Depending on the cruise line, you may be paid bi-weekly or monthly. You will need to take emergency cash (recommended at least U$300) if you get any travel disruptions when heading to the ship. The employer will not cover those costs with meals, transportation, or missed flights, IF was your fault.
In most cases, you will be paid in USD debit card provided by the company named “ocean pay.” If your position receives tips, that will be given to you directly by the guests in cash, and are additional to your regular pay.
Tips and gratuities may vary depending on the ship’s itinerary and guests’ demographics. For example, Americans are worldwide known to be good tippers. On the other hand, Australians do not have the culture to tip. This may affect your “take home” compensation. Be aware.