FAQ | Tipalti.com

FAQ

What payment options are available in each region or country?

Payment options available to a payee are listed under the 'Payment Method' tab presented to the payee when logged in to the payer's system. The table below summarizes the main payment options by geography:

Payment method Countries offered
ACH / Direct Deposit  USA
eCheck 
Global ACH 

Local Bank Transfer
Aland Islands, Australia, Austria, Belgium, Bulgaria, Canada, Cyprus, Czech Republic, Denmark, Dominican Republic, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hong Kong, Hungary, Iceland, Indonesia, India, Ireland, Israel, Italy, Jamaica, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Martinique, Mexico, Monaco, Morocco, Netherlands, New Zealand, Norway, Poland, Portugal, Reunion, Romania, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, Trinidad & Tobago, Tunisia, United Kingdom
Paper Check All  
Wire Transfer  All 

PayPal See PayPal coverage
Cash See coverage

 

Prepaid Debit Cards All 
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How does a payee select a payment method?

The payee navigates to the "Payment Method" tab and selects any of the payment options available in their region. Once entered, a payee can change the method by selecting the "Edit" link at the bottom of the frame. All required fields must be entered and validated by Tipalti's servers before a payment method is accepted. This ensures the information is complete and minimizes the chances of payments being rejected, a costly mistake for payees.
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What are the FX fees?

FX fees are applied when funds are sent in the payee's local currency (other than USD) for the following international payment methods: wire transfer, eCheck / Global ACH / Local Bank Transfer, paper check.

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Are non-US payees required to complete a tax form?

Non-US persons (as defined by the US Internal Revenue Service) are required to complete an online statement to that effect. Generally speaking, non-US persons are people or entities that have no United States activities including, but not limited to, owning a web server/hosting service in the United States, or having employees in the United States providing services that are involved in generating income. Disclaimer: Tipalti does not provide tax advice. Payers and payees should consult their tax advisor to determine tax status and eligibility.

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Who needs to complete a W-9 form?

A US person or company (see IRS definition) is required to complete a W-9 form. Payees complete this form electronically under the 'Tax Forms', 'Prepare W-9' tab.

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What are the fees associated with the payment methods?

Fees are clearly displayed in the "Payment method" tab allowing the payee to chose the most cost efficient method to fit their needs. In addition to the fees listed, all non-USD payments (except PayPal payments) are assessed an FX fee. PayPal FX fees (on withdrawal) are variable up to 3.9% (see PayPal's website for more details). The pros and cons of the various payment methods are listed below.

Payment method Main Attributes
ACH / Direct Deposit  Fast and inexpensive electronic money transfer to the payee bank account. Available in the US.
eCheck
Global ACH

Local Bank Transfer
Fast and most cost-effective electronic money transfer to the payee bank account. Available in 29 countries.
Paper Check  Checks are sent via postal mail and delivery times can be longer. Paper checks are offered in multiple currencies.
Wire Transfer  Funds are transferred directly to the payee bank account. Fastest and most reliable method.
PayPal Funds are transferred to the payee PayPal account. See PayPal's website for information regarding availability of withdrawal in each country.
Cash Funds are transferred by Western Union and can be collected electronically or in person.
Prepaid Debit Cards No bank account required. Prepaid debit card loaded remotely and can be used at any location that accepts MasterCard and Visa.
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