A method, system, and non-transitory computer readable medium are disclosed for recommending merchants. The method includes storing a first tip amount and a second tip amount corresponding to a first merchant and a second merchant, respectively. Then, categorizing the first tip amount and the second tip amount into a lower weighted category or higher weighted category. The method also includes generating, using a weighted model that includes machine learning logic: a first score for the first merchant based on the first tip amount and the category of the first tip amount; and a second score for the second merchant based on the second tip amount and the category of the second tip amount. Tip amounts in the higher weighted category carry more weight in generating scores than those in the lower weighted category. Then, either the first merchant or the second merchant is recommended based on the scores.