Home / Pricing guides / AP Automation and Global Payouts / Tipalti
Pricing guide, AP Automation and Global Payouts
What Tipalti publishes, what it does not, and why the USD 99 floor is not a budget until you hold a full rate card.
The short answer
Tipalti starts at a published USD 99 a month for Accounts Payable and USD 249 for Mass Payments, both with unlimited users and no per-seat fee. At those floors that is USD 1,188 and USD 2,988 a year, or USD 4,176 for both. Transaction fees per invoice and per payment, the base platform fee and FX spread are unpublished and quoted.
Written by Procurement VMS Editorial Team · Reviewed by Michael, Procurement Advisor Expert · Price data dated · 10 minute read
Tipalti publishes floors and not prices. Accounts Payable starts at USD 99 a month and Mass Payments at USD 249, and everything else is quoted. What Tipalti does not charge for is seats, which is the structural difference against per-seat tools such as BILL.
This guide sets out what the published floors cover, what drives the real invoice, and which rate card items to get in writing before you sign.
Prices below were recorded on 17 October 2026. The headline figure is the lowest price you can get for that plan. Check the official page before you buy, because vendors change prices without notice.
From USD 99
per month, platform fee, plus transaction fees
Best for: Finance teams automating invoice capture through to payment
From USD 249
per month, platform fee, plus transaction fees
Best for: Marketplaces, affiliate programs and partner networks paying many payees
Custom
per month, platform fee, plus transaction fees
Best for: Teams extending beyond AP into purchasing, employee expenses or cash management
How billing works
Tipalti publishes floors, not prices. Accounts Payable starts at USD 99 a month and Mass Payments at USD 249, both described as starting points with custom quotes required, and the add-on Procurement, Expenses and Treasury modules carry no published figure. Three things decide the invoice. First, the base platform fee: Tipalti's FAQ confirms one exists but does not state the amount. Second, transaction fees, charged per invoice and per payment, varying by payment method and destination, with no rates published. Third, scope: the number of legal entities, regions, payment methods and integrations drives both the quote and any Professional Services charge above a standard implementation. There are no per-user or per-approver fees, and both published packages include unlimited users.
The tier trap
Procurement, Expenses and Treasury are add-on modules with no published price. The moment your requirement grows past paying invoices you leave the published floors behind and the whole thing becomes a quote.
Read this first. An official Tipalti pricing page was read on 17 October 2026 at tipalti.com/approve/pricing, because the canonical tipalti.com/pricing page could not be fetched. Confidence is medium because Tipalti publishes only starting prices: the base platform fee is confirmed to exist but not quantified, and no transaction rates or FX spread are published anywhere. No buyer-paid benchmark was available. Tipalti charges no per-seat fee, so the unit on this page is invoices per month and not users. The scenario figures are the published floors multiplied by 12 and exclude transaction fees.
Move the slider to see what each plan costs at your size. The figures use the list prices on this page and leave out tax, add-ons and any discount you negotiate.
Tipalti publishes only floors, so this table shows the platform floor times 12 and excludes the fees that vary with volume.
| Scenario | Cost per year | Against the headline |
|---|---|---|
| Accounts Payable at the published floor of USD 99 a month, before transaction fees | USD1,188 | Headline price |
| Mass Payments at the published floor of USD 249 a month, before transaction fees | USD2,988 | +USD 1,800 |
| Both packages at their published floors, before transaction fees | USD4,176 | +USD 2,988 |
Compare the plans side by side. Where a cell says Check page, the vendor's pricing page was not specific enough for us to fill it in.
| Feature | Accounts Payable | Mass Payments | Add on modules |
|---|---|---|---|
| Published starting platform fee | From USD 99 a month | From USD 249 a month | Custom |
| Unlimited users, no per user fee | Check page | Check page | Not published |
| Core automation features | Check page | Check page | Not published |
| Transaction fees charged separately | Per invoice and per payment | Per payment | Not published |
| Standard implementation included | Check page | Check page | Not published |
Features we could not place by plan: Self service supplier portal, Payee portal, Free tier or trial. Check the official page for which plan includes each one.
Pick it if finance automates invoice capture through to payment and wants unlimited approvers.
Pick it if you pay many payees, such as marketplace sellers, affiliates or partners.
Pick them if you extend past AP into purchasing, employee expenses or cash management, and accept a quote.
Our view
Tipalti is built for businesses that pay many suppliers across borders, and the unlimited user model gets better value as the finance team grows. The cost is in volume and payment mix, which are unpublished, so no estimate built on the USD 99 floor alone will be right.
You may be overpaying if
You pay a platform fee for rails you barely use, you scoped modules mid-term at list price, or you never asked for the FX spread on cross-border payments.
Platform fee, per-invoice fee, per-payment fee by rail and by destination, and FX spread. Without all five, you cannot compare Tipalti to anything.
Tipalti charges no per-user or per-approver fee. Price that against per-seat competitors like BILL at USD 49 to USD 89 per user per month.
Procurement, Expenses and Treasury are quote only. Bundle them into the first negotiation and not mid-term at list.
Entities, regions, payment methods and integrations can push you into paid Professional Services. Get the boundary in writing.
Fees vary by payment method and destination. Reducing the number of rails you use is the biggest lever on a volume-based bill.
BILL publishes USD 49 to USD 89 per user per month and a full payment fee schedule, which makes it a useful comparison in front of a Tipalti rep.
Renewal email you can copy
Fill in the brackets and send it about 90 days before the renewal date. It works best next to your renewal tracker.
Subject: Tipalti renewal on [renewal date] Hi [account manager], Our Tipalti [plan] subscription renews on [renewal date]. Over the last 90 days, [active invoices per month] of the [paid invoices per month] we pay for used it. We would like to renew with [target invoices per month] on a [term] term. Before we sign, please send: 1. The current list price and the price you are offering us, line by line. 2. The cap on any price increase at the next renewal. 3. The notice period if we want to cut invoices per month or move to another plan. We are comparing this against [alternative] and plan to decide by [decision date]. If you can offer [target discount] percent off list, or a lower price for a longer term, we are ready to talk this week. Thank you, [name] [company]
Free PDF and Excel
A one page summary of every plan, plus an Excel model that adds up your own seat count.
If this vendor does not fit, these are the closest options and what they charge.
| Alternative | Starting price | Pick it when |
|---|---|---|
| BILL | USD49 per user per month (Essentials) | You have a small AP team and want published seat and payment fees you can model without a sales call Read our BILL pricing guide |
| Ramp | USD0 per user per month (Free plan) | Your volume is domestic and bill pay bundled with cards and expenses is enough Read our Ramp pricing guide |
| Coupa | Custom quote, no published price | You need procurement and sourcing upstream of payables, not just payment automation Read our Coupa pricing guide |
Payables volume grows with the business. The fees that matter scale with it and are visible only on the rate card.
Bottom line. Treat USD 99 as a floor, ask for the full rate card, and compare per-invoice and FX costs against per-seat tools at your real volume. Put modules in the first deal and not at renewal.
Tipalti's published starting prices are USD 99 a month for Accounts Payable and USD 249 a month for Mass Payments, both with unlimited users. Those are floors: a base platform fee, per-invoice fees and per-payment fees apply on top and are not published, so every deal is quoted.
No, and this is its main commercial difference. Both published packages include unlimited users with no per-user or per-approver fee, so cost scales with invoice and payment volume and not headcount. That can beat per-seat tools like BILL as the finance team grows.
No. Tipalti's pricing page states there is no free tier, and no free trial is offered either. The cheapest published entry point is the Accounts Payable package from USD 99 a month, which still requires a custom quote to finalize.
Tipalti does not publish mid-market or enterprise pricing, and both are custom. The quote is driven by invoice and payment volume, legal entities, regions, payment methods and integrations, plus any Professional Services needed above a standard implementation.
No annual discount is published. Because pricing is quoted, the levers are volume commitments, consolidating payment rails, scoping add-on modules into the first deal and bringing a priced BILL comparison to the table.
Ramp's Free plan is USD 0 and includes bill pay if your volume is domestic. For published, modelable AP pricing, BILL starts at USD 49 per user per month on Essentials with ACH at USD 0.59 and mailed checks at USD 1.99, which suits small AP teams better than volume-based pricing.
We start from the vendor pricing page and note the date. Where a figure comes from a third party instead, we say so on the page. Procurement VMS is a ratings and comparison site, not a software vendor, and nobody paid for a place in this guide. Spot a number that has changed? Tell us on the contact page and we will check it.
You get a one page PDF and an Excel model with your seat count, the plans above and a renewal checklist.
Choosing software instead of renewing? See the ranked procurement software list.
