What is an ACH payment?

An ACH payment (Automated Clearing House payment) is an electronic transfer of funds processed through the ACH network in the United States. The ACH network enables the direct transfer of money between bank accounts and financial institutions without needing paper checks, wire transfers, or credit cards. There are two types of ACH payments: ACH credit is where the payer initiates the transaction, sending money to the recipient's bank account (such as direct deposit, government benefits, or refunds). ACH debit is where the recipient initiates the transaction by pulling funds from the payer's account (e.g., recurring bill payments such as utilities, loans, or subscriptions).

What is the best payment method for global payments?

The best payment method for global payments will vary depending on factors like: Speed Transaction size Cost Currency conversion Regulatory requirements Some of the most common and effective global payment methods include: Wire Transfers This works best for large, high-volume payments and offers a simplified customer experience. Platforms like PayPal This method works best for small to medium-sized businesses and freelancers. Global Payment Solutions like Tipalti Fintech companies like Tipalti work great for any business that needs to pay global suppliers, creators, and contractors. Alternative Payment Methods Global ACH Credit card (like Visa or Mastercard) Digital wallets

How do you transfer money from a local bank to an international bank?

Transferring money from a local bank to an international bank can be done in several ways. Still, the most common and reliable methods include: Wire Transfers This is the most traditional and widely used method for international bank transfers. Step #1: Gather Recipient's Data You'll need: Recipient's name Recipient's bank account number (or IBAN in certain countries) SWIFT/BIC code Bank name and address Step #2: Visit Your Bank Most banks offer international wire transfer services via their in-store branch or online banking portal. Step #3: Start the Transfer Fill out the bank form or online transfer request with the recipient's data, the amount, and the currency. Depending on the country, you may also need to specify the reason for the transfer. Step #4: Pay the Fees International wire transfers usually incur a fee, typically $15–$50, plus exchange rate fees. Step #5: Wait for Payment Processing Wire transfers take 1–5 business days to process, depending on the banks and countries involved. International Payment Platforms These payment services often provide a cheaper, faster alternative to traditional bank transfers. Step #1: Sign Up for a Payment Provider like Tipalti Platforms like Tipalti or PayPal are designed for international payments and typically offer better exchange rates. Step #2: Link Your Bank Account You must link your local bank account or credit/debit card to fund the transfer. Step #3: Enter the Recipient's Bank Data Provide the recipient's bank information (such as IBAN or SWIFT code). Step #4: Choose the Currency Before confirming the transaction, most platforms will show you the exact exchange rate and fees. Step #5: Complete the Transfer Depending on the payments technology, the recipient may receive the real-time payment within minutes or up to a few days.

How does Tipalti help prevent AP fraud?

A money transmitter license (MTL) is a legal requirement for organizations that transmit money domestically or in global markets. In the United States, the license is issued at the state level, with requirements varying by state. It ensures that companies handling the transfer of funds comply with anti-money laundering (AML) regulations, consumer protection, and fraud prevention. Who Needs a Money Transmitter License? Any company that transfers money on behalf of others Payment gateways and POS systems Online payment platforms Remittance services Currency exchange services Money transmission is a highly regulated activity under both federal and state laws. Tipalti is regulated as a Money Services Business (MSB) and has its US MTLs in every state that requires it. Tipalti is also licensed as an Electronic Money Institution in the UK and EU. They have spent many years and made significant investments to acquire and maintain our money licenses.

What makes Tipalti a trustworthy partner for money transmission services?

Tipalti is a trustworthy partner for money transmission services due to several key factors: Regulatory Compliance Tipalti is fully licensed as an MSB in the U.S. and an Electronic Money Institution in the UK and EU. This ensures compliance with stringent financial regulations across multiple regions and jurisdictions. The brand adheres to anti-money laundering (AML), Know Your Customer (KYC), and sanctions compliance standards, safeguarding against fraud. Fraud Detection and Risk Management Tipalti offers advanced fraud detection tools, including “Do Not Pay” blacklist screenings and checks against major national and international blacklists (OFAC, EU, HMC). These features help identify and block fraudulent actors, ensuring more secure transactions. Global Payment Capabilities Tipalti supports payments in 120+ currencies across 200+ countries, providing cross-border flexibility. This makes it ideal for companies with a global supplier or contractor base. Transparency and Security Tipalti offers real-time transaction monitoring and comprehensive audit trails. This provides transparency at every step of the payment process. The platform uses multi-factor authentication (MFA) and encryption technologies to ensure data security.

Which payment methods can I use with Tipalti’s global payment solution?

Tipalti’s global payment methods include: Wire transfers ACH Global ACH Paper checks PayPal Each payment method has its benefits and drawbacks, and companies should choose a checkout experience that meets their needs for cost and efficiency while prioritizing the satisfaction of the recipient. The most optimal payment method often depends on a payee’s location, regulations, and expectations.

Home / Mass Payments / Global Payments

Fast, Secure Global Payments Anywhere

Send thousands of payments around the world in a matter of clicks.

Global Payments Features

No Borders, No Barriers

With unmatched flexibility, security, and transparency, Tipalti streamlines payment processes, reduces manual effort, and helps you efficiently manage global transactions as you grow.

Global Payment Execution Made Easy

Say goodbye to data entry across multiple bank portals, costly overhead, and extra fees. Schedule payments in multiple countries and currencies using different methods—all in a single application. Tipalti automatically remits to payees using all payment methods with no interaction required by your staff.

Trigger payments from invoices, payment file upload, or the Tipalti API
All payment status and data from each payment method are reconciled, normalized, and can be sent to your ERP
Eliminate the need to hire to meet payables needs as you grow

Global Coverage, International Payment Methods

Whether you’re paying payees, contractors, freelancers, publishers, affiliates, or creators, Tipalti can handle it. A self-service portal guides payees through choosing their preferred payment method and collects banking details.

The global payments system executes payments to 200+ countries and territories in 120 local currencies
Over 50 international payment methods – ACH, EFT, SEPA, BACS, global ACH, wire transfer, PayPal, paper check, and more
Automatically validates supplier data in real-time using 26,000 global banking rules to eliminate payment errors.
No phone calls, emails, or faxes by your finance staff
Flexible and secure global payments backed by our money transmitter licenses

Advanced Payment Configuration Options

Want to eliminate paper checks? Sick of costly wire transfers? Want to avoid uneconomical small payments?

Use transaction fees to incentivize payees to choose the most cost effective payment methods
Use payment thresholds to hold payments until a specified minimum amount is reached, improving cost margins on transactions

Payment Transparency Throughout

Looking to reduce calls to your payables department? Proactive payment status communications keep payees informed when payments are processed, and when (and why) they fail. Payees can also view their complete payment history in an online portal, freeing your team from hours spent on issue resolution.

Payees are alerted if additional information is required to process payment, if tax forms need to be updated, and more
All payment communications and self-service portal access are white-labeled so that your brand stays front and center, helping you to build trust with your payees

Enterprise-Grade Financial Controls

Protect the funds that are leaving your organization. Instituting strong internal controls is critical to scale payment operations. Enforce delegation of authority, segregation of duties, and system access.

Unlimited payment approvers, configurable workflows, and role-based access
Audit trail logs capture user activity in the system, assuring you always have a record for auditability

Integrations

Pre-built 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.

See All Integrations

Testimonials

Don’t just take our word for it,

see what our customers are saying

Our accounts payable team is incredibly lean, with just two people managing over 60,000 clients. And a lot of that operational efficiency is directly thanks to Tipalti.

Jorge Brea

Founder and CEO, Symphonic

There appears no end to how far Tipalti can scale with us, and it’s allowed us to focus our limited resources on growing the business instead of administrative and AP tasks. Other digital marketplaces have far less complexity with a lot more administrative work because we didn’t have a solution like Tipalti implemented.

Christopher Gonzales

Head of Finance, A.Team

With Tipalti, there are no limitations with scalability—we haven’t had any incremental work going from hundreds to thousands of publishers.

Jason Wechsler

VP Revenue Accounting and Finance Automation, PubMatic

Customer Stories

Explore our customer success stories

The Art of Problem Solving

Art of Problem Solving cut 5 days of manual payment work and shortened monthly close time by 20 days.

Product

Region

Industry

Size

Warp World

For Warp World, trusting Tipalti for payments automation means it can focus on enabling creators to thrive, without the stress of managing payouts.

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Region

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Size

Aragon Advertising

Aragon Advertising cut 20 days of monthly payment ops work, freeing its 20-person team and avoiding the need for extra hires.

Product

Mass Payments

Region

United States, Global

Industry

Affiliates and influencer networks

Size

Sub 100

Legends of Learning

With Tipalti's Mass Payment solution, Legends of Learning has reduced payment processing time from one day to 30 minutes.

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Industry

Size

Symphonic

Symphonic automated royalties for 100K+ clients, paid artists worldwide, and unified all payment methods into one streamlined system.

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Industry

Size

Sovrn

With Tipalti, Sovrn significantly reduced payments workload by 48 days annually, scaled payout operations, and avoided hiring two full-time resources

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Size

The Language Group

The Language Group cut hours of data entry to keystrokes, reduced payment runs from 4× to 1× monthly, and avoided hiring as contractors grew.

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Industry

Size

Matterport

Matterport sped up monthly close by 40% and avoided hiring an additional full-time employee for accounts payable.

Product

AP Automation

Mass Payments

Region

United States, Global

Industry

Software and technology

Size

100 – 1000

A.Team

A.Team shifted focus from admin to growth, scaled payments to builders in 40 countries, and streamlined onboarding with built-in tax compliance.

Product

Mass Payments

Region

United States, Global

Industry

Business services

Size

100 – 1000

Explore All Stories

How It Works

Up and running in weeks, not months

Collaborative customer support with customized onboarding to get you operational quickly

Step 1

Plan

Kickstart your success with a comprehensive initial call to align on goals, scoping, and technical configurations for your setup and to prepare you for training.

Step 2

Configure

Customer onboarding experts configure Tipalti sandbox and production environments, test the hosted payee portal or embedded iFrame, execute sample payment runs, and establish integrations.

Step 3

Deploy

In-depth training on the Tipalti Hub and end-to-end payment automation functionalities will ensure thorough knowledge transfer to turbocharge your successful launch.

Step 4

Adopt

Tipalti supports user adoption and change management during launch with the option to guide payees through onboarding too. Once set, you’ll be ready to fund your Tipalti Virtual Account, execute your first batch of payments, and officially launch Tipalti.

Step 5

Optimize

Following your setup, technical support teams are always available by phone and email, and the Tipalti customer success team will continuously advise you on achieving your goals.

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