One solution would be for Gittip to implement something like an account balance. Say I charge my Gittip Wallet with $25 seed money. My CC gets charged $25 + $.3

One solution would be for Gittip to implement something like an account balance. Say I charge my Gittip Wallet with $25 seed money. My CC gets charged $25 + $.30 + 3.9% ($26.07). I set up $1.75/week of tips to various people. My Gittip Wallet gets dinged $1.75 per week for 14 weeks ($24.50). On week 15 when it comes time to give my $1.75, my Gittip Wallet is too low. So it gets another $25 bump (my CC gets hit with another $26.07) and we're good to go for a bit. Wash. Rinse. Repeat. Make the auto-bump amount a user selection in case someone is gifting $30 a week, they could auto-bump at say $100 a pop. Edit: Also, if I understand correctly, if I am getting tips, that would also go into the same wallet. So in theory the tips I receive would extend the amount of time between auto-bumps. Or not at all if I'm getting more than I am giving.