Why non-cash tips in Russia - a billion market, which interferes with stereotypes

What interesting in such services and why banks buy them or launch.

Terminals for TipS +

Why banks online payment of tips and how much money in this market

On February 15, 2021, Forbes, with reference to the sources, said that in the near future Alfa-Bank will buy a Netmontnet service, through which visitors to the institutions can leave Tips from the cards. Representatives of the Company do not comment on a possible transaction, although the co-owner "Non-Monette" Georgy Vysotsky said that the service is preparing for an investment transaction and plans to close it until the end of February.

Alpha Bank is not the first of the Russian banks who are trying to translate tips to non-cash format. Sberbank (Sberfood and Sbertips) and Tinkoff (Cloudtips) have their services. The Russian Standard Bank develops a service for cashless payments in partnership with Visa.

For banks, tip processing is another product to attract the client to their basic services, the founder of the "Tipping simply" service is Evgeny Zagorukhiko. "We often go from banks when the managers get tired of the fact that bank services impose banks and their guests," he noted.

Online payment of Tipping is a promising segment that is growing primarily due to the refusal of Russians from cash, they explained the surveyed VC.RU market participants. In addition, the prohibition of Rospotrebnadzor on the inclusion of tips in the account spurred the institutions to look for new ways of personnel motivation.

However, there is no uniform assessment of this market:

• CloudPayments - Daughter "Tinkoff", which develops CloudTips, assesses the market for non-cash tips in 120 billion rubles a year, about 40 billion rubles come to Donates. On average, the online tip market is growing by 15% per year, the co-founder and CEO CloudPayments Dmitry Spiridonov said.
• Tipping service simply evaluates the volume of tips in the Horeca segment in
• According to 2tip, the tip market is about 130 billion rubles per year, of which the share of non-cash payments does not exceed 15% ().
• Visa does not have data on the volume of the market. MasterCard did not respond to the request.
• Representatives of YTIPS found it difficult to evaluate.
• In Sberbank, did not respond to the request. "Alfa Bank" at the beginning of the 2020 estimated the market of tip in

How do online tips services work and earn money

Usually services for online payment of tips are based on the QR code: the recipient creates the code in the personal account and shows it on the screen of the smartphone or prints (for example, on the PRECE), and the client scans the code and falls on the payment page.

So work, for example, "Tips simply", "no-monette", Cloudtips, 2tip, Ytips and MasterCard joint service and etiquette platform.

There are other ways to take tips:

• In the service from Visa, the waiter is gaining the amount of tip on the POS terminal, and the visitor applies the card to pay. The Commission for the output of money is about 5%, its size defines the "Russian Standard" as the Equiler Bank.
• Tipbox and Tips + lease terminals on which the guest introduces the amount and applies the card or smartphone with NFC. Tipbox Terminal Rental is from 2500 rubles per month, TIPS + - from 1000 rubles per month, also take the services to the Commission: the Tipbox is up to 8% from Tips, Tips + is from 10% to 20%.

Key indicators of non-cash tip service "Tips simply"

• Connected establishments: 3700. Among them are Osteria Mario and Papa John's restaurants, Beauty Salons Aldo Coppola and White Garden, Marriott and Hyatt hotels.
• Leave Tips: 135,000 users per month.
• Get tips: 22,000 per month.
• The average amount of tip: 200 rubles.
• Commission for the conclusion: 5% of the amount of Tippet.

CloudTips.

• Connected partners: 800. Among them - Lamoda, Gett, IgooODs, Ginza Project Restaurants, Barbershop Networks and France.
• Leave the tips: the service allows you to translate tips without registration, so there are no data by the number of senders.
• Get tips: 21,000 in January 2021.
• The average amount of Tipov: 163 rubles in January 2021.
• Commission for the conclusion: 5% for recipients - Tinkoff card holders, up to 10% for customers of other banks.

2tip.

• Connected institutions: 500. Among them - the Brasserie Lambic network, restaurants from Novikov Group, as well as Marriott hotels and X-Fit fitness centers. Governing partner 2Tip Roman Ageev noted that the owners of the institutions can connect several services, so customer lists can intersect.
• Leave Tips: 8000-9000 users per month ..
• Get tips: about 11,000 per month ..
• The average amount of tip: 300-400 rubles.
• Commission: 5% of the received tips.

Visa and Russian Standard

• Connected partners: 460, which use 1400 payment terminals.
• Leave tips: more than 8,000 users per month.
• Get tips: not shared data.
• The average amount of tip: 142 rubles.
• Commission: from 5% for the output to the card.

Ytips.

• Connected institutions: 200. Among them - Barbers Topgun, Beauty Salons Fen Dry Bar, Plants & Friends Hostel. According to the service representative, they tried to connect pharmacies, but "did not go."
• Leave tips: about 15,000 per month.
• Get tips: 700 per month.
• The average amount of tip: 140 rubles.
• Commission: 10% or 7% for networks More than three institutions. "Now we want to offer the guests of the institutions to take the commission on ourselves - when transferring the client will be able to see the commission and increase the tips on this amount, putting a tick," the representative of Ytips shared.

Representatives of "no-monette" and "SberFood" (Sberfood and Sbertips) did not respond to letters VC.RU. MasterCard did not provide a comment at the time of writing a note.

What prevents the development of non-cash tip services

The main stop factor market participants call stereotypes of management institutions and waiters.

For the owners, connecting an online tiling system is not a priority task, they often try to postpone the connection, said the representative of YTips.

The waiters confuse the Commission and worries the question whether taxes from the tips received through the online service will not have to pay taxes. As a result, they believe that they can earn more if they take tipful cash or take transfers to the card.

For growth, there is also a lack of interest to the institutions themselves in promoting non-cash tips among visitors, said Ageev from 2tip. One of these ways is the printing of the QR code on the preliminary check, but it is not as noticeable as advertising spaces in the institution itself, he explained.

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