What are mass payouts?

Mass payouts, also known as mass payments, batch payments, or bulk payments, are used by organizations to pay multiple recipients simultaneously in a single batch, regardless of the payee’s location, currency, or payment method. Mass payment processing solutions like Tipalti help organizations save time, money, and resources by expediting the payment process. Payment information can be communicated for mass payouts either through a mass payments API or file upload. Depending on a company’s infrastructure, batch payment processing solutions may need to be integrated with performance marketing systems to tie analytics to mass payments. Integrations with ERPs and accounting systems also facilitate payment reconciliation and reporting.

What global payment methods does Tipalti support?

Tipalti’s global payout platform enhances the effectiveness of cross-border payments to 200 countries and territories in 120+ currencies, using 50+ payment methods. It supports: Local bank transfers: SEPA payments (Europe), BACS payments (UK), EFT payments (Canada) and other bank transfers via local networks Global ACH, also known as International ACH or IACH PayPal: payments to PayPal eWallets Wire transfer: SWIFT payments Domestic payment methods in the US include ACH and paper checks

What are payout APIs?

Payout APIs (aka payment APIs or accounting APIs) distribute mass payments to recipients such as contractors, freelancers, affiliates, publishers, and suppliers. The most common functions of payment APIs include: Mass payouts: Disburse payments to multiple payees or recipients at once. Automatic payouts: Automate the payout process, ensuring that payments are disbursed on a predetermined schedule. Payment status: Provide businesses with real-time information on payment status, like the amount paid, date, and payment method. Payment reconciliation: Reconcile payments within your accounting system, ensuring accurate financial reporting. Compliance: Comply with regulatory requirements, such as Know Your Customer (KYC) and Anti-Money Laundering (AML).

Why is global payment processing important?

When international payees seek a flexible payment experience, a business may need multiple global payment methods. Efficient global payment processing means payees receive their money on time, in their local currency, using a preferred method. The best international payment methods depend on location and expectations. Each payment type has benefits and drawbacks that impact the satisfaction of payment recipients and the team's workload. Offering a wealth of global payment processing methods makes a payee's comfort and security a priority. Mass payment platforms like Tipalti enable thousands of payments in minutes while the payer complies with tax and regulatory obligations.

How does Tipalti support online marketplaces?

Tipalti supports online marketplaces in a variety of ways, including: Payee onboarding: payment method selection, banking and tax information collection and validation, custom branded experience. Fraud and risk controls: tax ID validation, OFAC, and sanctions list screening of all payees. Vendor payout processing: payment approval workflows, multiple payment methods, currency, and payment thresholds. Payment reconciliation: real-time reporting on past and pending transactions and audit trails of all transactions. Manageable infrastructure: updates for changing bank dynamics, ongoing diligence on tax and regulatory compliance issues, integration to ERP, accounting, and GL systems. Automating online marketplace payments requires a comprehensive approach covering the entire payout engagement span.

What are the best ways to pay freelancers and independent contractors?

The more freelancers you hire, the more complexity there is in freelancer payments. Tools like Tipalti centralize payment methods and terms (with minimum payment thresholds) in a single platform for easy contractor payouts. It also offers fee-splitting capabilities to incentivize contractors to use the most cost-effective payment methods. Need to pay people abroad? Tipalti offers FX conversion payouts with highly competitive exchange rates. Tipalti simplifies 1099 payment processing and digitally collects and validates W-9 and W-8 tax forms, as well as TINs. You can generate 1099 and 1042-S preparation reports and simplify annual 1099 filing with Tipalti’s e-filing service or e-filing integrations.

Can you use PayPal for mass payments?

Yes, Tipalti offers PayPal mass payment. With Tipalti, you can schedule bulk payments using 50+ payment methods, including US ACH, global ACH, wire transfer, PayPal, and paper check, to 200 countries and territories and in 120 currencies. Tipalti has a PayPal “mass transaction” (MT) license for PayPal mass pay or PayPal bulk payments. This removes restrictions around payment and funding limits, provides access to more favorable FX rates and payment speeds, and allows Tipalti customer service and support to troubleshoot any PayPal payment issues. PayPal’s “account direction” (AD) model uses a payer’s existing PayPal account to facilitate PayPal mass payment, foregoing the benefits listed above.

How does Tipalti support affiliate marketing management?

Tipalti helps you provide a best-in-class affiliate payout experience with self-service affiliate payment and tax onboarding, verification of identity and fraud protection, choice of preferred payment methods and currencies, and complete visibility into payment statuses. The best way to track the performance of your affiliate network is by using a performance marketing platform. These systems have affiliate marketing management capabilities that include partnership management, performance tracking, attribution, and analytics. Tipalti integrates with performance marketing systems (like Everflow, Cake, and Linktrust) to directly tie analytics and data to affiliate payments and to provide visibility into the performance-to-pay lifecycle. In addition to affiliate payouts, you can also sync onboarding data, such as bank and tax information, from publishers, affiliates, influencers, creators, or other affiliate network partners.

Can you automate influencer payments?

Yes, you can. Tipalti streamlines influencer payments by offering a choice of payment methods and currencies in our influencer payment platform. Wondering how much to pay them? Take the guesswork out with Tipalti’s Online Influencer Payment Calculator. Influencers can get paid via PayPal, global ACH, and more. The self-service onboarding experience is white-label, so your brand takes center stage. Tipalti also offers a guided digital tax form collection process during onboarding, validation of payment and tax details, verification of identity and fraud protection, and visibility into influencer payment statuses.

How does Tipalti help mitigate foreign exchange risk?

Tipalti offers several advanced solutions, like FX hedging, to reduce foreign exchange risk. It gives you access to live foreign exchange rates and full transparency to track currency conversion statuses. Avoid expensive, complex, and tedious bank conversion and transfer processes across multiple bank accounts by enabling self-service execution of transfers through Tipalti. Get highly competitive rates for conversions that leverage Tipalti’s $60B+ of throughput on our platform annually and support for over 120 currencies. Tipalti eliminates the need to maintain regional bank accounts solely for payouts and provides one central virtual account to manage payments across all subsidiaries, currencies, and payment methods.

What are royalty payments in accounting?

Royalty payments are received through license agreements or royalty agreements that compensate owners for the use of their intellectual property, creative works, and more. Since royalty payments are made to many payees at once, using a system for mass payment automation is essential. This is especially critical for companies that deal with digital creative services like song or music royalties, book publishing royalties, or digital content and social media influencers. Streamlining the royalty payment process with global payment automation software significantly increases business efficiency.

What is an international wire transfer?

An international wire transfer (cross-border or global payment) is a financial transaction involving multiple parties and is typically made through the SWIFT network. International wire transfers require information like: Recipient’s contact and bank contact data Payment amount SWIFT or BIC code Recipient’s routing number Recipient’s account number and type When banks don’t have an established relationship, intermediary banks play a crucial role. An intermediary bank is required when making global transfers between the originator and beneficiary banks. What are the real-time costs involved in sending money overseas? Tipalti’s International Wire Transfer Fee Calculator can help you determine more accurate costs.

Global ACH is also referred to as an international Automated Clearing House (ACH) transfer. ACH handles transactions in the United States, while a global ACH involves a financial agency outside of America. The US National Automated Clearing House Network (NACHA) typically manages an international ACH transfer in Europe. It’s the Single Euro Payments Area (SEPA) and consists of 35 participating countries (with specific exclusions). Each payment rail differs in its transactions based on the payment type, speed, technology, or geographical location.

What is a local bank transfer?

A local bank transfer is a method of electronically moving money from one bank account to another within the same country or region. It can also be used for international transactions, where funds are deposited into a foreign bank account. This process is also referred to as an international ACH or Global ACH, allowing for efficient and secure cross-border payments. The process by which local bank transfer payments are made varies from country to country.

Global Mass Payments, Simplified for Your

Creators
Artists
Influencers
Affiliates
Publishers
Streamers

Tipalti Mass Payments integrates seamlessly into your tech stack, turning complex global payouts processes into smooth workflows that upgrade your payee experience, automate tax compliance, and scale as you grow.

Mass Payments Automation Features

Tipalti Mass Payments: Built for Scale

Scalable Global Payouts

Branded, Self-Service Payee Experience

Built-In Tax Compliance and Risk Protection

Seamless Integration With Your Tech Stack

Scalable Cross-Border Payments and Currency Management

We take the hassle out of cross-border payouts. Pay anyone, anywhere with built-in exchange rate management, support for alternative payment methods, and real-time data synced to your core systems. Backed by leading financial institutions and full regulatory licensing, Tipalti delivers the payment security and reliability you expect. It’s a global payment system built to scale fast, increase transaction speed, simplify financial management, and keep payees happy, all in one place.

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Explore Currency Management

A payments dashboard showing transactions with flags indicating country origin, statuses like "Paid," "Pending," and "Risk Review," and payment icons (Visa, Mastercard) with amounts in various currencies.

A digital payment interface showing a transaction to Esther Howard for €198.05 via bank deposit. The payee balance is €198.05. Payment methods include bank deposit, card, and check.

Branded Payee Portal. Better Payee Experience.

Make the payee experience simpler at every step. With Tipalti, payees can onboard themselves, manage payments, track payouts, and submit tax info through a branded portal that mirrors your look and feel. It’s smarter, smoother payments technology built for cross-border payouts, real-time reporting, and stronger payment security. And it’s ready to support your expanding products and services ecosystem.

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Built-In Tax Compliance for Peace of Mind

Protect every payment with built-in tax compliance, fraud prevention, and platform security. Tipalti’s KPMG-approved tax engine supports W-9, W-8, VAT, SIN, BN, and DAC7 reporting—helping you stay ahead of evolving requirements. With real-time blacklist screening, GDPR-certified data practices, and secure payment gateways, you can strengthen cross-border finance operations without slowing down or adding complexity to your payments solutions.

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We’re Not Just Plugged in, We’re Part of Your Business

Use Tipalti’s RESTful APIs, branded iFrame, and pre-built connections to ERPs, performance tools, and distribution platforms to build smarter integrations. From bulk payments and real-time payment tracking to payment reconciliation, Tipalti streamlines and simplifies cross-border operations and global payment systems without adding complexity to your payment services.

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Self-Billing Invoice and Approval Processes

Tipalti’s invoiceless self-billing generates itemized digital invoices on behalf of your payees. Each invoice moves through configurable approval workflows, supports cross-border transactions, and syncs to your ERP for easy payment reconciliation. It’s smarter payment processing that saves time, boosts cost efficiency, and gives you stronger control across your operations.

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A grid showing three payment notifications. One payment of ₹8,906, one payment of €198.05, and one payment of $134.16.

Built-In Risk Protection

Every payment is screened against OFAC, EU, and HMC blacklists before it’s processed. Behind the scenes, Tipalti’s enterprise-grade platform continuously monitors for fraud, flags suspicious activity, and blocks high-risk payees. Sensitive data is encrypted, and meets top global standards like GDPR, SSAE 16 SOC, and ISAE 3402. With 20+ role-based permissions, SSO, MFA, and IP restrictions, you’re in full control, backed by strong internal safeguards like separation of duties and payee update approvals.

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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.

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Customer Stories

Don’t just take our word for it,

see what our customers are saying

Aragon Advertising

Aragon Advertising cut 20 days of monthly payment ops work, freeing its 20-person team and avoiding the need for extra hires.

Product

Mass Payments

Region

United States, Global

Industry

Affiliates and influencer networks

Size

Sub 100

PubMatic

PubMatic streamlined global mass payments, cut processing time to 3 minutes, and enhanced operations with a robust NetSuite ERP integration.

Product

AP Automation

Mass Payments

Procurement

Region

United States, Global

Industry

AdTech

Size

100 – 1000

Matterport

Matterport sped up monthly close by 40% and avoided hiring an additional full-time employee for accounts payable.

Product

AP Automation

Mass Payments

Region

United States, Global

Industry

Software and technology

Size

100 – 1000

Smartshoot

SmartShoot saved 24 days/year on payouts, eliminated tax penalty risks, and freed finance to focus on strategic growth.

Product

Region

Industry

Size

Symphonic

Symphonic automated royalties for 100K+ clients, paid artists worldwide, and unified all payment methods into one streamlined system.

Product

Region

Industry

Size

DriveTime

With Tipalti, DriveTime has been able to accelerate its financial close process by 67%—from three business days to one.

Product

Region

Industry

Size

Freestar

Freestar saved a week monthly on payouts, improved controls, ensured tax compliance, and avoided hiring 2 extra team members.

Product

Region

Industry

Size

Sovrn

With Tipalti, Sovrn significantly reduced payments workload by 48 days annually, scaled payout operations, and avoided hiring two full-time resources

Product

Region

Industry

Size

Tapjoy

Tapjoy cut payment workload by over 50% and boosted developer satisfaction with timely, flexible payment options.

Product

Mass Payments

Region

United States, Global

Industry

AdTech

Size

100 – 1000

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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 initial call to align on goals, scoping, and technical configurations for your setup and to prepare you for training.

Step 2

Configure

Customer onboarding experts configure Tipalti sandbox and production environments, test the hosted payee portal or embedded iFrame, execute sample payment runs, and establish integrations.

Step 3

Deploy

In-depth training on the Tipalti Hub and end-to-end payment automation functionalities will ensure thorough knowledge transfer to turbocharge your successful launch.

Step 4

Adopt

Tipalti supports user adoption and change management during launch with the option to guide payees through onboarding too. Once set, you’ll be ready to fund your Tipalti Virtual Account, execute your first batch of payments, and officially launch Tipalti.

Step 5

Optimize

Following your setup, technical support teams are always available by phone and email, and the Tipalti customer success team will continuously advise you on achieving your goals.

Compare

See how we stack up

Features	Payoneer	PayPal	Trolley
Tax Compliance End-to-end global compliance from tax ID collection and validation through to year-end reporting and eFiling	Limited functionality
Payments Network Send payments around the world in a variety of methods and currencies from a globally licensed and regulated platform	Limited functionality	Limited functionality	Limited functionality
Fraud Prevention AML monitoring, OFAC screening on every payment, fraud detection, full payment audit trails		Limited functionality
FX Solution Payee and payer FX. Manage FX transfers between different currency accounts. Mitigate risk with FX hedging	Limited functionality	Limited functionality	Limited functionality
Prebuilt Integrations Pre-built connections to performance marketing systems and ERPs	Limited functionality	Limited functionality	Limited functionality
Developer Tools APIs for custom integrations supported by documentation and a developer hub
Self-Billing Automated invoice creation and approval workflows when invoices are required			Limited functionality
Multi-Entity Manage individual subsidiaries with independent brands, onboarding, tax, payment workflows
Finance Automation A single solution for mission-critical payouts plus back office financial workflows – AP, procurement, cards and expenses	Limited functionality
Payee Management Branded onboarding experience, choice of payment methods, payment data validations, full payment visibility	Limited functionality	Limited functionality