All I’d need is the option to voluntarily overpay a payment request, similar to how credit card terminals will beg you for a 10%, 15% or 20% tip

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BTCpayServer' POS APP will let you do that. You have to configure it in the back end.

But in BTCPay Server you can’t find out how many tips you got. As I said above, the fact that you don’t know that shows you don’t use. Sorry to be harsh