Tipalti

What is Tipalti

Tipalti is an accounts-payable automation platform designed for finance teams that process supplier payments at scale. The product centralizes supplier onboarding, invoice capture, approval workflows, multi-currency and multi-rail payments, tax compliance, and bank reconciliation into a single system to reduce manual effort and payment risk. Tipalti is aimed at mid-market and enterprise organizations with global supplier networks, high transaction volumes, or complex compliance needs.

Tipalti combines a cloud-based AP engine with payment rails and tax services so finance teams can move from spreadsheets, disparate bank portals, and manual approvals to a structured, auditable process. The platform supports electronic payment methods including ACH, wire, SEPA, Global ACH, virtual card, and local payout options across 190+ countries depending on the configuration and region. In addition to payments, Tipalti includes supplier management, automated 1099/1042-S reporting in the U.S., VAT support for EU, and currency hedging options in some deployments.

The vendor positions Tipalti as a single-pane solution for invoice-to-pay and supplier-to-pay workflows. The product integrates with ERPs and general ledger systems so payment status and accounting entries flow back into core financial systems. Organizations typically adopt Tipalti to reduce invoice processing time, lower payment error rates, centralize compliance tasks, and shorten time to reconcile bank and ledger balances.

Tipalti features

What does Tipalti do?

Tipalti automates core accounts payable and supplier payment functions. Key capabilities include supplier onboarding with KYC and tax form collection, automated invoice capture and OCR, configurable approval workflows, payment scheduling and batching, payment execution across multiple rails and currencies, and automated reconciliation against GL accounts.

The platform provides payment orchestration: choose the best payment method per supplier, route payments through bank partners or card networks, and handle foreign exchange and local payment requirements. Tipalti also handles tax compliance processes: collecting W-9/W-8 forms, classifying payees for 1099/1042-S reporting in the U.S., and supporting VAT/GST reporting needs where applicable.

Operational visibility features include dashboards for payment status, exception queues for invoice or supplier issues, audit trails of approvals and payment authorizations, role-based access controls, and reporting for CFOs and controllers. The system also offers supplier self-service portals so suppliers can update their bank details, currency preferences, and tax forms directly.

Tipalti pricing

Tipalti offers tiered and usage-based pricing tailored to volume and feature set. Typical commercial structures include a base platform fee plus per-transaction or per-supplier fees; larger deployments move to an enterprise agreement with volume discounts and advanced services. Many customers contract annual subscriptions with implementation and onboarding fees included in the initial statement of work.

• Starter: $499/month (indicative) — basic AP automation, supplier portal, and standard payment rails for smaller teams or lower monthly payment volume
• Professional: $1,499/month (indicative) — adds multi-currency processing, advanced approval workflows, expanded payment rails and more integrations
• Enterprise: custom pricing — includes high-volume discounts, dedicated account management, enterprise security features, custom integrations, and advanced compliance services

Check Tipalti's current pricing plans at Tipalti's pricing page (https://www.tipalti.com/pricing) for the latest rates and enterprise options. Implementation, onboarding, foreign-exchange margins, and payment-rail fees typically affect total cost and are often itemized in quotes for each customer.

How much is Tipalti per month

Tipalti starts with indicative pricing around $499/month for entry-level deployments and scales upward based on transaction volume, number of suppliers, and required payment rails. Monthly cost depends on whether you choose to include add-on services such as FX management, tax filing services, and advanced reconciliation modules.

How much is Tipalti per year

Tipalti can cost several thousand dollars per year for small to mid-market customers and moves into five-figure annual contracts for enterprise customers when factoring in implementation and per-transaction fees. Annual billing is common and often paired with a professional services agreement for onboarding and integration.

How much is Tipalti in general

Tipalti pricing ranges from an entry-level monthly fee (around $499/month indicative) up to custom enterprise pricing in the thousands per month or more. The overall cost is driven by payment volume, international payments, value-added services (tax filing, FX), and integration complexity. For precise, up-to-date figures, review Tipalti's published information or request a customized quote from Tipalti's sales team at Tipalti's pricing page (https://www.tipalti.com/pricing).

What is Tipalti used for

Tipalti is used to automate accounts payable workflows and to manage global supplier payments with compliance and auditability. Typical use cases include centralized payment execution for companies that pay many suppliers internationally, automation of invoice capture and routing to reduce manual touchpoints, and consolidating payment methods to optimize costs and supplier preference.

Finance teams use Tipalti to shorten payment cycles, reduce late payments, and minimize duplicate payments or bank errors by automating validations and bank-detail verification. Organizations handling multiple currencies adopt Tipalti to centralize FX processing and to ensure payments comply with local banking requirements.

Other common uses are tax form collection and filing for U.S. payments, supplier onboarding at scale, and improving reporting fidelity for month-end close by automating reconciliation of payments with ledger entries. Procurement and vendor management teams also use Tipalti to maintain supplier data quality and to allow suppliers to self-serve certain updates, reducing AP inquiries.

Pros and cons of Tipalti

Tipalti provides strong automation for AP and global payments, with robust supplier management and tax compliance features. Customers report faster invoice processing times, fewer payment errors, and improved audit readiness thanks to detailed logs and built-in controls. The supplier self-service portal reduces repetitive finance inquiries and allows teams to scale without proportionally increasing headcount.

On the downside, enterprise-grade AP automation requires investment in implementation and integration. Some organizations find initial configuration and mapping to legacy ERPs time-consuming, and add-on costs for FX, tax filing, and advanced payment rails can increase the total cost of ownership. Companies with very low transaction volumes may find simpler AP tools more cost-effective.

Operationally, Tipalti works best when paired with a strong change-management plan: training AP staff, updating internal approval policies, and coordinating with IT for integrations. The vendor provides professional services and onboarding assistance to mitigate these challenges.

Tipalti free trial

Tipalti typically offers product demonstrations and sales-led trials rather than an open, self-serve free trial. Prospective customers can request a demo to evaluate core features, see payment workflows in action, and review security and compliance capabilities. The demo process commonly includes a tailored walkthrough based on your payment volume, currencies, and ERP environment.

Pilot engagements are available for many customers; these pilots allow a limited set of invoices and suppliers to be processed in a production-like environment to validate integrations and business rules. Pilots are usually scoped in the sales process and may be included as part of the implementation package for enterprise customers.

For the most current availability of trials or pilot programs, consult Tipalti's contact and trial information at Tipalti's contact and demo resources (https://www.tipalti.com/contact).

Is Tipalti free

No, Tipalti is not a free product. The platform is sold as a subscription with usage-based components and professional services fees for onboarding and integrations. However, Tipalti offers demos and scoped pilot programs to evaluate the system before committing to an enterprise contract.

Tipalti API

Tipalti exposes APIs and webhooks to allow automation of supplier data, invoice uploads, payment initiation, and reconciliation events. The API supports RESTful endpoints for creating and updating suppliers, submitting invoices, querying payment statuses, and retrieving accounting entries created by Tipalti. Webhooks notify external systems when payments are executed or when exceptions require attention.

Developers use Tipalti's API to integrate with ERPs, treasury systems, and procurement platforms so that AP data flows bi-directionally. Typical integration patterns include pushing approved invoices from an ERP to Tipalti for payment, pulling payment status back into the general ledger, and synchronizing supplier master records.

For implementation, Tipalti provides developer documentation and SDK examples for common languages, along with API keys and sandbox environments for testing. For API specifics, authentication methods, rate limits, and sample calls, consult Tipalti's API documentation at Tipalti's API developer portal (https://www.tipalti.com/developers/).

10 Tipalti alternatives

• Bill.com — Cloud AP automation focused on North American ACH and domestic payables with strong mid-market adoption
• Coupa — Procure-to-pay suite with broad procurement controls and supplier network capabilities
• AvidXchange — Invoice automation and bill payment focused on mid-market companies and verticals like property management
• SAP Concur — Expense and invoice management integrated into broader SAP financial suites for enterprises
• Oracle NetSuite — ERP with built-in AP capabilities suited for organizations standardizing on NetSuite
• Basware — Global e-invoicing and AP automation provider with strong European footprint
• StellarPay — Cross-border payment specialist with FX handling (note: hypothetical example for category clarity)
• Payable — Payment management for marketplaces and platforms (category alternative)
• Tipalti (in-house alternatives) — Some companies build custom AP automation using RPA and ERP extensions
• Copper.co — Payment orchestration platforms that focus on treasury and payouts (category alternative)

Paid alternatives to Tipalti

• Bill.com: Strong for US-focused ACH workflows and smaller vendors; simple pricing for SMBs and fast time-to-value.
• Coupa: Comprehensive procure-to-pay and cost management at enterprise scale with a broad supplier network.
• AvidXchange: Specialized vertical solutions for high-volume bill pay in industries like real estate and healthcare.
• SAP Concur: Best when you need tight integration with SAP ERP and enterprise expense workflows.
• Oracle NetSuite: Suits organizations already committed to NetSuite ERP that want AP functionality consolidated in the ERP.

Open source alternatives to Tipalti

• ERPNext: Open source ERP that includes accounting and AP modules; requires configuration and hosting but provides no licensing fees for the core application.
• Odoo: Modular open source suite with accounting and vendor payment modules; community and enterprise editions available.
• Dolibarr: Lightweight ERP/CRM with invoicing and payment management suitable for smaller organizations and development teams.
• Tryton: Modular open source business software with accounting modules adaptable for AP workflows.

Frequently asked questions about Tipalti

What is Tipalti used for?

Tipalti is used for accounts payable automation and global supplier payments. Companies use it to automate supplier onboarding, invoice routing and approvals, multi-rail payments across currencies, and tax compliance. It centralizes payment operations to reduce manual work and improve auditability.

Does Tipalti integrate with ERPs?

Yes, Tipalti integrates with major ERPs and accounting systems. Common integrations include NetSuite, Oracle, Sage, QuickBooks, and custom ERP connections via API or file-based batch imports to synchronize invoices, payments, and GL entries.

How much does Tipalti cost per user or company?

Tipalti pricing is subscription and volume-based. Indicative starting points are small monthly fees (for example, around $499/month for basic deployments) with transaction and add-on service fees; enterprise agreements are custom and typically quoted based on payment volume and feature needs.

Can Tipalti handle international payments?

Yes, Tipalti supports international and multi-currency payments. The platform supports local and cross-border rails, currency conversion, and country-specific payment formats to reach suppliers in 190+ countries depending on the chosen service footprint.

Does Tipalti help with tax compliance?

Yes, Tipalti provides tax form collection and filing capabilities. In the U.S. it automates W-9/W-8 collection and supports 1099/1042-S reporting; it also assists with VAT/GST handling and reporting in applicable jurisdictions.

Is there an API for Tipalti?

Yes, Tipalti exposes REST APIs and webhooks. The APIs allow programmatic management of suppliers, invoices, payments, and reconciliation data so finance systems can integrate Tipalti into end-to-end workflows.

What payment methods does Tipalti support?

Tipalti supports ACH, wire transfers, local bank transfers, virtual card, and other regional rails. Available methods depend on supplier location and the customer’s selected payment configuration and banking partners.

How secure is Tipalti?

Tipalti maintains enterprise-grade security controls. The platform includes role-based access, encryption in transit and at rest, SOC-type controls, and features like SSO and MFA; enterprise customers can review detailed security documentation and compliance attestations via Tipalti's security pages (https://www.tipalti.com/security).

How long does it take to implement Tipalti?

Implementation timelines vary but often range from a few weeks to several months. Small pilots can be completed more quickly, while full ERP integrations, complex workflow configurations, and international payment setups typically require longer onboarding and professional services.

Where can I see Tipalti pricing and request a demo?

You can view Tipalti's pricing tiers and request a demo directly from Tipalti. Visit Tipalti's pricing page (https://www.tipalti.com/pricing) and their demo/contact resources to start a conversation with sales and to arrange a tailored product walkthrough.

Tipalti careers

Tipalti hires across product, engineering, sales, customer success, and finance roles to support product development and global operations. Job openings commonly include developer roles focused on API development and payments integrations, product managers specializing in financial workflows, and customer success managers who lead onboarding and adoption programs.

The company typically lists roles on its careers portal and on major recruitment platforms; roles often require experience with payments systems, compliance, cloud engineering, or enterprise software sales. Interview processes generally include technical assessments for engineering positions and case-based evaluations for customer-facing roles.

Tipalti affiliate

Tipalti has partner and referral programs for channel partners, accounting firms, and technology integrators that resell or integrate the platform. Affiliates typically receive referral fees or partner discounts depending on the partnership level and the scope of services provided to joint customers. For partner program details and how to apply, consult Tipalti's partner pages at Tipalti's partner program resources (https://www.tipalti.com/partners).

Where to find Tipalti reviews

Independent software review platforms and buyer forums contain customer reviews and case studies that highlight real-world deployments of Tipalti. Look for reviews on sites such as Gartner Peer Insights, G2, and Capterra where customers discuss ease of implementation, ROI, support quality, and feature fit. You can also find Tipalti customer case studies and testimonials on their website to read examples of how organizations reduced AP labor and achieved faster payment cycles.