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.
See Finofo in action

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 - Modern AP automation, designed for growing finance teams
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 - Modern AP automation, designed for growing finance teams
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.

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.
Learn more about Finofo security
Features
Accounts PayableDocument Hub3 Way PO MatchingCollaborationApproval WorkflowsBulk PaymentsGlobal ReceivablesCurrency ConversionsTreasury ManagementIntegrationsSecurity
Resources
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Solutions
Manufacturing Software E-commerceCFOControllerAccounts Payable
Tools
Savings CalculatorFX Markup / Spread Analysis ToolBank Coordinates CheckerSend Money InternationallyGlobal ReceivablesExchange Rates ListBranded Invoice Generator
Comparison
Finofo vs Bill.comFinofo vs TipaltiFinofo vs StampliFinofo vs AvidXchangeFinofo vs YoozFinofo vs QuadientFinofo vs WiseFinofo vs BanksFinofo vs Corpay
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