Card FAQs

Under the concurrent payment model, funds from your virtual account are used to pay for the card transaction after authorization.

Under the periodic payment model, Tipalti may permit you to pay for card transactions in the aggregate at the end of a mutually agreed payment period. The spending limits in this model depend on an underwriting process. Please contact your Tipalti rep for more information.

Yes. Tipalti Card is international, USD-denominated card and can be used outside of the US.

Tipalti Cards are international, USD or GBP-denominated cards that can be used both internationally.

No. After you issue a card to an employee, they will receive an email from us that includes a link to their card details.

We create an employee list based on the info of your existing Tipalti Hub users (including bill approvers). We can add many more employees - or your entire org chart - if need be, at no additional cost (assuming they weren't assigned any other roles in Tipalti). These users don't receive any communication from us unless you issue a card for them.

Please submit a request to our Support Team if you wish to add more employees to the Card product.

The UK Tipalti Card can be created and assigned in the Tipalti Hub just like the US Tipalti Card, however, there are a few notable differences. To be eligible for a UK Tipalti Card, you need a UK-based entity. The UK Card can be issued and shipped in the UK and offers GBP as the transaction currency. It supports VAT tax codes and syncs transaction data with the following ERPs: NetSuite, QuickBooks, Xero, and Intacct.

UK cardholders who attempt an online purchase but have not yet verified their phone number in the Tipalti Hub will be prompted by email to add their phone number to login and restart the checkout process. This applies to 3-D Secure-challenged transactions (usually over £30).
 

Each card has a preset budget. We use it to apply thresholds that prevent overspending and notify budget owners and the Finance team of the need to adjust the card budget when necessary. By default, we block transactions that exceed the card's budget by 15%. You can change this setup on the "Card settings" screen.

When a card is charged, Tipalti sends an email to the cardholder asking them to provide a receipt. Cardholders are asked to send the receipt to receipts@tipalti.com so that we can collect the receipt documents, just like we do with invoices. Once collected, the receipt is scanned via AI Smart Scan and matched against the card transaction automatically, thus reducing the need for manual review of the submitted receipt by your AP team.

You can fully automate the coding process so that the preset values for the card are populated into every transaction, and the transaction is posted into the ERP without requiring Finance review. This functionality is especially good with recurring expenses and subscriptions that you don't want to review every time again and again.

Yes. By default, the threshold for receipt requirement is $75 (in line with IRS requirements). You can always change/ disable the policy in the "Cards settings" page.

USD Tipalti Cards sync with: NetSuite (NS2.0), QBO, and Intacct. UK Tipalti Cards sync tax codes and transaction data with: NetSuite, QBO, Xero, and Intacct. Bills Cards in USD can be reconciled to any ERP.

Card transactions are posted as Bill+Payment records after they are reviewed and marked as complete. See our Process transactions page for further information.

Yes. When a transaction status changes to "Completed" it individually syncs into the ERP as a Bill+Payment (2 separate records).

The card product is free of charge, and its permissions don't require additional costs.

Yes, you can participate in the Pay Bills by Card program while still issuing and using Tipalti Card for receipt-backed spending, such as travel expenses and subscriptions. You can also participate if you add a virtual Bills Card to pay a specific payee on a recurring basis that you set up and manage. Bill-backed payments is a different program managed for you by Tipalti and uses single-use virtual cards, meaning each transaction has its own temporary card.

Payments made on your behalf to payees as part of the Pay Bills by Card program are not connected to your Tipalti credit line. Instead, pay bills by card payments behave as any other AP payment that comes directly from your virtual account per payment when it is due. This has no impact on your credit available for other spending via cards.

The cards used to pay bills by card are single-use virtual cards that are canceled as soon as the payment is placed. These single-use cards can't be viewed or managed in the Tipalti Hub. Each single-use card has limited validity and the payee is prompted to process the payment before it expires.

The single-use cards are issued with 'Tipalti' as the cardholder.

The pay bills by card payments only include invoices that have already been through the bill approval flow and are ready to be paid.

No, the card payments from pay bills by card don't create a card transaction that you need to attach receipts to or review. They show as regular invoice-backed payments on the payee's activity tab and on the Payment history page with Tipalti Card as the payment method.

Bills Cards are virtual cards intended to pay a specific payee whose bills will go through the usual bill and AP process in Tipalti. Bills Cards are reusable, meaning they can be used for multiple or recurring payments to the same payee.

Bills Cards are different from the Pay Bills by Card program, which is managed for you by Tipalti and makes payments via single-use virtual cards, meaning each transaction has its own temporary card.

Other cards that can be created in Tipalti are meant to pay for expenses that will not have corresponding bills in Tipalti, instead, cardholders will be required to provide receipts for each payment.

Bills Cards can be created in the Tipalti Hub under the Cards tab, clicking Add new card and selecting the Bills Card option, then assigning the card for payment from a specific entity to a specific payee. For more, go to Manage Cards.

By assigning a Bills Card to a payee, their previous payment method will be updated to 'Virtual card - Reusable bills card', and any outstanding scheduled payments are canceled. Converting payees to Bills Cards avoids potential issues with pre-existing scheduled payments.

When a payee changes their payment method from "Bills Card" to another payment method, an email notification is sent to the cardholder and admins, prompting a review of active cards linked to the payee. You can change the payment method back to Bills Card or cancel the card if it's no longer in use.

When completing their processing, approval, or PO matching, bills from payees with the payment method 'Virtual card - Bills card' will show in the Card matching tab under Bills. Once a bill is approved and processed, it's automatically matched with its corresponding card transaction, which then syncs to your ERP as a payment.

To manually match bills to card transactions, select a bill in the Card matching tab and choose the relevant transaction from the side panel. Bills can be matched to transactions from cards assigned to the same payee and payer entity. You can match more than one card transaction to a bill.

Once a bill is matched, the transaction becomes the payment for that bill and will be shown in the All bills tab and in Payments in the payee's details.

If you match a card transaction of a lower amount, the bill will be marked as Partially paid and the outstanding balance will require matching to another card transaction.

If you have a bill that was not paid with a relevant card, the bill can be marked as Manually paid in the Tipalti Hub.