Apparatus and methods are disclosed to improve the administration of tip monitoring, collection, and distribution, and related reporting needs (such as for U.S. tax reporting). POS systems and employee prepaid debit cards can be used to make the distribution process "cash-less." As indicated, the inventions disclosed herein can be used in a broad range of applications and provide many benefits. One substantial benefit is in helping companies and their employees/staff comply with U.S. income tax laws regarding "tip" income. Prior to 1988, employees who earned tips already were required to report their tips on their federal tax returns, but there was no corresponding requirement imposed upon their employers.