What's the difference between the Tip Calculator and Tip Fraud Alert?

While similar, the Tip Calculator and the Tip Fraud Alert system are two separate settings that you can control in your "Card Settings" area of the dashboard. 

The Tip Calculator is a text notification system that helps you calculate tip according to your tip preferences on your dashboard.To enable the Tip Calculator, just move the slider from it's starting position to a percentage between 10% and 25%. To turn it off, move the slider back to 0%. 

Whenever you transact at a non-fast food business that accepts tips, you will receive an SMS message within 30 seconds of paying with your Think Local Card, telling you what your tip amount should be for that transaction.

For example, you set your Tip Calculator to 15% tip and use your Think Local Card to pay for a sit-down meal at a participating restaurant business. Moments after you give your server your Think Local Card to pay for the meal, you will receive a text message to your mobile number with a message:



The Tip Fraud Alert is a setting that you can turn on or off at any time. The Tip Fraud Alert protects you from any person who might alter your tip amount after your transaction is complete. When the merchant submits the final sale (generally 2 business days later), if the total plus tip submitted by the merchant exceeds your usual tip percentage by more than $0.99, you will receive an email notification alerting you that your tip amount was higher than expected. If the tip was correct, you don't have to do anything. 

To demonstrate how the Tip Fraud Alert works, let's use the Tip Calculator example from before. After you received your SMS message telling you what a 15% tip would be on your transaction, you decide to use that amount ($5.64) as your tip.

A few days later, you receive a notification from the Tip Fraud Alert system, stating that your tip at Sally's Cafe was $8.00, which was higher than a 15% tip plus $0.99. This message lets you know that someone may have altered your tip amount after you left the restaurant.

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