instipClaim your tag

For people who work for tips

Make every day an earned day.

A tip tag that is yours, a record of every tip the way the rules now ask for it, and the money on your own debit card, typically within 30 minutes, any hour of any day.

Claim your tagSee what a guest sees

Working name. Private preview. Not live.

A $10.00 tip landing on Maria's Today screen. Today's total goes from $25.00 to $35.00, all of it available to cash out. A row is written: 9:41 PM, occupation code 304, Apple Pay, $10.00, voluntary, in dollars, qualified.

What Maria sees when a guest tips $10. Mock data.

What you get

A tag, a record and the money. In the order you meet them.

01

The tag

Yours, not the venue’s.

Your tag is yours. It goes where you go. A handle, a QR code and an NFC tag. A guest taps or scans it and lands on a web page, with no app to download.

  • Handle/t/maria
  • Reached bya scan or a tap
  • The guest needsa phone, no app
  • Belongs toyou

02

The record

What the rules now ask for, kept as it happens.

Every tip goes on your record: the amount, the date, that it was voluntary, that it was paid in dollars, and your occupation code. From it come a monthly report for your employer and a year-end statement.

  • The rules ask forIns Tip keeps
  • The amountto the cent
  • The dateand the time
  • That it was voluntarythe guest could give nothing
  • That it was in dollarshow it was paid
  • Your occupation codesuch as 304

03

The money

Fast first. A card later.

Cash out to your own debit card. Typically within 30 minutes, any hour of any day.

  • Day one

    Your own debit card. The one you already have.

  • Planned

    The Ins Tip card. Planned. Not live. This is a preview. The card will always be your choice. Your tips reach you with or without it.

Ins Tip is a technology company, not a bank. Payments and card services are provided by licensed partners.

What changed in 2026

From tax year 2026, a tip has to be reported on its own.

Four facts, each linked to the page it comes from. Ins Tip is not a tax adviser.

  1. There is a federal deduction for tips.

    Up to $25,000 of qualified tips can be deducted from federal taxable income for tax years 2025 to 2028. Social Security and Medicare taxes still apply. State rules differ.

    Limits apply: listed occupations, income phase-out, and tips must be reported.

    Over 7.5 million filers claimed it for 2025. The average was above $7,000.

    SourcesIRS: the deduction for qualified tipsTreasury: press release, 2 June 2026

  2. The rules are final, and they come with a list.

    Treasury’s final rules, T.D. 10044, were published on 13 April 2026 and took effect on 12 June 2026. They list 71 occupations in 8 categories, each with a three-digit code. Housekeeping is 304.

    SourcesTreasury: final rules, T.D. 10044IRS: list of tipped occupations

  3. A tip has to be a choice, and in dollars.

    To count, a tip must be voluntary: the guest could have given nothing. And it must be paid in dollars: cash, a card, or an app that pays in dollars. Digital assets do not count.

    SourceTreasury: final rules, T.D. 10044

  4. It has to be reported, with a code.

    From tax year 2026 a tip counts toward the deduction only when it is reported separately on a tax form.

    If you are an employee and receive $20 or more in tips in a month, you must report them to your employer by the 10th of the next month.

    Form 1099-K now has a box for cash tips (1c) and a box for occupation codes (1d).

    SourcesTreasury: final rules, T.D. 10044IRS: Publication 531IRS: instructions for Form 1099-K

Ins Tip gives you a record of every tip to help you report.

What it costs

Free to receive. The whole tip is yours.

  1. $0.50

    Service fee, paid by the guest

    Your guest sees the service fee before they pay.

  2. $10.50

    The guest pays

    It is added on top.

  3. $10.00

    Maria gets

    Nothing comes out of your tip.

A $10.00 tip · exampleService fee $0.50. Not a tip. Maria gets all of your $10.00.

In this preview the service fee is a flat $0.50. The level is not decided.

Ins Tip is a technology company, not a bank. Payments and card services are provided by licensed partners.

Questions

What people ask first.

Short answers. The longer ones are on the pages for guests, venues and how it works.

Whose tag is it?
Your tag is yours. It goes where you go. It is tied to you, not to a venue. The venue is never in the flow of funds.
Can a guest give nothing?
Always. No amount is picked for them, “Not now” is always on the page, and the custom field takes any amount. A tip the guest could not reduce to zero is not a qualified tip.
Does anything come out of my tip?
No. Free to receive. The whole tip is yours. Your guest sees the service fee before they pay. It is added on top. Nothing comes out of your tip.
How fast is the money?
Cash out to your own debit card. Typically within 30 minutes, any hour of any day.
Do I still report tips to my employer?
Yes. If you are an employee and receive $20 or more in tips in a month, you must report them to your employer by the 10th of the next month. Your report is ready in the app. You hand it in.
Are tips taxed?
Up to $25,000 of qualified tips can be deducted from federal taxable income for tax years 2025 to 2028. Social Security and Medicare taxes still apply. State rules differ. Limits apply: listed occupations, income phase-out, and tips must be reported. Ins Tip is not a tax adviser.
Is there an Ins Tip card?
The Ins Tip card is planned. It is not live. This is a preview. The card will always be your choice. Your tips reach you with or without it.
What does a guest need?
A phone. There is no app for them to download. They pay with Apple Pay, Google Pay or a card, on a web page.

Ins Tip is a technology company, not a bank. Payments and card services are provided by licensed partners.

Your tag

Claim your tag.

Your tag is yours. It goes where you go.

Choose the handle a guest will see. Then pick what you do from the IRS list and see your code. That code is what goes on the record beside every tip.

Working name. Private preview. Not live.

3 to 20 characters: letters, numbers and hyphens.

Your code···

A mock form. Nothing is sent and nothing is stored.