The best Tipalti alternative for efficient, modern AP

You're paying more and getting less. Tipalti charges you for invoices, accounts, wires, even support — and still only covers AP.
Finofo replaces all of it with one platform, one price, and zero surprises.

Why are finance teams switching from Tipalti?

Because it’s not just software — it’s a fee machine.

Setup fee → Just to get in the door
Platform fee → Even before you pay vendors
Invoice fee → $1.50 per invoice to use OCR
FX markup → 2.5% on every conversion
Account fee → $400/month for a second currency
Support → $500/hour post-setup

Tipalti is 8x more expensive than Finofo.
Why overpay for half the stack?

Why are finance teams switching from Tipalti?

Because it’s not just software — it’s a fee machine.

Setup fee → Just to get in the door
Platform fee → Even before you pay vendors
Invoice fee → $1.50 per invoice to use OCR
FX markup → 2.5% on every conversion
Account fee → $400/month for a second currency
Support → $500/hour post-setup

That’s not a platform. That’s a profit center — and not for you.

Tipalti is 8x more expensive than Finofo.
Why overpay for half the stack?

The difference is in the details

Tipalti adds 2.5% to every conversion.
That’s not a fee — that’s strategy (just not for your benefit).
Finofo gives you the same rails, same capabilities, without the markup tax.
Features
Tipalti
Finofo
Accounts Payable automation
Yes, but complex to build and scale
Yes, but complex to build and scale
Approval workflows
Available, but not intuitive or easy to customize
Yes, fully customized, easy to build
Multi-currency accounts access
Yes, at an added cost of $400 per month per currency per entity
Yes, instantly open and hold global accounts at no extra charge
International receivables accounts
Not supported
Receive payments locally in 25+ currencies with no incoming wire fees
Multi-entity treasury and real-time transfers
Not supported
Fixed and transparent FX fees
FX spread
High spread
Fixed and transparent FX fees
Pricing
High subscription fees plus usage based pricing
Flat transparent pricing
Transaction fees
$1.50–$1.99 per invoice
$0.70 Domestic ACH
$3.5 International ACH
$15–$25 per wire transfer
Invoice uploads are free in QBO’s base plan, but paid in Tipalti.
Invoice processing: free (forever)
$1 for any ACH
$10 per wire transfer
Implementation fee and support
High one-time setup fees with limited support. Post purchase support costs $500 per hour
Free personalized onboarding + responsive post-purchase support included without any additional cost
Time to go live
Weeks, often delayed
Plug-and-play platform built to go live in days

The difference is in the details

Did you know Tipalti adds 2.5% to every currency conversion?
That’s not a small fee. That’s a strategy.
Features
Tipalti
Finofo
Accounts Payable automation
Yes, but complex to build and scale
Yes, but complex to build and scale
Approval workflows
Available, but not intuitive or easy to customize
Yes, fully customized, easy to build
Multi-currency accounts access
Yes, at an added cost of $400 per month per currency per entity
Yes, instantly open and hold global accounts at no extra charge
Global receivables accounts
Not supported
Receive payments locally in 45+ currencies with no incoming wire fees
Multi-entity
Not supported
Fixed and transparent FX fees
FX spread
High spread
Fixed and transparent FX fees
Pricing
High monthly fees plus usage based pricing
Flat transparent pricing
Payment fees
$1.50–$1.99 per invoice upload.
High payment fees
Invoice processing is free
$1 any ACH
$10 per wire transfer
Set up fee and support
>$5,000 Post purchase support costs $500 per hour
Free personalized onboarding + responsive post-purchase support included without any additional cost
Go live time
Weeks, often delayed
Plug-and-play platform built to go live in days

How Finofo is helping finance teams

AP automation without added fees

Automate approvals, uploads, and global payments — without per-invoice charges. Finofo gives you the same AP features, minus the markup.

Global receivables, built-in

Collect payments like a local in 25+ currencies with no incoming wire fees.One platform to accelerate international receivables.

Multi-currency treasury control

Open and hold multi-currency accounts for free, convert funds instantly, and monitor cash across all entities.Your treasury, centralized and flexible.

Real-time intercompany transfers

Move funds for free across entities in any currency in seconds with complete control and visibility.

Real stories. Real results. See what our customers are saying

“As a cross-border organization, we’ve always juggled multiple accounts at a variety of institutions, which was painful and frustrating to keep track of. Switching to Finofo was incredibly easy with the support from their team and easy-to-use dashboard. We have already been able to cut down on our bank accounts, while still moving funds the way we need. We look forward to growing with the Finofo team.”

Allison Hall

COO at Truss Payments

“We chose to transition to Finofo for its seamless vendor payment process particularly for international transactions. Since then, we’ve also utilized Finofo’s currency conversion and charge card features. The onboarding experience was smooth, the platform is exceptionally user-friendly, and we have no regrets making the switch. We look forward to continuing to use Finofo for our payment needs.”

Andrea Burton

Director of Finance at Delphia

“Finofo has given us a better option for making international payments to vendors in the USA and China. Prior to Finofo, we were stuck paying international payments with visa credit cards that charged unfavorable exchange fees. We’ve utilized the platform to reduce the amount of exchange fees paid, AND negotiate better terms with vendors because we’re paying through SWIFT. This has reduced our international purchasing costs by about 2%”

Tyler Sieben

Co-Founder at Evalence Renewables

“The transition to Finofo was seamless and efficient. The support team was incredibly responsive and helpful, ensuring that our migration process was smooth and without any disruptions to our operations. The user-friendly interface and robust features have significantly enhanced our productivity. Highly recommend Finofo to any business looking for a reliable and efficient financial solution.”

Mark Evans

GM SHAC Solutions Inc.

Designed with security and compliance at the forefront

We take security seriously. Maintain SOX & COSO compliance with precise audit logs tracking every transaction, everywhere. With fraud detection, MFA, SSO, and enterprise-grade encryption, finance teams stay secure, compliant, and in control.