ATMs are widespread in most midsize towns. Credit cards are widely accepted in larger towns. US dollars are widely accepted; keep córdobas for small purchases.
Tipping is not widespread in Nicaragua except with guides and at restaurants.
Guides Tipping guides is recommended as this often makes up the lion's share of their salary.
Restaurants A tip of around 10% is expected for table service. Some high-end restaurants automatically add this to the bill. Small and/or rural eateries may not include the tip, so leave behind a few coins.