Tips for waiter in Russia can now be transferred by bank card

2019: Start of service of cashless payment of a tip

On July 31, 2019 JSC Russky Standart Bank reported that together with VISA started service of cashless payment of a tip at Daily Bread restaurant.

This service uses technology of card transfers and helps to improve consumer experience of Russians in the field of public catering due to expansion of application of electronic payments.

The waiter in Russia can translate a tip the bank card now

Service implements additional opportunities of use of card transfers which Visa develops worldwide. The technology which is their cornerstone allows to perform more and more different business scenarios from which the most widespread examples is money transfer from the card to the card. The feature of work of the presented solution is that the amount of a tip intended to write-off is included in joint account at restaurant or cafe and goes directly to the waiter.

Service works on the basis of a language translation technology of money from the card for the card. For payment of a tip the client does not need to install any application or to pay the commission. The waiter suggests to enter the amount of gratitude for service then the guest pays with one contact of the card at the same time both the order, and a tip. The visitor of restaurant enters the amount of a tip after at payment on the terminal the order amount appears.

Remuneration is transferred to the personal e-wallet of the waiter and passes as the deed of gift that under the law is not taxed. This purse can be created in a personal account of Russian Standard bank. Then they can be transfered to the Visa card of any bank. However, Russian Standard takes for it the commission — about 5%. The maximum amount of a tip on service will be limited by 20% of the amount of the account.

The Head of Department of acquiring Vtbaleksey Kirichek says that such transactions it is much safer and more convenient for clients. 

The director of digital marketing of Daily Bread restaurant Alexey Panov told that about 70% of clients pay off with the card and for a tip they just have no cash.

Clients often get into difficulties when they cannot thank the waiter for excellent service — Panov says.

Declared determination to start similar service in several other large banks, including VTB. Service is going to start in all restaurants of Daily Bread network, new partners not only from restaurant business, but also beauty shops or hotels will be attracted.^[1]

According to data of Visa which were published at the end of July, 2019, expenses of visitors of cafe and restaurants in Russia for the last three years grew almost by 40%.

With universal distribution of cashless payments more and more consumers refuse cash and feel discomfort in those rare situations when to pay service with the card it is impossible to leave, for example, a tip in cafe or restaurant. We in Visa work with our partners to solve similar problems and to create opportunities for use of bank cards. Our service of cashless payment of a tip which we provided together with Bank Russian Standard, a good example of such interaction,

In the nearest future service will be available at all restaurants of Daily Bread network. And also shortly we will connect other partners not only from restaurant business, but also beauty shops, hotels which already prepare for connection of this service. Such service will become relevant for all segments where clients want to thank in addition personnel for good and high-quality work, easily, one contact and without additional excess transactions, without changing the usual paradigm of payment, tells Inna Yemelyanova, the director of the department of acquiring of Bank Russian Standard

Every day we create the pleasant atmosphere in cafe for thousands of guests that they could enjoy healthy food and perfectly spend time. Now it is possible not to think of cash in a pocket and know that it is always possible to thank the waiter a non-cash tip for excellent service. And quickly, simply and without downloading of additional applications, noted Alexey Panov

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