Send instant tip payouts to your team without parking cash in a payout balance first. For qualified enterprise clients, there’s no balance to fund in advance and no float sitting idle—so your working capital stays where it belongs: in your business.
You may have heard that Kickfin requires pre-funding. Here’s the truth: we offer zero pre-funding to enterprise clients who qualify. The question was never whether we do it—it’s who we do it for.
Keep your capital working.
With most instant-payout models, you have to load up a balance before a single tip goes out—and guess high so nothing bounces on a busy weekend. That’s your money, sitting idle. Zero pre-funding removes that requirement entirely.
No idle balance.
Payouts go out instantly; we settle up with you on a set schedule. Your cash isn’t tied up in advance.
Cleaner cash flow.
Predictable settlement, full visibility, and no scramble to top up a payout account before a busy weekend.
Instant for your team, effortless for your finance org.
Employees are paid the second their shift ends — you keep control of your capital.
Instant, and 100%.
Your team receives everything they earned the moment their shift ends — not the next business day, and not in installments.
A benefit you earn.
Zero pre-funding runs on trust. Because we settle via same-day ACH after your payouts have already gone out, we're taking on real settlement risk on your behalf. We don't extend that to just anyone — and honestly, you wouldn't want a payments partner that did. Zero pre-funding is reserved for enterprise clients who've shown they can support it, and that selectivity is exactly what keeps the program stable, sustainable, and free of the hidden costs that come when a provider takes on risk it can't see.
Zero pre-funding is a benefit we extend to enterprise clients, and we assess each one individually. There's no fixed scorecard — but a few things strengthen your case:
ACH
A healthy ACH track record — positive transaction history and good standing with Kickfin.
Scale
Enterprise scale — you're at the size where this makes sense.
Credit
A clean credit review — a credit check is part of how we assess zero pre-funding.
Our risk team reviews each enterprise account on its own merits. The fastest way to find out where you stand is a conversation with our team.
Built for operations at scale.
Same-day ACH net settlement
Funds are pulled only after payouts go out, so nothing sits in a float.
A complete, auditable ledger
Of every payout, by location, shift, and employee.
Dedicated support
From a US-based team that keeps restaurant hours.
See if your business qualifies.
Tell us about your operation, and we'll show you what zero pre-funding looks like for your team — and whether you're already a fit.