We're focused on being an ally to the industry. Our Tipstoday platform allows restaurants, salons & personal care establishments to eliminate the need for cash and run a more efficient business without extra overhead. But it does more than that, it gives the staff faster access to their earned wages and gratuities in a free and convenient way, with added benefits soon to launch.
XTM is among the first to bring Earned Wage Access, in form of instant gratuity payouts, to the Hospitality Industry. Pleased to announce that Azhar Kitchen the newest addition to the Gusto 54 family of restaurants, has chosen XTM's cashless Earned Gratuity Access solution for employee payouts. Tipstoday ("Today") mobile and card solution will be in place when Toronto FC returns to BMO Field this weekend.
XTM is among the first to bring Earned Wage Access, in form of instant gratuity payouts, to the Hospitality Industry. Pleased to announce that Azhar Kitchen the newest addition to the Gusto 54 family of restaurants, has chosen XTM's cashless Earned Gratuity Access solution for employee payouts. Tipstoday ("Today") mobile and card solution will be in place when Toronto FC returns to BMO Field this weekend.
Services
XTM is a Miami and Toronto-based fintech innovator in the neo-banking space, helping businesses and service workers in the hospitality and personal care space disseminate and access earned wages and gratuities. XTM's Today Solution, comprised of a free mobile app and a Visa or Mastercard debit card with free banking features, is used by thousands of restaurants, salons and staff across Canada and the United States.
XTM's platform is fully integrated with Visa Direct & Mastercard Send to facilitate the distribution of funds, faster, cheaper and more efficient than cheques and ACH. We can push money to more than 2 billion Mastercard & Visa Debit and prepaid cards globally. Visa Direct and Mastercard Send is a quick and effortless way to supply funds to the cards your customers already carry.
PADs are a convenient way to make payments automatically. Instead of waiting for customers to send a payment, a business is given permission to debit a customer's bank account when payments are due. We use this feature for programs on our platform so we don't need chase business owners for payments.
Issue and service white-labeled cards for individual and business accounts. With our card issuance feature, platforms can issue cards in combination with deposit and FBO accounts. Our cards can be used to perform account aggregation for transaction analysis and can be funded in a variety of ways, including ACH, RDC, Wire and Interchange payments.
Electronic forms of payment have virtually eliminated cash at restaurants, salons and spas. Employees used to take cash home at end of their shift. Now, employers are forced to add to their tips to their weekly pay cheque or go to the bank to get cash for tips. Using XTM's Hospitality solution for instant gratuity disbursement, businesses can easily pay their employees tips and wages at the end of each shift.
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