Back Standard Services Schedule
Last Modified: October 14, 2026
This schedule describes the additional terms and conditions applicable to Customers who contract with Tipalti, Inc. and/or Tipalti Payments, Inc. If in conflict with any other part of the Agreement, this Schedule will control.
- Making Payments.
1.1 Linked Accounts. To fund a Tipalti Account, Customer must associate one or more Linked Accounts with its Tipalti Account(s). Customer shall provide to Tipalti all account numbers, owner identifications, and other information regarding each Linked Account reasonably requested. Tipalti may refuse to accept a payment into a Tipalti Account at any time if Tipalti believes accepting funding creates excessive regulatory, security, financial, or reputational risk. Customer represents and warrants that (1) it has the authority to provide all requested information regarding the Linked Account, and that any representative providing the information has the authority to provide it and to authorize debits directly from the Linked Account through the automated clearing house (“ACH Debit”), (2) it provides complete and accurate information regarding the Linked Account, and (3) it has the authority to authorize ACH Debits from the Linked Account for the purposes of this Agreement. Customer shall notify Tipalti promptly of any changes to information regarding the Linked Account.
1.2 Funding via Linked Account. (a) Customer hereby authorizes Tipalti to process an ACH Debit from the Linked Account to (1) test and verify ACH Debit setup, using one or more attempts to debit nominal amounts, (2) fund a Tipalti Account in accordance with Payment Instructions and Tipalti’s calculation of the amount needed to fund payments including amounts estimated for currency conversions and Fees, (3) pay any Fees owed to Tipalti pursuant to this Agreement, and (4) fund a Tipalti Account as otherwise agreed between the parties. Customer may cancel this authorization by calling Tipalti support or providing a notice of written cancellation which must be received by Tipalti at least three days prior to any scheduled ACH Debit.
(b) ACH Debit transfers may take up to three business days to process through the ACH network, and funds will not be available for Transactions until processing is complete. If an ACH Debit is returned to Customer for any reason, Customer remains liable for all amounts that Tipalti sent pursuant to the Payment Instructions and any associated penalties and fees. Customer authorizes Tipalti to resubmit a returned ACH Debit to the Linked Account.
(c) Customer shall comply with the NACHA Operating Rules. Tipalti may discontinue Customer’s usage of the ACH Debit method of funding a Tipalti Account at any time.
1.3 Funding via Linked Card. (a) Tipalti may permit Customer to fund a Tipalti Account via a credit or debit card approved by Tipalti (“Linked Card”). For each transaction that funds a Tipalti Account by Linked Card (“Card Funding Transaction”), this section 1.3 applies.
(b) Customer shall pay a service fee (“Card Funding Fee”) for each Card Funding Transaction. Tipalti will notify Customer of the applicable Card Funding Fee at the time of each Card Funding Transaction. The Card Funding Fee may vary between Linked Cards and may be changed by Tipalti upon written notice to Customer, in each case based on factors including the interchange rate and other processing costs applicable to the Linked Card.
(c) Linked Cards and Card Funding Transactions are subject to the existing terms for the Linked Card, including but not limited to any relevant credit or transaction limits, credit and interest terms, rewards programs, or other applicable terms set by the bank that issued the Linked Card to Customer (“Issuing Bank”). Tipalti is not responsible for any charges or fees charged to Customer by the Issuing Bank, including any fees charged to Customer in connection with a Card Funding Transaction.
(d) Customer may initiate a Card Funding Transaction by following instructions provided by Tipalti. Tipalti may consider any Card Funding Transaction initiated by Customer according to such instructions to have been duly authorized by Customer. Notwithstanding the foregoing, Tipalti may verify, by any commercially reasonable method, the validity of and Customer’s authority to use any Linked Card supplied by Customer. Funds from any Card Funding Transactions may not be accessible in the Tipalti Account until any such verification is complete.
(e) Tipalti may delay any Card Funding Transaction, or any further Transaction, or suspend or terminate Customer’s ability to fund its Tipalti Account via Linked Card, if: (1) Customer initiates a card payment dispute seeking to reverse, chargeback, or dispute any Card Funding Transaction (“Funding Transaction Dispute”); (2) Tipalti reasonably believes that allowing Customer to fund its Tipalti Account via Linked Card presents an unreasonable financial risk to Tipalti; (3) Customer attempts to fund a Tipalti Account using a card issued to any entity or person other than Customer, or any personal or non-commercial card; (4) Customer initiates a Card Funding Transaction in an unsupported region; or (5) Customer is in breach of the Agreement. Tipalti is not responsible for any losses arising out of any such delayed, reversed, or declined transaction. If any Card Funding Transaction is reversed as a result of a Funding Transaction Dispute, Customer shall pay Tipalti the full amount of Funds that are subject to reversal, and any related fees or fines incurred by Tipalti (collectively, the “Reversed Funds”). Tipalti may charge the Reversed Funds to the Tipalti Account or otherwise obtain payment of the Reversed Funds by any other method authorized under this Agreement.
(f) Tipalti may limit the amount of any single Card Funding Transaction, or the aggregate total of Card Funding Transactions which may be processed in a specified period. Tipalti may also apply additional terms or restrictions to Card Funding Transactions by written notice to Customer.
1.4 Tipalti Account. Tipalti is not a bank and does not itself take deposits or provide deposit-taking services. When transferring Funds to the Tipalti Bank, Customer is intending that all Funds received into the Tipalti Bank are held by Tipalti in a custodial capacity in one or more virtually segregated accounts within an account established for the benefit of Tipalti’s customers. Tipalti does not pay any interest to Customer on the balance of any Tipalti Account. If Tipalti or the Tipalti Bank receives an order of any court or governmental or regulatory authority relating to Customer, or if Tipalti or the Tipalti Bank deems it advisable in order to comply with Applicable Law or considering that it could be in breach of any Applicable Law relating to any Customer, Tipalti or the Tipalti Bank may freeze Funds or block transfer of Funds. Customer hereby appoints Tipalti as its agent with respect to Funds in its Tipalti Accounts.
1.5 U.S. Instant Payments. This section applies only to Customers located in the United States that have been approved by Tipalti to use instant payments, including the RTP Network and FedNow Service, as a payment method (“Instant Payment”). Each Transaction using an Instant Payment is an “Instant Payment Transaction”. To the extent Section 1.5 conflicts with any other provision of this Schedule or the Agreement regarding Instant Payment Transactions, Section 1.5 controls.
(a) Eligibility and Restrictions. Customer may use Instant Payments only for use cases expressly approved by Tipalti. Tipalti reserves the right to restrict, modify, or discontinue Instant Payments at any time if required by its banking partner, applicable network rules, or Applicable Law. Instant Payments are available only for Customers and Payees domiciled in the United States with accounts at U.S. financial institutions. Customer shall not use Instant Payments for non-USD currency accounts, cross-border payments, or payments to non-U.S. Payees. Customer shall not submit Instant Payment instructions on behalf of a third party, nor instruct a payment to a Payee who will receive funds on behalf of another person; each payment must represent a direct obligation between Customer and the designated Payee. Customer shall not use Instant Payments to send payments on behalf of, or to, any bank, credit union, or other depository institution. Instant Payments are subject to transaction limits established by the Instant Payment network rules. Tipalti and its banking partners are entitled to impose transaction limits on Instant Payment Transactions, which may be lower than the transaction limits established by the network rules.
(b) Bank Account Controls. Customer acknowledges that Instant Payments are routed based on account numbers and bank identification numbers, not Payee names. If a Payment Instruction contains a Payee name that does not match the account number provided, the payment will be executed based on the account number.
(c) Transaction Finality. Instant Payments are final and irrevocable once submitted for processing. Customer acknowledges that Instant Payment Transactions cannot be cancelled, amended, or reversed. Any dispute regarding an Instant Payment Transaction must be resolved directly between Customer and the Payee. Customer may request that Tipalti submit a request for return of funds to Tipalti’s banking partner on Customer’s behalf; however, the Payee is under no obligation to return the funds, and Customer bears all costs and losses associated with any such request. Customer is responsible for all Instant Payment Transactions that Customer initiate or that are initiated on Customer’s behalf, including Transactions that are erroneous or induced by fraud.
(d) Error and Fraud Reporting. Customer shall monitor all Instant Payment Transactions and notify Tipalti of any erroneous or unauthorized Transaction within a reasonable time, not exceeding 7 calendar days after the Transaction has been completed or that the Tipalti Account has been debited with respect to the Transaction, whichever is earlier. If Customer becomes aware or determines that an Instant Payment Transaction was unauthorized or fraudulently induced, Customer shall notify Tipalti immediately following that determination. Customer shall provide all information reasonably requested by Tipalti to report to its banking partners.
(e) Indemnification. In addition to any indemnification obligations elsewhere in the Agreement, Customer shall indemnify, defend, and hold harmless Tipalti and its banking partners from and against all losses, claims, fines, fees, and expenses (including reasonable attorneys’ fees) arising from (1) Customer’s breach of any representation, warranty, or obligation under Section 1.5, or (2) Customer’s violation of any Instant Payment network rules in connection with an Instant Payment Transaction initiated by or on behalf of Customer.
1.6 Rejected or Returned Transactions. If a payment is rejected or returned by the Payee or the Payee’s bank or financial institution, or a correspondent bank or financial institution, then Tipalti may attempt the payment again, attempt payment using a different payment method, or return the funds to Customer’s Tipalti Account. Funds from rejected Transactions will be exchanged back to the currency it originated from by the Tipalti Bank at the then-applicable exchange rate. Customer is responsible for all costs associated with rejected or returned Transactions, including but not limited to penalties and conversion fees. Customer authorizes Tipalti to open and process any mail which is addressed to Customer at Tipalti’s address.
1.7 Single Sign-On. Customer may enable single sign-on (“SSO”) for Customer Users, wherein Customer shall use SSO authentication providers via a third-party application to manage login credentials to access the Services. If Customer enables SSO then (1) Customer is responsible for its SSO use and configuration and shall ensure that it and its SSO authentication provider use two-factor authentication; (2) Tipalti is not required to provide two-factor authentication; and (3) Tipalti may, in its sole discretion and at any time without notice to Customer, discontinue the SSO configuration. - California Companies. If Customer is located in California, Tipalti Payments, Inc. will provide Customer with the Money Transmission Services, and Tipalti, Inc. will provide Customer with the Payment Processing Services. Tipalti, Inc. will receive all payments as agent for the Payee so long as Customer provides Tipalti, Inc. with Payment Instructions prior to transfer of Funds. In such a case, the receipt of Funds by Tipalti, Inc. will constitute payment to the Payee. If, on an exception basis, Customer sends Funds to Tipalti, Inc. prior to Payment Instructions, Tipalti, Inc. will instead act as agent for Tipalti Payments, Inc. and transfer the Funds to Tipalti Payments, Inc. to be held for Customer’s benefit and used for future Money Transmission Services provided to Customer by Tipalti Payments, Inc. This section does not apply to companies that are not located in California.
- FTC Renewal Disclosures. Unless otherwise agreed, if any Customer User continues to use or access the Services after the termination of this Agreement, this Agreement will automatically renew for 90 days from such termination.
- Fraudulent Transaction Risk Disclosure. Fraudulent Transactions may result in the loss of Customer’s money with no recourse.