, the fee is about $0.90. If the tipper covers it, they pay $10.90 and you receive $10. If they don't, you receive $9.13.

Standard weekly payouts are entirely free. If a customer pays using an international card, a surcharge of +1.5% plus a 1% currency conversion fee applies. These fees are displayed transparently at checkout and are paid by the customer if they choose to cover the processing fees, or deducted from your tip if they choose not to.

By creating an account and utilizing the Spendigo platform, services, or associated physical devices (including but not limited to NFC cards, wristbands, tags, or QR codes), you expressly represent, warrant, and agree to the following: