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Best Features of Zuto

Tipping Payouts Management

End-to-End system Tip Disbursement Service ensures timely payments to employees.


Real-Time Payout Tracking

Seamless Credit Solutions for tip earners

Offer a comprehensive mobile credit application based specifically on tips earned in real time.

Seamless, smart tip based credit solutions 

Smart Savings for a Stress-Free Year-End

Effortless yearly savings 


Savings feature that empowers tip-earniers to automatically set aside a small portion of their monthly tips toward a year-end payout, effectively creating a 13th cheque. 

TipHub

"Turning Tips Into Trust."

TipHub fintech solution, a product offered and underwritten by Zuto Finance, is a financial inclusion solution commited to advancing financial inclusion through innovative tipping and credit solutions. We streamline tip payouts for businesses and provide fair, real-time earnings-based credit access for employee ,empowering a more stable and financially inclusive workforce.

Smart Saver

Zuto Finance’s savings feature empowers tip-earning users to automatically set aside a small portion of their monthly tips toward a year-end payout, effectively creating a 13th cheque. This thoughtful approach helps users prepare for festive season expenses without financial strain. By promoting consistent saving habits, the feature enhances users’ financial resilience and fosters greater inclusion in the formal financial ecosystem.

Bulk Payouts with Zuto Finance

Simplify your disbursements with our secure, high-volume payout solution. Whether you're paying employees, contractors, suppliers, or incentive recipients, our system enables fast, automated payments to multiple recipients ; all in one go. With seamless integration, real-time tracking, and support for all major South African banks, Zuto Finance ensures your bulk payments are efficient, reliable, and fully compliant.

Salary Payouts for the Informal sector

Bring structure and dignity to informal employment with Zuto Finance. Our salary payout solution enables anyone, such as households, small businesses, or individual employers to formally pay their employees and other informal workers through a secure, automated system.

With each payment, Zuto Finance:

  • Facilitate and Generates official payslips

  • Creates a formal income record for the employee

This empowers workers with a credible financial profile, enhancing their credibility and offer them a pathway to financial inclusion.

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What Our Customers are Saying About Us

Tokelo

Owner: Legends barber - newMarket

"Since we started using the Zuto Finance app at our barbershop, I’ve seen a real shift in how my barbers approach their work. They now understand that their ratings and access to benefits are tied to professionalism and consistency—and it’s motivating them to show up, deliver great service, and maintain a positive attitude. The manager reviews hold everyone accountable in a fair way, and it's created a healthier, more focused team. Plus, knowing they can access financial support through the app gives them peace of mind. It’s a win-win for the shop and the staff."

Book Your Consultation Today

Ready to Simplify Tip Management and Empower Your Team?


Join the growing network of service-based businesses transforming the way tips are managed. Zuto Finance offers a fully integrated platform that takes the hassle out of tip payouts, while boosting financial inclusion for your team.


✔️ We handle tip disbursements directly
✔️ Improve staff motivation and performance
✔️ Enjoy short-term cash flow flexibility
✔️ Zero-interest tip fund retention for 30 days
✔️ Access real-time insights and reporting


Let’s talk about how we can tailor the solution for your store.

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