Notice of Change of Terms and Conditions

Last Modified: 14 October 2025

We’ve made several improvements to the Tipalti Services Agreement, Canadian Services Schedule, and Cards Schedule (“Terms”) to clarify our terms, to cover new services and features, and to provide additional helpful information on our processes. 

The new Terms apply as of the date of publication, which is October 14, 2025 unless otherwise stated below, for all new customers who agree to them on and after that date.

For existing customers: By continuing to use the Tipalti Services on or after November 15, 2025, you agree to the new Terms that apply to you. If you do not agree, you must stop using the Tipalti Services. If you have questions regarding the updated agreements, please contact customersuccess@tipalti.com.

Previous version of the Tipalti Service Agreement: 

April 4, 2025

Previous version of the Canadian Services Schedule:

April 4, 2025

Previous version of the Cards Schedule:

June 29, 2023

Effective on November 15, 2025 for all existing customers, the Terms are updated as briefly summarized below:

Tipalti Services Agreement

  • Section 6: Clarifying FX fees and charges

Canadian Services Schedule (published September 8, 2025)

  • Section 1.2: Restructured the section to clarify the status of the Tipalti Account under the Retail Payment Activities Act, including the establishment of a limited trust, the effect of insolvency events, and detail around access to funds. 
  • Section 2.1: Added RPAA registration information
  • Section 2.2: Added information around the scope of the established trust
  • Section 2.3: Added modifications to trustee duties

Cards Schedule

  • Overall: Restructured to introduce region-specific terms for US and UK regions
  • Section 1.1: Restructured to explain the relationship between Tipalti, Program Manager, and Issuer
  • Section 2.1: Added specific procedures for Card Transaction refusals including notification requirements and modified sanctions language
  • Section 2.2: Simplified spending limits language and removed specific section cross-references
  • Section 3.1: Added clarity around payments for Amounts Due
  • Section 3.2: Restructured concurrent payment language to clarify Payment Order process and settlement responsibilities
  • Section 3.3: Relocated periodic payment section entirely to US-specific section
  • Section 3.4: Relocated ACH Debit authorization language entirely to US-specific section
  • Section 3.6: Relocated and renamed rebates section entirely to region-specific sections
  • Section 3.7: Added new section addressing rejected or reversed Card Transactions
  • Section 5: Restructured to focus on preventive measures and specific reporting procedures
  • Section 5.3: Added language clarifying Issuer responsibility for addressing unauthorized transactions
  • Section 9.1: Expanded to include term duration and clarified termination scope
  • Section 9.4: Restructured updates section to reference Agreement modification procedures
  • Section 10: Added “US Customer Card Terms” section with jurisdiction-specific provisions
  • Section 11: Added “UK Customer Card Terms” section for UK-domiciled customers
  • Section 12: Added comprehensive definitions table organizing terms by customer domicile and updated key definitions to reference table-based approach
  • Definitions: Added new “Spending Limit” definition

Thank you for being a Tipalti customer!