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Pencil Banner puts a new spin on mobile payments with facial recognition and reviews

Caitlin McGarry | Nov. 6, 2014
Forgot your cash at home? offers a new way to tip the people who make your life easier.

"We're not out to rate people publicly," Baldwin added. "If it's less than a 3-star rating, it's automatically a private comment. If it's a 4 or 5-star, it can be public or private. We do allow people to search for a business and see all the service professionals associated with it."

The app wouldn't work in a restaurant environment or any other situation where a tipping method already exists. This is for hair stylists, massage therapists, valets, babysitters--people who deserve tips but don't process credit card payments. You pay a convenience fee for your forgetfulness: 5 percent of the tip plus 50 cents, to cover the transaction fee. Tip recipients don't have to pay anything to collect the tip--which is as it should be. Whether the app gains traction or not depends on the workers like the Vegas valets who rely on tips to make a living.


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