Terms & Conditions

“Platform” means the Slip a Tip website, application, and all associated services operated by Slip a Tip (Pty) Ltd.

“User” or “Service Worker” means any individual who registers on the Platform to receive tips.

“Tipper” or “Customer” means any individual who uses the Platform to send a tip to a User.

“Service Fee” means the 10% fee charged by Slip a Tip on each transaction for the use of the platform, payment gateway fees, and administration.

“Net Tip” means the gross tip amount minus the Service Fee.

“Customer Money Ledger” means the segregated account in which tip funds are held on behalf of Users, separate from Slip a Tip’s operating account.

“Stitch Wallet” means the virtual wallet balance maintained on the Slip a Tip platform, representing the User’s net earnings available for withdrawal via Stitch Payouts or OTT Voucher.

“Split Payment” means the automated division of each tip at the point of payment, whereby 90% is allocated to the User’s Subaccount and 10% is allocated to Slip a Tip as the Service Fee.

“Cooldown Period” means the 72-hour settlement hold applied to all tips before they become available for withdrawal.

“Chargeback” means a reversal of a transaction initiated by a Customer or their bank.

“3D Secure” means the authentication protocol used by Stitch requiring Customers to approve transactions via their banking app or OTP, triggering a liability shift to the card issuer for unauthorised transactions.

“EFT Withdrawal Fee” means the flat R2 fee charged per EFT withdrawal to cover bank transfer costs via Stitch Payouts.

“OTT Voucher Fee” means the 6% service fee charged on OTT Voucher withdrawals, covering OTT Mobile processing and WhatsApp delivery.

The User may receive tips immediately upon registration. However, the User acknowledges that no funds will be paid out to a bank account until the User has met the following criteria:

The User agrees that Slip a Tip acts as a temporary custodian of these funds pending verification. Funds are held in a segregated Customer Money Ledger and do not form part of Slip a Tip’s assets.

Slip a Tip charges a Service Fee of 10% (ten percent) on every tip transaction for the use of the platform, payment gateway fees, and administration.

This fee is deducted at the point of transaction. The User agrees to receive the “Net Tip” amount (Gross Tip minus Service Fee). The Service Fee covers payment gateway processing, platform maintenance, fraud prevention systems, FICA verification costs, and customer support.

Withdrawals are subject to the following conditions:

• The User must have completed the applicable FICA verification tier.
• All tips are subject to a 24–72 hour settlement hold before funds become available.
• A chargeback reserve of 5–10% may be withheld to cover potential payment reversals.
• Minimum withdrawal is R20 (twenty Rand).
• Withdrawal methods: EFT to a verified bank account (R2 flat fee, via Stitch Payouts, 1–2 business days) or OTT Voucher (6% fee, PIN delivered via WhatsApp, redeemable at any OTT outlet).
• Velocity limits apply: maximum 3 withdrawals per hour, maximum 3 per day, R2,000 per day withdrawal cap.
• A balance cap of R2,000 applies. Funds exceeding this cap will be held pending review.

By using the Platform, the User agrees to:

• Provide accurate, truthful, and complete information during registration and verification.
• Not use the Platform for any unlawful purpose, including money laundering, fraud, or tax evasion.
• Not share, transfer, or assign their QR code or account to any other person.
• Keep their account credentials secure and not disclose them to third parties.
• Comply with all applicable laws of the Republic of South Africa.
• Report any suspected fraud, unauthorized access, or security breach immediately.
• Not attempt to circumvent any security measures, verification requirements, or platform limits.

Slip a Tip reserves the right to suspend or terminate any User account, without prior notice, if:

• The User provides false, misleading, or fraudulent information.
• The User fails to complete required FICA verification within the prescribed timeframe.
• The User's account is flagged by our fraud detection or AML monitoring systems.
• The User breaches any provision of these Terms and Conditions.
• The User's account is used for money laundering, fraud, or any illegal activity.
• Required by law, regulation, court order, or directive from a regulatory authority.

Upon termination, the User’s access to the Platform will be revoked. Any remaining verified funds will be paid out within 30 business days, subject to applicable holds and compliance checks.

14.1. To protect against fraud and chargebacks, all tips received by the User are subject to a 72-hour Cooldown Period before they become “Available for Withdrawal.”

14.2. During the Cooldown Period, the tip amount is visible in the User’s Virtual Wallet but cannot be withdrawn. If a Customer initiates a dispute during this period, Slip a Tip and Stitch reserve the right to reverse the transaction immediately from the User’s balance.

14.3. High-risk transactions (as determined by our fraud detection systems) may be subject to an extended hold period of up to 7 days. The User will be notified if an extended hold is applied.

14.4. The minimum withdrawal amount is R100. This threshold is set to protect the platform from chargeback losses on small-value transactions.