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An app may set a default tip amount or show recommended percentages like your local coffee shop does. The screen may include a message about tips helping to keep the app in business or providing advances to more users.

Dave, another cash advance app, says on its website that part of the proceeds from tips help provide meals to families through a partnership with Feeding America. A Dave tipping screen shows an illustration of a little girl in pigtails. If the user tips, she’s shown smiling and surrounded by food. If the user sets the tip amount to $0, she’s replaced by an empty plate.

Representatives at Dave declined an interview request, but a spokesperson verified the tipping screen experience.

When Rouse first started using EarnIn in 2020, she says the app automatically set the tip to $11 for an advance up to $100. She thought the suggested amount was steep, but recalls that the app displayed a message about tips helping EarnIn help other consumers, so she tipped $8 to $11 per advance.

In a 2023 memo, the California DFPI cited strategies that apps use to make tips “almost as certain as required fees,” including preset tip amounts, user interface elements that make tipping hard to avoid and not advertising that tips are optional.

“There are laws against deceptive practices, but we certainly don’t have effective laws against using psychological manipulations to play on our behavioral instincts,” Saunders says.