Tipalti Pricing: Overview of Fees and Plans (UK - 2026)

If you're running a UK business and evaluating accounts payable software, Tipalti is might be on your shortlist. Tipalti pricing and plans vary depending on the product you need, the size of your operation, and whether you require international payment capabilities.

This guide explains Tipalti's current UK pricing structure, including transaction fees, FX costs, and key features, in a clear way. It also looks at Wise Business as an option for managing international payments, which can help you receive, hold, and convert funds across multiple currencies more seamlessly.

💡 Learn more about Wise Business

What is Tipalti?

Tipalti is a finance automation platform that helps businesses streamline accounts payable, mass payments, procurement, and expense management in one place. It's designed primarily for mid-sized and enterprise companies looking to reduce manual work in their finance operations.¹

The platform supports payments to 200+ countries in 120 currencies using six international payment methods.²

Tipalti plans for accounts payable

Tipalti's AP product is split into three tiers. Each includes unlimited user access and scales with your needs. Let's check out the key differences between each pricing plan:¹

Select (£99/month)

Best for small teams getting started with automation

• Supplier self-onboarding portal
• Invoice processing with AI Smart Scan
• VAT ID collection and validation
• ERP integrations
• Tipalti virtual cards

Advanced (£199/month)

Adds more control and scalability

• Everything in Select, plus:
• 2- and 3-way PO matching
• Flexible bill approval workflows
• Multi-entity support (domestic)

Elevate (Custom pricing)

Built for more complex operations

• Includes all Advanced features
• Custom infrastructure and workflows
• Designed for high-volume, global finance teams

Take a look at the table below to see a quick summary of each plan and its features:

Tipalti plans and features for mass payments

Tipalti also provides dedicated plans for businesses that need to handle high-volume payouts. These are designed for mass payouts, such as paying contractors, affiliates, creators, or suppliers at scale.¹

Now, let's see the key differences between each mass payout plan:

Accelerate (Custom pricing)

Best for businesses getting started with global payouts

• Pay contractors, affiliates, and creators in 200+ countries
• 50+ payment methods and 120+ currencies
• Customisable payee onboarding
• API access and ERP integrations
• Multi-entity and multi-currency support

Plus (Custom pricing)

Adds more control, security, and financial tools. You get access to everything in Accelerate, plus:

• Built-in fraud monitoring (Tipalti Detect®)
• Self-billing with payee approvals
• FX hedging options to manage currency risk
• Priority customer support

Additional platform capabilities:

• Mass payment scheduling and reconciliation
• API access for custom workflows
• Scalability for multi-entity and global operations
• AI-enhanced reporting and automation (varies by plan)

Both mass payment plans use custom pricing, so there'sthere’s no fixed monthly fee. You'll need to contact Tipalti's sales team to analyse your business size, payment volume, and requirements. They can then give an exact quote.

How much does Tipalti charge?

Beyond the monthly platform fee, Tipalti charges per-transaction fees that vary by payment method. While Tipalti doesn’t publish these fees publicly, third-party sources suggest the following ranges:⁵

Some plans may also include implementation fees.⁵ Exact costs depend on your contract terms, transaction volume, and the features you select.

Tipalti pricing is typically billed in USD, though this may vary by contract and region. Some plans may also include implementation fees. Exact costs depend on your agreement, transaction volume, and selected features.

What is the FX fee on Tipalti?

When a payment requires currency conversion, Tipalti applies an FX fee on top of its wholesale exchange rate.³ Tipalti does not publish standard FX fees. Its pricing is typically customised based on factors like transaction volume, currencies, and your commercial agreement.

Some third-party sources suggest FX fees may decrease with higher transaction values, but these figures are indicative only and not officially confirmed. Always request a quote from Tipalti to understand the exact FX margin applied to your business.

Tipalti applies foreign exchange (FX) fees when currency conversion is required. Although the exact rates aren't publicly listed, they typically decrease as transaction value increases.

Tipalti pricing is generally quoted in USD on its US site, though the billing currency may vary by region and contract.

Moreover, who pays the FX fee depends on three factors: the bill currency, the payee's chosen currency, and your virtual account currency.³

• No FX fee: The bill, payee's currency, and your virtual account are all the same currency.
• Payer pays: The bill and payee's currency match, but you don't hold a virtual account in that currency.
• Payee pays: The bill and your virtual account match, but the payee wants to receive in a different currency. The fee is deducted from the payment before conversion.

Currently, payers cannot absorb payee FX fees. Though Tipalti has indicated this may change in the future.³

Is Tipalti safe?

Tipalti Europe Ltd uses several layers of protection:⁶⁷

• Two-Factor Authentication (TFA) for payee access
• SSL encryption for the payer dashboard
• Role-based access controls with granular permissions
• Tipalti Detect® fraud monitoring module

On Trustpilot, Tipalti has 91 reviews with a 3.5/5 rating.⁴

Positive reviews tend to highlight the platform's automation capabilities and customer support. Negative reviews cite payment delays and high transaction fees.

As with any payment platform, it’s advisable to speak with existing customers or request references before committing.

How do you get paid through Tipalti?

If you're a payee, a contractor, freelancer, supplier, or affiliate, the process works like this:

1. You'll receive an invitation to register on the payer's Tipalti portal (Supplier Hub or a branded iFrame embedded on their website).
2. You select your preferred payment method. Options typically include bank transfer, wire, PayPal, or cheque.
3. You enter your banking or payment details.
4. Payments are processed according to the payer's schedule.
5. Track your payments anytime through the portal.

The portal supports multiple languages, which helps if you're receiving payments from a UK company but are based elsewhere.

What is the minimum payment on Tipalti?

There's no universal minimum payment amount on Tipalti. Instead, the payer (the business using Tipalti) can configure minimum payment thresholds within their account settings.

• If a payment falls below this threshold, it may be held and combined with future payments until the minimum is met. This helps the payer reduce per-transaction costs.
• If you're a payee and notice a delayed payment, it’s worth checking with the payer to see whether a minimum payment threshold applies.

Tipalti international payments: how they work

Tipalti supports payments to 200+ countries in 120+ currencies through six international payment methods.² For UK businesses, this typically includes Faster Payments, SEPA, international wire transfers, Global ACH, and PayPal.

On the Advanced and Elevate AP plans (or both mass payment plans), you can manage multi-currency funds and pay suppliers in their local currency.¹ The Elevate and Plus tiers include FX hedging, which can help manage exchange rate risk for larger or recurring payments.

If your primary need is sending international payments rather than full AP automation, you might find a more streamlined option that suits your business.

Manage your international business with Wise

If you’re looking for an easy, flexible and budget friendly way to manage foreign currency payments in and out of your business, take a look at Wise Business. It's also a great tool for managing your everyday domestic payments. Wise Business lets you send payments globally to 140+ countries, with handy time saving tools like multi-user access, batch payments, accounting integrations, and access to the Wise API as a standard feature.

Wise accounts support 40+ currencies for holding and exchange, with no ongoing fees or subscription charges. When you need to convert between currencies - either in your account, to make a withdrawal, or to send money to others - you get the mid-market exchange rate with low fees from 0.33%. This can bring down the costs of managing money across currencies, and make growing your business globally more profitable.

With Wise Business, you can:

• 🌍 Send money to 140+ countries at the mid-market exchange rate with no hidden fees or sneaky exchange rate markups (product availability varies by region)
• 📥 Receive payments in 24 currencies and counting
• 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
• 💰 Hold money in 40+ currencies
• 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
• ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
• 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
• 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation
• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
• 📑 Create custom professional invoices and schedule invoice payments for future dates
• 📈 Earn returns on GBP, USD and EUR with Wise Interest (Capital at risk, growth not guaranteed. Your money is at risk if governments default or interest rates go negative. Visit https://wise.com/gb/interest/ to find out more)
• 🔗 Create payment links and QR codes to get paid easily
• ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)

Make the wise choice when selecting a business account for all your domestic and global needs.

Be Smart, Get Wise.

Register for Wise Business ✍️

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Investments can fluctuate, and your capital is at risk. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.

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Tipalti could be a good choice if you’re looking for ways to manage your business payables, expenses and procurement processes. With customisable packages, Tipalti can appeal to businesses large and small, as you’ll be able to build a plan with the features you need based on your company type. Take a look at what Tipalti can offer you, and check out Wise Business at the same time, for easy, low cost ways to manage your company finances across borders.

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Tipalti pricing FAQ

How much does Tipalti charge?

Tipalti's AP plans start at £99/month (Select) and £199/month (Advanced), with custom pricing for Elevate.¹ Mass payment plans (Accelerate and Plus) are custom-priced. Per-transaction fees apply in addition to the platform subscription⁵.

How do you get paid through Tipalti?

Payees register on the payer's Tipalti portal, choose a payment method, and enter their details. Payments are processed on the payer's schedule and can be tracked through the portal.¹

What is the minimum payment on Tipalti?

There's no universal minimum. Payers can set minimum payment thresholds, and smaller amounts may be batched until the threshold is met.

Does Tipalti charge FX fees?

Yes. Tipalti applies foreign exchange (FX) fees when currency conversion is required. The exact rate varies depending on the transaction size and currencies involved.³

*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

Sources used:

1. Tipalti UK Pricing
2. Tipalti Global Payments
3. Tipalti Help Centre — How do FX Fees work?
4. Tipalti Trustpilot
5. Routable — Tipalti Fees & Pricing (third-party, approximate data)
6. Two Factor Authentication FAQs
7. Tipalti Payment Fraud Detection

Sources checked 30 March 2026.