Finance Automation You Can Bank On

Our money transmitter licenses guarantee regulatory oversight, giving you confidence we’re a partner you can trust.

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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 Services Business Features

What Our Money Transmitter Licenses Platform Means 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.

Transparent, Scalable Pricing

Our flexible pricing adapts to businesses of all sizes. Pay only for what you use—no extra costs, no client-based fees. Simple, predictable, and budget-friendly.

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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.

AI

Smarter processes. Instant insights. More productivity. Less manual work. Tipalti AI actually gets things done.

Global

Manage all entities’ payables operations from a single system. Enable each entity to operate with its own unique workflows and branding.

Tipalti Detect®

Proactively prevent fraud by identifying unusual patterns. Block suspicious payees from receiving payments, prevent them from creating new accounts, and get notified of abnormal activities.

Controls and Compliance

Stay up-to-date and protected automatically, with multi-jurisdictional tax compliance, built-in payment protections, and enterprise-grade controls and security.

Integrations

Pre-Built ERP Connections to Extend Automated Workflows

Easily extend and simplify your workflows with pre-built integrations and powerful APIs for your ERPs, accounting systems, performance marketing platforms, HRIS, SSO, Slack, credit cards, and more.