Are there any protections for an employer who has a server that received a very large tip? For example, what if the customer says they never meant to tip that large amount?

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What protection does the employer need? I’m confused by your question. Does the customer want the tip back?

They aren't disputing it, but in case they do need to find out how the employer can be protected since it will have already paid out the tip it's employee

This isn’t an L&E question. When a person disputes a charge with their credit card company the employer in this case needs to show evidence that the charge was correct. If they can show that the credit card company won’t reverse the charge. This is just cost of business.

Most states won’t allow the employer to recoup the loss from the employee. The employer should have some policy about ethics / code of conduct if there is concern about employees changing tip amounts.

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