Systems and methods for providing gratuities to merchants

An online payment platform, comprising:

• one or more memories having computer-readable instructions stored therein;
• and
• one or more processors configured to execute the computer-readable instructions to:
• receive, from a first software application associated with the online payment platform and executing on a first mobile device of a customer, a first request to enter into a transaction with a service provider, the transaction having a corresponding transaction amount, each of the customer and the service provider having an account including corresponding identifying information stored in a database associated with the online payment platform, the online payment platform enabling customers and merchants to engage in transactions without an exchange of financial information between the customers and the merchants;
• receive, from a second software application associated with the online payment platform and executing on a second mobile device of the service provider, a second request to process a cardless payment for the transaction using payment information of the customer, wherein the second request serves as an indication that the transaction between the service provider and the customer is complete, wherein each of the first mobile device and the second mobile device send a respective request to a server associated with the online payment platform to download and install a corresponding one of the first software application and the second software application, and wherein the first mobile device and the second mobile device are in geographical proximity of each other at a time of receiving the first request;
• determine, for the transaction, a tipping process, the tipping process being one of an automatic tipping process for the transaction whereby a first tip amount is automatically determined by the server to be added to the transaction amount, or a manual tipping process whereby a second tip amount to be added to the transaction amount is provided via the first software application;
• after receiving the second request to process the cardless payment, apply one of the first tip amount or the second tip amount to the transaction amount based on the determined tipping process;
• delay, after the transaction between the service provider and the customer is completed, processing of the cardless payment for the transaction until the first tip amount is applied based on the automatic tipping process, or until one of an expiration of a threshold timing or the second tip amount is received via the first software application based on the manual tipping process;
• process the cardless payment for the transaction based at least on the transaction amount and one of the first tip amount or the second tip amount using the payment information of the customer;
• and
• communicate, to each of the first software application and the second software application, an electronic message confirming the transaction.

One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a server associated with an online payment platform, cause the server to:

• receive, from a first software application associated with the online payment platform and executing on a first mobile device of a customer, a first request to enter into a transaction with a service provider, the transaction having a corresponding transaction amount, each of the customer and the service provider having an account including corresponding identifying information stored in a database associated with the online payment platform, the online payment platform enabling customers and merchants to engage in transactions without an exchange of financial information between the customers and the merchants;
• receive, from a second software application associated with the online payment platform and executing on a second mobile device of the service provider, a second request to process a cardless payment for the transaction using payment information of the customer, wherein the second request serves as an indication that the transaction between the service provider and the customer is complete, wherein each of the first mobile device and the second mobile device send a respective request to the server to download and install a corresponding one of the first software application and the second software application, and wherein the first mobile device and the second mobile device are in geographical proximity of each other at a time of receiving the first request;
• determine, for the transaction, a tipping process, the tipping process being one of an automatic tipping process for the transaction whereby a first tip amount is automatically determined by the server to be added to the transaction amount, or a manual tipping process whereby a second tip amount to be added to the transaction amount is provided via the first software application;
• after receiving the second request to process the cardless payment, apply one of the first tip amount or the second tip amount to the transaction amount based on the determined tipping process;
• delay, after the transaction between the service provider and the customer is completed, processing of the cardless payment for the transaction until the first tip amount is applied based on the automatic tipping process, or until one of an expiration of a threshold timing or the second tip amount is received via the first software application based on the manual tipping process;
• process the cardless payment for the transaction based at least on the transaction amount and one of the first tip amount or the second tip amount using the payment information of the customer;
• and
• communicate, to each of the first software application and the second software application, an electronic message confirming the transaction.