Finance Automation You Can Bank On

Person sitting with a laptop viewing payment notification of €198.05, with "Pay Now" button, and confirmation message "Payment Sent!" displayed on the screen.

 Money Transmitter License

What Our Licenses Mean to You

Navigating the complex world of money transmission requires more than just expertise—it demands rock-solid compliance. As a registered Money Services Business (MSB), we hold money transmission licenses across every US state that mandates them, while also operating as a licensed Electronic Money Institution (EMI) in the UK and EU. It’s not just about meeting requirements; it’s a commitment to keeping you protected and compliant.

Reliable partners

Tipalti partners with blue-chip financial institutions, including Citi, JP Morgan Chase, Wells Fargo, and Visa, for our financial infrastructure, and we take ownership of the payment flow. Working with fintechs that outsource payments to second- and third-tier banks or to other fintech providers exposes you to ongoing risks, directly or indirectly. 

Complete coverage

We’ve spent many years and invested significantly to acquire and maintain our licenses, ensuring there aren’t any disruptions to your payout operations, providing you with the best customer experience possible, and eliminating the risk of fines and penalties for improper payouts.

Faster approval

Payout providers without the appropriate licensing are at the mercy of the bank’s timeline for the due diligence process, which can take upwards of months. As a licensed money transmitter, Tipalti controls the compliance review process, meaning we can approve you in days once you provide the appropriate documentation, so you can get up and running within weeks.

Regulatory oversight

Tipalti is also under the supervision of regulators and directly required to follow the laws designed to protect you. Requirements include having a full-time Chief Compliance Officer (CCO) who ensures compliance with regulations, undergoing annual audits, maintaining financial reserves, and other controls to ensure we meet state-mandated financial safety requirements. 

Platform Features

Work smarter, not harder

With AI and machine learning capabilities, an intuitive UX, and quick and easy global payments, you can drive unprecedented efficiency.

Customer Stories

Don’t just take our word for it,

see what our customers are saying

How It Works

Up and running in weeks, not months

Collaborative customer support with customized onboarding to get you operational quickly 

Awards

#1 award-winning finance automation solution

2024 Inc. 5000 List of America’s Fastest-Growing Companies

Awarded to Tipalti for the 7th consecutive year

2023 Deloitte Technology Fast 500

Awarded to Tipalti for the sixth consecutive year

2024 CNBC World’s Top Fintech Company

Digital Business Solutions Category

2023 Merit Awards for Technology

Gold Winner