Photographers are not supposed to accept tips. However, they are allowed to accept up to two gifts per year if a guest is persistent, which may be monetary, and they have to report it.
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But there are also many Disney service people that do not require tipping. In general, cast members working in the theme parks, with the exceptions of dining and personal care staff mentioned above, doing their regular job in the parks are not allowed to accept tips/bribes/grift/etc.
Tips can be left in cash, on a credit card, or on a gift card. You may use your MagicBand to charge the tip as well. The 18% gratuity calculation is normally included on the bottom of the receipt for ease of determining the appropriate tip based on the service.
Guest Relations cast members have one of the most difficult jobs in Walt Disney World, because any guest who is unhappy from a situation that took place anywhere in the parks is going to take out their feelings on Guest Relations.
Housekeeping/Maid Service at Your Hotel: It's polite to leave about a dollar per day, per person in your party, as a tip for the cast members that make up your room. If you're a family of five, this means a five dollar tip for your housekeeper each day.