Finance Automation You Can Bank On

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

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.

AI

Experience the power of AI that makes you better, from predictive analytics and insights to making payment processes smarter, more efficient, and less manual.

Global

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

Payment Fraud Protection

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 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

Customer Stories

Don’t just take our word for it,

see what our customers are saying

Create Music Group

Learn how this independent music, distribution, and publishing giant saved critical time by eliminating 36 days of payments work annually.

Create Music Group’s story

Noom

Read how this pioneering health app brought finance entirely in-house and eliminated the need for outsourced accounting help.

Noom’s story

Therabody

Discover how this leading manufacturer of wellness products reduced processing costs and eliminated 60 hours of AP work each month.

Therabody’s story

Vivino

Find out how the world’s largest online wine retailer reimagined its vendor onboarding and approval process, reducing its multi-country, multi-currency payment process from hours to minutes.

Vivino’s story

Realwear

Learn how this AI-powered smartglasses pioneer streamlined its payment workload by 20% and cut its financial close cycle in half.

Realwear’s story

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 setup call that reviews your manual AP workflow, outlines the onboarding plan, validates technical configurations, and prepares for training.

Step 2

Configure

Tipalti’s implementation experts set up your hosted portal, create sample payment files, configure payment options and email integrations, and establish ERP integrations using our pre-built solutions.

Step 3

Deploy

In-depth training for AP staff on the Tipalti Hub and the end-to-end AP automation functionalities, ensuring thorough knowledge transfer to turbocharge your successful launch.

Step 4

Adopt

Support user adoption and change management during launch while guiding suppliers through onboarding. Once set, you’ll be ready to execute your first payment run and officially launch Tipalti.