Payment FAQs

Payments move through the payment cycle before remittance to payees. Payment instructions are first submitted to Tipalti, then validated before going through payer and payment provider approval processes. Upon payment release, payers are notified of payment success or failure. You can manage payments on the "Payments" tab of the Tipalti Hub.

Yes. There are minimum and maximum payment provider thresholds per payee currency and payment method. Click here for a complete list.

Payments are processed immediately after payment instructions are submitted (and approved, if required). The bank may take a couple of hours to execute payments.

Consider the following terms when submitting payments:

• PD = Processing date
• Value date – Derived from the PD
  • US wires are PD+1
  • ACH is PD+1 / PD+2

Payment instructions can be submitted in one of the following ways:

• Upload a payment file or add an individual payment through the Tipalti Hub
• Submit instructions through REST APIs
• Pay bills through the Bills module

Refer to the Payment error codes section for solutions and details.

Treasury is being gradually rolled out throughout 2026. Read about Early access. Once enabled, Funds required and Currency conversions are moving from Payments to the Treasury tab. The Payments tab will still include your Manage payments screen to track and approve payments.

Once the payment file is submitted, the "Submit Payments" screen displays the balance required in each provider account.

Yes. Results are available via API or as files in the SFTP folder and indicate successful and unsuccessful payments.

Yes. An email notification is sent advising payees to resolve the issue.

Payees are notified to correct issues. Once fixed, submit payments with new unique refcodes in the next payment cycle.

Yes. Enter a scheduled date in the payment file, API request, or when preparing bills for payment.

Options depend on payment method and timing. Click here for guidance.

Value dates can be viewed in payment reports and summary files.

Yes. Payment reports can be downloaded from the Tipalti Hub.

Payments can be tracked using payment statuses and reports in the Tipalti Hub.

Currency conversion occurs on the day of transfer, after which FX fees apply.

Treasury is being gradually rolled out throughout 2026. Read about Early access. Once enabled, Funds required and Currency conversions are moving from Payments to the Treasury tab. The Payments tab will still include your Manage payments screen to track and approve payments.

On the Payments > Funds required subtab, you can view the total amount of pending transactions (including scheduled payments) and the total funds required above the current account balance to cover all payments. Click here for further information.

Wire transfer is the fastest method to deposit funds directly, in local currency, to your Tipalti account. Then Tipalti directs the payment to the payee's preferred account based on the chosen payment method. When it is time to fund your Tipalti account, go to the "Payments" tab, and click "+ Add funds". You will see "Important instructions" on how to fund your account. It is crucial that you follow these instructions to ensure funds get to your account quickly, and that payments go out in a timely manner.

The "Account details" section provides you with values for the following fields that are needed to send the wire transfer to your Tipalti bank account.

• Account number
• ABA routing
• Name on account
• Deposit reference^*

^* You must include the deposit reference number so that we can identify your funds.

It is a cheaper alternative to wire transfer that you can use to fund your Tipalti account.

ACH allows only USD funding and is a slower process than wire.

To send the ACH, you need to use the following values for Tipalti's bank account:

• Account number
• ABA routing
• Name on account
• Deposit reference

Once ACH setup is complete, you can fund either via ACH or wire transfer.

This program is designed to seamlessly integrate into your current workflow. All USD payments sent to vendors who accept card payments will be issued as virtual card payments. Vendors will process the virtual card like they would any other credit card.

All scheduled USD payments to vendors that Tipalti identifies as payable by card will automatically be paid with a virtual card. Once the payment is processed, it will appear with “Card” as the payment method and includes the card’s last four digits for identification. These payments will sync to your ERP like any other invoice payment processed via Tipalti.

Payees who are compatible with the Pay Bills by Card program can be identified at the invoice level, allowing the status to dynamically switch when an invoice is eligible for card payment and automatically revert when not.

Yes. These payments will sync to your ERP like any other invoice payment processed via Tipalti.

In addition to the convenience of utilizing a new, effortless payment method where Tipalti manages the entire process—from identifying eligible invoices to converting them for card payments—you’ll also earn cashback on every dollar spent using Tipalti's virtual card. Furthermore, you'll enjoy zero transaction fees and swift payment confirmation.

Credit card payments are processed instantly, meaning your suppliers will receive their funds quickly. In addition, your suppliers will be able to access rich transaction details, simplifying and accelerating reconciliation.

Suppliers will receive a payment confirmation email with the invoice to help them process and reconcile their payments.

Just like other card payments, these payments have the same standard fees charged by credit card processors. Tipalti charges no extra fees.

This payment method currently applies only to US-based customers paying US-based suppliers who accept card payments. We are excited to extend these benefits to your transactions and are actively working on including more currencies in the future.

We aim to ensure a smooth payment process and avoid redundant supplier communication. We will only contact your suppliers if that’s the only way to complete the card payment. If the supplier includes a payment link on their invoice or an option for payment by email, we’ll attempt to use those methods before contacting them.

Cashback will be deposited directly to your Tipalti Virtual Account at the beginning of each month for earnings from the previous month.

If you change a supplier’s payment method to one that’s not a card, they will not be paid by card in the future unless you or the supplier choose to.

The payment is captured by the supplier either immediately, or, if the supplier chooses so, at the time they decide to process the card. Fund settlement with their card processor remains unchanged.

We may make multiple attempts to process the card payment depending on the rejection reason. If we can't pay the bills by card, a new payment will be made via the supplier's previously selected payment method.