It started with a tip. It became a payments ecosystem.
Together began as cashless QR tipping for Montenegro's hospitality — guests scan and tip in seconds, no app needed. It grew into a full ecosystem: peer-to-peer transfers, a marketplace, and a physical Together card, all moving money cleanly between euros and dollars.
Product-managed by cnctd's founder. The engineers who built it now build at cnctd.
Four releases, one growing ecosystem.
Cashless tips
The seed: a QR code on the table. Guests scan and tip in seconds — staff keep 99%, nobody hunts for an ATM.
Transfers
Wallets and peer-to-peer payments turned a tipping tool into an everyday money app — split a dinner, send a friend their half.
Marketplace
Local services and experiences, payable from the same balance — the wallet earned places to be spent.
Together card
A physical payment card closed the loop: money earned in the app spends anywhere, not just inside it.
A cash-dependent market — and scope that kept growing.
Montenegro's hospitality runs on cash: staff lose tips to it, guests rarely carry it, and no digital payment layer existed for the market. Together set out to fix tipping first — then user demand kept widening the scope mid-build: transfers, a marketplace, a card. The product had to grow from a single flow into an ecosystem without breaking the money underneath.
One balance, four ways to move it.
QR tip & pay
Guests scan and pay in seconds — no app install, no account. Staff see the tip land instantly.
Wallet & transfers
Peer-to-peer payments between users: split bills, send money, request it back — from the same balance the tips land in.
Marketplace
A storefront for local services paid straight from the wallet, turning stored value into daily spending.
Together card
A physical card on the same balance — earnings become spendable everywhere, and the app becomes a bank-adjacent daily tool.
Money that converts once — not twice.
The ecosystem runs across euros and dollars. The first Stripe integration silently double-converted currency on the way through — a slice shaved off every single transaction. In fintech that's not a rounding error; it's users watching their money shrink for no visible reason.
- Diagnosed the double conversionTraced where EUR became USD and back again inside the payment path, quantifying the loss per transaction.
- Compared processors head-to-headPayPal and KOMMERCE PAY were evaluated against Stripe on conversion behavior, fees, and regional support.
- Reworked Stripe to convert onceThe integration was rebuilt so every payment converts exactly once — the payment layer shipped intact at 98% release-ready.
Measurable value on every side of the transaction.
Staff
Instant, cashless tips that settle fast — keep 99% of earnings.
Guests & users
Tip without cash, pay friends, buy locally — one balance, no friction.
Venues
Cashless tipping without expensive terminals — and happier staff who stay.
The team behind Together now builds at cnctd.
cnctd's founder ran Together as its project manager — owning scope, releases, and the processor decisions above. The engineers who built the product are now cnctd's developers. This isn't a case study we admire from a distance; it's the team, reassembled, taking on the next system.
Client-owned product at together-pay.com — product-managed and engineered by the people who now work at cnctd.
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