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Send payments to partners, freelancers, and vendors in 200+ countries—without the complexity.
Best Trolley Competitors and Alternatives
Trolley (formerly Payment Rails) is a payouts platform that helps businesses automate and manage payouts to vendors, ad networks, affiliate platforms, and app stores.
If you’ve used the platform or studied its capabilities, you may have come across its limitations, prompting the search for the best Trolley alternatives.
Here’s a breakdown of the top five Trolley competitors and a side-by-side comparison with Tipalti, a leading mass payment platform.
5 Signs You’ve Outgrown Trolley
A lightweight platform like Trolley may handle the basics, but it often falls short when your organization scales or compliance demands grow. Here are five clear signs it’s time to move on from Trolley or other basic mass payable automation tools:
- Global scale is limited. Your tool lacks advanced currency management features, or you need to pay in more countries and methods than Trolley supports.
- Compliance gaps create risk. Payment fraud attacks impacted 79% of businesses in 2024, costing them hundreds to thousands of dollars. If the tax, AML, and fraud protections of your current tool aren’t strong enough for enterprise-grade needs, you need a stronger alternative.
- Manual processes slow you down. Accounting professionals devote 62% of their time to tax filing, data entry, and other compliance tasks. If manual processes are leaving little time for strategic tasks, it is time to switch from Trolley.
- Lack of integrations. No deep ERP, procurement, or performance marketing system integrations to streamline mass payments.
- Subpar payee experience. Limited payment options, delays, and errors are impacting payee relationships and your brand’s credibility.
What to Look for in a Scalable Mass Payments Solution
- End-to-end automation functionality to streamline onboarding, payments, tax compliance, and reconciliation in one flow.
- Global tax and regulatory compliance enabling e-filing, reporting, and entity-specific compliance.
- Multi-entity and multi-currency support that streamlines payouts across subsidiaries without added complexity.
- AI-powered payment tracking and real-time data insights that support accurate financial planning and forecasting.
- Self-service onboarding with KYC/AML checks and proactive payment communication to strengthen the payee relationship.
- Seamless ERP and accounting integrations to ensure smooth payment reconciliation.
Pro Tip: Learn more about scalable global payment methods and how to future-proof your payouts.
Explore our Global Payment Method Guide
Top Trolley Competitors to Consider
- Tipalti: Best for fast, compliant, and secure global mass payments
- PayPal: Best for widely accepted payments
- Payoneer: Best for marketplaces and freelancers
- Stripe: Best for developer-centric customization
- Wise: Best for low-cost batch payments
Comparison: Trolley Alternatives
| Feature | Trolley | Tipalti | PayPal | Payoneer | Stripe | Wise |
|---|---|---|---|---|---|---|
| Payee Management | Similar to Tipalti | Branded portal, validations, emails | Branded, no validations | Limited branding, clunky wallet | Co-branded, dev work needed | Wallet or bank, no validations |
| Tax Compliance | IRS/DAC7, extra $150/mo | KPMG-approved, global IDs, eFiling | ❌ None | IRS only, no DAC7/global | Beta W-9/W-8, limited | ❌ None |
| Global Remittance | Limited licensing, USD focus | Licensed US/EU, 200 countries, 120 FX | 23 FX, 156 markets | 190 countries, 70 FX, prepaid | 117 countries and 135 FX, ACH/card | 70+ countries, 50+ FX, no PayPal |
| Fraud Prevention | AML/OFAC, optional ID service | AML, OFAC, fraud detection, audits | ❌ Weak payout protections | AML/OFAC, some issues | Strong AML, KYC, sanctions | AML, sanctions, no fraud module |
| FX Solutions | No hedging | 30+ accounts, FX hedging | Payee FX only | 30 FX, no hedging | FX only, no hedging | Hold/convert 40+ FX, target rates |
| Integrations | Netsuite/Xero/QBO basic sync | Prebuilt ERP + marketing integrations | REST API, limited ERP | REST API, QBO only ERP | Strong APIs, developer focus | APIs, partial ERP sync |
| Self-Billing | Basic invoicing, no workflows | Automated invoices & approvals | ❌ None | ❌ None | ❌ None | ❌ None |
| Multi-Entity | ❌ None | Subsidiary mgmt, brands, workflows | ❌ None | ❌ None | Limited via Connect API | No multi-entity, access only |
1. Tipalti: Built for High-Volume, Global Mass Payments
Tipalti leads the list of Trolley alternatives with its best-in-class global mass payment solution.
The platform optimizes the payment process by automating global payouts, reconciliation, and tracking. The connected suite links mass payments to accounts payable, procurement, and expenses to deliver a seamless financial workflow.
In addition to deep integrations with accounting software, affiliate and influencer platforms, Tipalti is known for its scalability and rich payee experience.
The holistic cloud solution meets complex business needs by offering tax validation, cross-border remittance, early payments, and multi-entity support.
Tipalti also offers AI-powered validations and fraud detection to further automate error checks, track payment status in real time, and improve financial accuracy.
Top Features
- Global payouts to 200 countries in 120+ currencies via 50+ payment methods
- KPMG approved, built-in tax engine, and branded payee portal
- Enterprise-grade security with global sanctions screening, continuous fraud monitoring, and advanced controls
- Real-time payment reconciliation and a clear audit trail
Serviceable Market
Tipalti is a great solution for any business looking to make the global partner payments process faster, safer, and more efficient through automation. Whether your business is a startup or a large enterprise, it’s a solution that fits all sizes and industries.
Strengths
- Fast and secure way to pay contractors, suppliers, freelancers, and partners
- 26,000 AI-driven payment validation rules to reduce payment errors
- FX solutions, including FX hedging, live FX rates, and self-service transfers
- Multi-subsidiary payables, with independent branding, workflows, tax processes, and reporting per entity
Pricing
Businesses can opt for one of the following mass payments pricing plans:
Accelerate
- Customizable, embeddable payee self-onboarding
- W9/W8 collection and TIN validation
- 50+ payment methods to 200+ countries in +120 currencies
- Two-way API sync with leading performance tracking software and ERPs
- Global multi-entity and multi-currency infrastructure
- Option to add Expenses
Plus
- Access to Tipalti Developer Hub and APIs
- Option to add AP, Procurement, Expenses, and Card
- Includes all Accelerate features
- Tipalti Detect® risk module for fraud monitoring
- Self-billing with payee approvals
Customer Rating
Automate mass payments to 200+ countries in 120 currencies with built-in compliance, flexible payout options, and real-time tracking.
2. PayPal
PayPal is one of the most widely used mass payment platforms with 434 million active accounts as of December 2024.
After acquiring Zettle, Braintree, and Hyperwallet, PayPal strengthened its business offerings across global payouts, payment orchestration, and fraud protection.
Top Features
- Enterprise Payouts supports payments to 200 countries in 50 currencies
- Payment status tracking via Hyperwallet
- Payouts Rest API to automate payouts
- A centralized platform to manage payment methods and service providers
Serviceable Market
PayPal caters to small businesses, enterprises, e-commerce, and solopreneurs in 200 markets.
Strengths
- Strong ecosystem built for businesses of all sizes
- Tax reporting, AML, and sanctions screening
- Fast access to funds
- Secure batch transfer
Pricing
PayPal Payouts (web) charges 2% of the transaction amount for both domestic and international payouts. For the Payouts API, a flat rate of USD 0.25 per transaction applies, while rates vary by currency.
Customer Rating
G2: 4.4/5
Capterra: 4.7/5
3. Payoneer
Founded in 2005, Payoneer enables businesses to make and receive global payments. The platform offers business tools like expense cards, working capital, and batch payments.
Payoneer integrates with marketplaces and freelancer platforms like Amazon, Fiverr, and Upwork.
Top Features
- Global payments to 190 countries in 70+ currencies
- Batch payments of up to 1000 at a time
- Local receiving accounts
- Payoneer Business Mastercard with a $200,000 USD daily spend limit
- Tax form collection
Serviceable Market
Payoneer is best suited for startups, marketplaces, dropshippers, freelancers, and wholesalers.
Strengths
- Real-time exchange rate with a 0.5% fee
- Connects to 2000 marketplaces
- Integrations with Xero and QuickBooks
- Easy withdrawals to local bank accounts
Pricing
Payments to a Payoneer account in a different country cost 1% of the transaction amount (minimum $4 fee), while domestic transactions in the same currency incur 4.00 USD/EUR/GBP per transaction.
Local bank withdrawals cost 1.50 USD/EUR/GBP. There are also an annual card fee and ATM withdrawal fees.
Customer Rating
G2: 3.2/5
Capterra: 4.3/5
4. Stripe
Stripe features in the list of Trolley alternatives due to its comparable features, including global payout capabilities, tax compliance, and payment automation.
The platform takes a developer-first approach by offering flexible APIs and no-code tools for payouts, billing, and analytics. From simple one-off payments to complex subscription models, it helps businesses automate mass payments.
Top Features
- Payouts to 118 countries and 135 currencies
- 125 payment methods, including wallets, bank transfers, and real-time payments
- Customizable manual and automatic payout schedule
- Tax compliance with Stripe Tax integration
Serviceable Market
The system is available in over 45 countries. It primarily serves SMBS in e-commerce, SaaS, marketplaces, and enterprise-level companies.
Strengths
- Robust, developer-first tools
- Built-in fraud detection
- Central dashboard to track payments
- Local and global payment methods
Pricing
Stripe’s charges vary depending on the module or payment method you choose. Domestic payouts cost $1.50 per bank or debit card payout, while international payouts cost $1.50 each, plus 0.25% cross-border fees and 0.5% FX fees.
Stripe Connect charges $2 per monthly active account plus 0.25% + 25¢ per payout for businesses that prefer to handle the pricing themselves.
Customer Rating
G2: 4.2/5
Capterra: 4.6/5
5. Wise
Wise (formerly Transferwise) is one of the most cost-effective Trolley alternatives for businesses looking for good exchange rates and transparent pricing.
With Wise, businesses can set up local accounts, make batch payments, and earn interest on their USD, GBP, and EUR balances.
Top Features
- Payouts to 160 countries in 40 currencies
- BatchTransfer to make 1,000 international payments in a single transfer
- Business accounts support holding funds in 55+ currencies
- Accounting software integration
Serviceable Market
Wise supports transfers to and from 80+ countries and is best for freelancers, small-to-midsize companies, international contractors, and remote-first businesses.
Strengths
- Mid-market FX rates
- Low-cost transfers and no hidden fees
- Discounts on large volume transfers
- Multi-currency card with low fees (US-based businesses only)
Pricing
There’s no fee for transactions in the same currency between Wise Business accounts. FX fees for Wise range from 0.35% to 1.5% (it will vary by currency). Wise does not charge a monthly subscription for business accounts.
Customer Rating
G2: 3.9/5
Capterra: 3.8/5
Tipalti vs. Trolley: Side-by-Side Comparison
Looking at the key differences between Trolley and Tipalti will help you make an informed decision. Here’s a side-by-side comparison of their features:
| Tipalti | Trolley | |
|---|---|---|
| Payee Management | Branded portal / embedded iFrame onboarding with validations, proactive payment email communications | Comparable capabilities to Tipalti |
| Tax Compliance | KPMG approved IRS compliance, auto withholdings, prep reports, eFiling. DAC7 compliance and global ID validations | IRS + DAC7 tax compliance capability. Not KPMG-approved. No global tax ID validations. Tax module costs an extra $150/month |
| Licensure | Licensed in the US, CA, UK, EU. Bluechip bank partners. | Not regulated MSB in the US, not authorized EMI in the UK/EU. Limited secondary currency support |
| Global Remittance | Pay to 200 countries and territories, 120 currencies, 50 payment methods, including debit/credit card, PayPal (“Mass Transaction” model). | Pay to 210 countries, 135 currencies; Limited payment methods; Uses PayPal “Account Direction” model, which has funding limits, higher FX rates, and slower remittance. |
| Fraud Prevention | AML monitoring, OFAC screening on every payment, fraud detection, full audit trails, and payee reports | AML and OFAC screening. Optional “Trust” ID verification service for $49 / month + $2.50 per completed scan |
| FX Solutions | Payee and payer FX. Manage FX transfers between 30+ different currency accounts. Mitigate risk with FX hedging | Convert funds between currency balances on your account. Support for fewer currency accounts, no FX hedging |
| Integrations | Developer tools for custom-built integrations. | Basic native sync with Netsuite, Xero, and QBO. Sync is $35/month. 3rd party Zapier for other integrations. Solid APIs |
| Performance Marketing Integrations | Pre-built integrations with several performance marketing systems | Only with Paladin and Refersion |
| Controls and Governance | 20+ role-based permissions | 5 permission roles |
| Self-Billing | Automated invoice creation and approval workflows when invoices are required | “Invoices” feature lacks the associated payer/payee approval workflows |
| Multi-Entity | Manage individual subsidiaries with independent brands, onboarding, tax, payment, etc., workflows | ❌ No multi-entity capability |
Trusted by Finance Leaders. Backed by Industry Awards.
Tipalti’s ability to address the key pain points finance professionals face has made it a trusted leader in global mass payments.
Clients, such as Spitfire Audio, implemented Tipalti’s mass payment solution and automated 1500+ global payouts, reduced royalty payment run time from six weeks to 30 minutes, and saved ten weeks of payments workload per year.
Recognized globally, Tipalti keeps winning awards for its next-generation technology.
Why Growing Companies Choose Tipalti Over Trolley
It’s no longer just about adopting new technology; it’s about choosing solutions that deliver tangible ROI by saving time, optimizing cash flow, reducing payment fraud, strengthening compliance, and providing actionable insights to scale with confidence.
Trolley covers mass payments, but lacks true end-to-end finance automation. Tipalti leads as the top platform for scaling globally with affiliates, vendors, and complete finance workflows.
The user-friendly interface and quick implementation are other reasons to choose Tipalti over its competitors.
| Capabilities | Tipalti Value |
|---|---|
| Scalable global payouts platform | Easily manage and automate global payments to over 200 countries in 120 currencies with advanced funding options, FX capabilities, and multi-entity support, all within a single secure platform connected to major banks and payment methods like PayPal. |
| Branded self-service payee experience | Provide a fully branded, multilingual self-service payee experience with tax guidance, preferred payment options, full payment visibility, and digital self-billing that reduces support inquiries and streamlines onboarding. |
| Built-in tax compliance and controls to mitigate risks | Easily meet global tax, fraud, and regulatory requirements with built-in compliance tools, including KPMG-approved tax validation, AML screening, VAT and DAC7 support, secure data storage, and enterprise-grade platform controls. |
| Seamless integration with your tech stack | Choose from a branded portal, embeddable iFrame, or flexible APIs. An AI-powered brand generator helps customize the iFrame, while robust developer tools and pre-built integrations support connections to leading ERPs and third-party platforms. |
As your business expands, basic payout platforms like Trolley can create limits around compliance, global reach, and process automation. Exploring leading Trolley alternatives ensures you find a solution that matches both your current needs and long-term growth. For organizations focused on scaling with confidence, Tipalti offers the most comprehensive and future-ready option.
Ready to switch from Trolley? Simplify mass payments at scale
Discover how Tipalti helps you automate global payouts, streamline compliance, and deliver a seamless experience to payees—no matter how fast you grow.
Mass Payments 
United States, Global 
Business services
100 – 1000
Accounts Payable 
Software and technology
Music royalties
Procurement 
AdTech
More industries
Card 
Healthcare
