The formal payout framework for TipC platform participants — covering schedules, verification, fees, banking detail obligations, and compliance hold procedures.
This Worker Payout Policy ("Payout Policy") governs the disbursement of collected tip balances to workers registered on the TipC digital tipping platform, operated by ChAinge Logic (Pty) Ltd ("ChAinge Logic", "the Platform").
By registering as a TipC worker and accepting the TipC Worker Agreement, you agree to be bound by this Payout Policy in its entirety. This Policy forms part of the broader terms and conditions governing your participation on the TipC platform.
Important: Payouts are made against verified, settled transaction balances only. A tip appearing as "received" in your TipC dashboard does not constitute settled funds until Ozow's settlement cycle has completed and the balance has been confirmed in our reconciliation system. Uncleared funds are not eligible for payout.
ChAinge Logic operates a standard weekly payout cycle for all eligible TipC workers. Under the standard schedule:
| Payout Period | Processing Date | Expected Receipt |
|---|---|---|
| Mon – Sun (weekly cycle) | Following Wednesday | Wednesday – Friday (bank dependent) |
| Public holiday weeks | Next available business day | Delayed by public holiday(s) |
Each worker receives one (1) standard scheduled payout per week at no additional charge. Workers may optionally request up to two (2) additional out-of-cycle payouts per calendar week ("Additional Payout Requests"). The following conditions apply without exception:
Fee disclosure — R6.00 per additional request: The R6.00 convenience fee applies to each of the maximum 2 Additional Payout Requests available per calendar week. This fee is separate from any payment provider or platform service fees. Workers are advised to use the standard weekly payout cycle where operationally possible to avoid this charge. The R6.00 fee is fixed and is not subject to negotiation or waiver.
All payouts — both standard and extra — are subject to verification. Payouts will not be processed until the following verification steps are completed and approved:
A bank transfer may fail due to reasons including incorrect account details, a closed account, system errors, or bank-side rejections. The following procedures apply:
Where a transfer fails, ChAinge Logic will:
Workers must submit a request to update their banking details via the TipC support channel. Banking detail changes require:
Payouts are not processed during the banking detail review window.
Where a worker fails to respond to failed transfer notifications or fails to supply correct banking details within 60 days, the balance will be placed in a suspended state. Workers may reclaim suspended balances by contacting support and completing fresh verification within 12 months of the original transfer failure. After 12 months of inactivity on a suspended balance, the balance may be forfeited in accordance with applicable law.
Workers are solely responsible for ensuring that their registered bank account details are accurate, current, and belong to them personally. ChAinge Logic is not liable for any financial loss resulting from:
Non-recoverable misdirected transfers: Once a bank transfer is initiated to the account details on record and confirmed as processed by the banking system, ChAinge Logic cannot guarantee recovery of funds transferred to an incorrect account provided by the worker. Workers are strongly advised to verify banking details at the point of registration and after any account changes.
ChAinge Logic may, at its discretion, assist in initiating a recall request with the receiving bank on a best-efforts basis, but makes no warranty as to the outcome of such a recall.
ChAinge Logic operates a risk-based compliance framework for all payout activity. A payout may be delayed or placed on a compliance hold in the following circumstances:
Automated systems monitor transaction patterns across the TipC platform. Where unusual patterns are detected — including atypically high tip volumes, transactions from a single source IP, circular payment activity, or other anomalies — the affected payout will be placed on hold pending a manual review by our compliance team.
Workers placed on a fraud hold will be notified by email and advised of the review timeline. Payouts confirmed as legitimate following review will be disbursed at the next available payout run.
Where an active dispute or chargeback has been filed in connection with transactions on a worker's account, payouts may be partially or fully withheld pending the outcome of the dispute investigation. The withheld amount will correspond to the value of transactions under dispute, plus a reasonable reserve to cover potential chargeback fees. Unaffected balance portions remain payable on the standard schedule.
Payouts cannot be processed to accounts that have not completed full identity and FICA verification. Where verification documents are outstanding, expired, or flagged as inconsistent, payouts will be suspended until remediation is complete. Workers are notified via the contact details on file and given a defined window to resolve the outstanding verification.
ChAinge Logic may be legally required to freeze or withhold funds in response to a court order, regulatory directive, law enforcement request, or FICA obligation. In such cases, ChAinge Logic will act in accordance with the applicable legal instrument and cannot be held liable for consequential losses to the worker.
ChAinge Logic reserves the right to suspend or permanently terminate a worker's TipC account, and to withhold associated balances pending investigation, in the following circumstances:
Workers whose accounts are suspended for suspected fraud will not receive payouts during the suspension period. Where fraud is confirmed, ChAinge Logic reserves the right to forfeit any balances accrued through fraudulent activity and to pursue recovery of costs incurred.
All payout amounts are calculated exclusively against verified, paid sessions that have been confirmed through end-to-end reconciliation. A session is considered verified and payable only when:
Sessions that are in a pending, disputed, reversed, or unverified state are excluded from payout calculations until they are resolved. Workers may view their reconciled balance through the TipC worker portal.
ChAinge Logic operates transparently on fee matters. The following fees may be applicable to worker payouts:
| Fee Type | Amount | When Applied |
|---|---|---|
| Standard payout processing | No charge | Weekly standard payout cycle |
| Additional Payout Request fee | R6.00 per request | Up to 2 additional out-of-cycle requests per calendar week |
| Platform service fee | As disclosed in Worker Agreement | Deducted from settled balance before payout |
| Payment provider fee (Ozow) | As per Ozow's current fee schedule | Applied at transaction level; deducted before settlement |
| Failed transfer retry | No charge (first retry) | Automatic retry on next payout cycle |
| Chargeback processing fee | As incurred from Ozow / card scheme | Deducted from worker balance where chargeback confirmed |
Fee changes: ChAinge Logic may update its fee schedule from time to time. Material fee changes will be communicated to registered workers via email with no less than 14 days' notice before taking effect. Continued participation in the TipC platform following notice of a fee change constitutes acceptance of the revised fees.