Once Ferry Tip Manager has the numbers, Ferry Pay moves the money. Tips paid instantly – to a Ferry Pay Card or directly to a nominated bank account. Earned wage access before payday. The natural next step after tips.
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
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
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
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
Visa accepted
Instant funding
Free ATM access
Mobile control
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
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 in days, grow from there.
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.
