Restaurants Serve Up Instant Payments to Keep Staff and Cash Flow Steady

The pressures are significant. According to the National Restaurant Association, the industry remains down more than 220,000 full-service restaurant jobs compared to pre-pandemic employment levels. More than three-quarters of operators say recruiting and retention are among their biggest hurdles, even as guests demand faster service and consistent quality. These challenges converge on one clear solution: empowering staff and stabilizing operations with instant pay.

Earned wage access (EWA) and same-day tips give workers a powerful incentive to stay. Research shows that offering on-demand pay can improve employee retention in hospitality by as much as 36%. In a sector where annual turnover exceeds 130%, that advantage translates into stronger teams and smoother service. Digital tipping has also shifted from novelty to necessity, with touchscreen ordering systems lifting gratuities by up to 30%. Restaurants benefit from reduced administrative strain while staff gain immediate financial relief—a win-win in an industry under pressure.

The upside extends to the back office. Instant supplier payments allow restaurants to hold on to working capital longer while reducing the risk of late fees and supplier disputes. Operators using instant rails report healthier balance sheets and greater satisfaction with their financial management. The result is greater stability across day-to-day operations, from meeting payroll to managing supplier relationships.

About “Tips on Tap: Instant Payments in the Restaurant Industry”

The “Money Mobility Tracker^®,” a collaboration with Ingo Payments, examines the rising role of instant payments in the restaurant industry. This edition explores how real-time wage access, digital tipping and supplier settlements are helping operators retain workers, meet customer expectations and strengthen financial stability in a demanding business environment.