TippaMe Terms of Service

Updated June 2026

1. About TippaMe

TippaMe is a South African digital gratuity platform that enables customers to provide secure cashless gratuities to verified hospitality and service professionals through QR codes and NFC-enabled technology. TippaMe is operated by Tippame (PTY) Ltd, a company registered in South Africa.

TippaMe provides digital gratuity processing infrastructure for verified service professionals operating within legitimate hospitality, tourism, and service industry environments. TippaMe does not operate as a bank, remittance provider, cryptocurrency platform, or peer-to-peer money transfer service.

By accessing or using the TippaMe platform, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully. If you do not agree, please do not use the platform.

2. Acceptance of Terms

By registering as a Service Professional, scanning a QR code, or making a payment through TippaMe, you confirm that you have read, understood, and agree to these Terms, as well as our Privacy Policy and Acceptable Use Policy.

2a. Limited Platform Purpose

The TippaMe platform may only be used for gratuities associated with legitimate in-person service interactions within recognised hospitality, tourism, and service industry environments. TippaMe is not a general-purpose payment platform and may not be used for donations, social gifting, creator monetisation, influencer payments, or any payment unrelated to a verified in-person service experience.

3. Eligibility

• You must be at least 18 years of age to register as a Service Professional or make payments.
• Service Professionals must be legally authorised to work in South Africa.
• All Service Professionals are subject to identity and banking verification prior to activation on the platform.
• By registering, you confirm that the information you provide is accurate, complete, and up to date.

4. Service Professional Accounts

Verified Service Professionals may register for a TippaMe account to receive digital gratuities. By registering:

• You agree to provide accurate personal, identity, and banking information for verification purposes.
• You are responsible for maintaining the security of your account credentials.
• Banking details, once verified, may only be changed by contacting TippaMe support. A re-verification process will apply.
• TippaMe reserves the right to suspend or terminate accounts that violate these Terms or our Acceptable Use Policy.
• Accounts where banking verification has not been completed within 25 days of registration may be suspended pending completion of verification.

5. Platform Service Fees and Settlements

TippaMe provides a digital gratuity processing platform for verified service professionals. The following applies to all transactions:

5.1 How fees work

When a customer completes a gratuity payment, the following deductions are made before the Service Professional receives their scheduled settlement disbursement:

• Payment gateway fee — a fee charged by our payment processing provider for processing the card or EFT transaction. This fee varies depending on the payment method selected by the customer.
• Platform service fee — a percentage-based fee charged by TippaMe for providing the platform, QR and NFC infrastructure, compliance operations, and settlement services.
• Settlement transfer fee — a fee charged by our payment provider when disbursing settlements to a Service Professional's verified bank account.

The net amount received by the Service Professional equals the gratuity amount less all applicable fees. Service Professionals can view a full breakdown of their earnings, fees, and net settlement amount within the TippaMe App before confirming any settlement request.

5.2 Fee rates

Current fee rates are displayed within the TippaMe platform and may be updated from time to time. TippaMe will notify registered Service Professionals of any fee changes via email or in-app notification prior to changes taking effect.

5.3 Settlement disbursements

• Service Professionals may request a settlement disbursement to their verified South African bank account once their pending disbursement amount meets the minimum threshold displayed in the platform.
• Settlements are processed via our payment provider to the Service Professional's verified bank account and are subject to standard South African banking clearing times, typically within one business day.
• TippaMe does not hold Service Professional funds beyond what is required to process pending settlement disbursements.
• TippaMe does not guarantee any specific gratuity amount or frequency.
• Settlement disbursements are only made to verified South African bank accounts in the name of the registered Service Professional.

5.4 Payment methods

TippaMe accepts gratuity payments via credit card, debit card, and EFT (electronic funds transfer) through our accredited payment processing provider. Available payment methods may vary and are subject to change.

For full details on our refund and reversal policy, please see tippame.com/refund.

6. Customer Payments

Customers who make gratuity payments through TippaMe:

• Confirm that all payments are voluntary and made willingly as a gratuity for services rendered.
• Acknowledge that gratuity payments are non-refundable once a transaction has been completed, except in cases of fraud, duplicate processing, or verified technical error.
• Agree to provide accurate payment information.
• Accept that TippaMe is not responsible for any charges imposed by their bank or card issuer.

7. Prohibited Conduct

You agree not to use the TippaMe platform for any of the following:

• Any unlawful purpose or in violation of any applicable South African law or regulation.
• Money laundering, financial fraud, or any activity intended to disguise the origin of funds.
• Duplicating, cloning, or creating fraudulent gratuity profiles or QR codes.
• Manipulating or circumventing any security, verification, or fraud detection mechanism.
• Impersonating another person or misrepresenting your identity or employment status.
• Processing payments unrelated to legitimate service industry gratuities.
• Any activity listed in the TippaMe Acceptable Use Policy.
• Interfering with or disrupting the operation of the platform or its infrastructure.

TippaMe reserves the right to immediately suspend accounts associated with prohibited conduct and to report such activity to relevant authorities and financial institutions where required.

8. Verification and Compliance Controls

TippaMe operates compliance-focused onboarding and monitoring controls aligned with applicable South African regulations:

• All Service Professionals are subject to identity and bank account verification prior to activation.
• TippaMe reserves the right to request additional verification documentation at any time.
• Transaction monitoring is performed continuously to identify suspicious or irregular activity.
• TippaMe reserves the right to delay, suspend, or reverse transactions pending compliance review.
• TippaMe cooperates with payment providers, financial institutions, and regulators as required by law.

9. Intellectual Property

All content, trademarks, logos, and technology on the TippaMe platform are the property of Tippame (PTY) Ltd or its licensors. You may not reproduce, distribute, or create derivative works without prior written permission.

10. Privacy

Your use of TippaMe is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using TippaMe, you consent to the collection and use of your information as described in the Privacy Policy.

10a. Location Data

When you submit a gratuity payment or request a settlement disbursement, TippaMe may capture your device's approximate location at the time of that transaction. This data is used solely for fraud prevention and security monitoring — to detect anomalous payment patterns and protect the integrity of transactions and settlement disbursements.

Location data is never used for advertising or marketing, and is never sold or shared with any third party except where required by law or fraud investigation. Full details are set out in our Privacy Policy.

Location access is entirely optional. If your device does not grant location permission, or if location cannot be determined, the platform will continue to function normally. No features are restricted or degraded based on whether location data is available.

11. Limitation of Liability

To the maximum extent permitted by applicable law, TippaMe and its directors, employees, and agents shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the platform, including but not limited to loss of income, loss of data, or business interruption.

TippaMe's total liability to you for any claim shall not exceed the total fees paid by or to you through the platform in the three months preceding the claim.

12. Disclaimer of Warranties

TippaMe is provided on an "as is" and "as available" basis. We do not warrant that the platform will be uninterrupted, error-free, or free of harmful components. We reserve the right to suspend, modify, or discontinue the service at any time with reasonable notice.

13. Compliance with South African Law

TippaMe operates in compliance with applicable South African legislation including:

• Protection of Personal Information Act (POPIA) No. 4 of 2013
• Electronic Communications and Transactions Act (ECTA) No. 25 of 2002
• Consumer Protection Act (CPA) No. 68 of 2008
• Financial Intelligence Centre Act (FICA)

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these Terms shall be subject to the jurisdiction of the South African courts.

15. Changes to Terms

TippaMe reserves the right to modify these Terms at any time. We will notify registered Service Professionals of material changes via email or in-app notification. Continued use of the platform after changes constitutes acceptance of the updated Terms.

16. Contact Us

If you have any questions about these Terms, please contact us at:

Tippame (PTY) Ltd
Email: support@tippame.com
Website: tippame.com