The Best Tipalti Competitors and Alternatives (2023)

Mike Renaldi

Dealing with your accounts payables (AP) can be a challenge, but Tipalti makes it less stressful by simplifying payment operations. But what if you’re looking for features that Tipalti doesn’t have or think there’s a better option out there for your business?

This article will go through some Tipalti alternatives, one of them being Wise Business, renowned for its amazing support for international businesses. Stick with us as we look deeper into these service providers and what makes them unique.

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1. Wise Business

Wise Business stands out with its unique capabilities that let you receive payments for free in nine different currencies and send money overseas at the mid-market rate. With features like batch payments and the convenience of automating payments through their API, Wise Business has upped the ante for international businesses.


  • Multi-currency debit card.
  • Hold and manage money in over 40 currencies.
  • Integration capabilities with accounting tools.


After a one-time fee, you’ll get access to local account details in 9 currencies. Otherwise, Wise Business works on a transparent, pay-as-you-use structure. For example, fees for currency conversions and sending money start at 0.43%.

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2. Stampli

Stampli is an accounts payable automation solution that transforms invoice management through its interactive approach. Designed to streamline AP operations, it adopts a collaborative platform, so businesses have more visibility, efficiency, and control.


  • Advanced AI technology - Billy the Bot for automation, pattern learning, and more.
  • Collaborative invoice management.
  • Advanced reporting and analytics.


Stampli’s pricing isn’t publicly disclosed on their website, but they offer a free demo, as well as monthly and annual plans.²


If you’re searching for a financial solution for managing both accounts receivable (AR) and payable, BILL could be a sound choice. The all-in-one platform accommodates businesses across various industries and even comes with a credit and expense management solution.


  • Automated accounts payable and receivable
  • Approval workflow customization
  • Financial document management


Pricing depends on whether you want to pay bills, get paid, or both. If you want the whole package, the Corporate plan is priced at $79/user/month. For businesses just looking for one or the other, the Essentials plan is $45/user/month, and the Team plan is $55/user/month.³ 


4. MineralTree

MineralTree is an end-to-end AP automation solution offering integrated invoice-to-pay solutions. Businesses can automate repetitive tasks and ensure secure, fraud-free transactions at scale.


  • Make payments for free and earn rebates with MineralTree Virtual Card Payment.
  • Out-of-the-box integrations with Oracle products, Sage, Quickbooks, and more.
  • Payment tokenization.


Pricing isn’t openly available on MineralTree, but you can request a demo or contact the company for more information.

5. Veem

Veem is a global money transfer platform designed to give businesses simplified, secure, and cost-effective payment solutions. You can pay domestically and internationally, use mass pay, and request payments through multi-currency invoices and Pay Links.


  • Multi-Rail Technology - automatically chooses the fastest, cheapest way to transfer funds.
  • Full-feature dashboard with real-time tracking.
  • Locked exchange rates for better cash flow.


There are two plans available: the free Basic Plan and the Premium Plan for $14.99/month.⁴

6. Invoiced

Invoiced specializes in business-to-business (B2B) accounts receivable automation. With its innovative approach, Invoiced aims at simplifying and speeding up the invoice-to-cash cycle, enhancing financial operations for businesses.


  • Subscription billing - reminding customers and automating invoice generation.
  • Installment plans for manageable payments.
  • Customer portals to view invoices, make payments, and communicate with businesses.


For small businesses, the accounts receivable solution comes at $39/month per user, while the accounts payable solution is priced at $29/month per user. For midsize businesses, the accounts payable solution is $49/month per user. All other pricing for midsize and enterprise businesses requires you to contact Invoiced.⁵ ⁶

7. Billtrust

While most AR/AP companies focus on a few set industries, Billtrust uniquely offers solutions both by role and by industry (specifically transportation, industrial supply, and the like). The Billtrust suite helps businesses automate the entire order-to-cash cycle in order to keep cash flowing and costs in check.


  • Payment cycle management.
  • Billtrust eCommerce solution to build optimized storefronts.
  • Billtrust Credit Application to automate credit solution functions.


Billtrust requires businesses to schedule a Discovery Call to help figure out if their solutions are a good fit for your AR requirements.


8. Airwallex

Airwallex is another digital platform that focuses primarily on international transactions. It removes the complexities and borders from business finance so businesses can manage money more efficiently and effectively wherever they are.


  • Connect with existing eCommerce platforms.
  • Accept a wide range of popular local and global payment methods, including WeChat Pay, Apple Pay, Visa, iDEAL, and more.
  • Full-stack local card issuing in 36+ countries.


Global accounts with Airwallex are free, but business accounts may come with other costs. Airwallex uses a pay-as-you-use pricing format like Wise, but SWIFT transfers come with an extra cost of 15 - 25 USD, and currency conversions come at a percentage above the interbank exchange rate.⁷ 

9. Skrill

Skrill, an exciting player in the digital wallet landscape, is a unique platform favored by those interested in online sports betting. Their Business option, on the other hand, enables fast and secure payment solutions like hosted checkout, shopping carts, and rapid transfer.


  • Cryptotrading.
  • Shopping carts with worldwide coverage and over 100 local payment options.
  • Skrill 1-Tap for repeat payments.


The Skrill Account is free to use, provided that you make one transaction every 12 months (otherwise, a service fee of $5 will be taken from your account). Receiving and sending money is free, but foreign exchange fees are up to 3.99% in addition to the currency conversion.⁸ 

10. Payoneer

Payoneer is a popular financial services company that provides online money transfer and digital payment services across borders. It's especially popular among freelancers and businesses, offering solutions to move money easily and effectively.


  • Billing service to request payments directly from clients.
  • Integrated with platforms like Fiverr, Upwork, and Airbnb for freelance work.
  • Ecommerce support to receive payments from popular marketplaces like Wish and Amazon.


Opening up a Payoneer account is free, but you’ll be charged fees when you make payments or request payments. For many currencies, transactions between Payoneer accounts are free. If you’re paying a non-Payoneer customer, you’ll be charged the exchange rate and up to 2% of the transaction amount. Receiving payments by credit card will also incur a 3% charge, for example.⁹

Wise Business: A Low-Cost Account for your Company

Here's a few things that Wise Business users can tap into.

Some other features Wise Business users love
Make purchases or pay your international team at low rates (as low as 0.43%)
Get paid without the fees in GBP, USD, EUR, AUD, CAD after a one-time fee
Account Software Integration: QuickBooks, Xero, Sage, and Wave
Batch payments offer the chance to send up to 1000 invoices in a single click
The Most International Account: Hold 40+ currencies at once
Transparency: Wise Business is trying to get rid of all your business account fees
Most importantly, if you're sending international payouts, then Wise could help. We offer the mid-market exchange and transparent costs, which has attracted over 16 million users to hold, receive, and send money with Wise and save along the way

Looking to handle your global business at low cost?

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This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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