Ne-Yo -- I'm Too Rich to Dine and Ditch

Ne-Yo has way too much money to stiff some restaurant on a bill ... despite accusations he bailed on a $800 tab in NYC last month ... the singer tells TMZ.

Ne-Yo was out at LAX last night when we asked about allegations he racked up an $800 bill with his friends at a West Village restaurant called Negril ... then skipped on the bill ... and tip.

Ne-Yo tells us, "Anybody that knows me knows that I don't have to dine and ditch ... $800, seriously?"