Tipalti
Tipalti is a AP automation / mass-payout virtual cards issued on Mastercard, rated 5.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Tipalti is the strongest fit for general use, and asks for business KYC at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Tipalti · AP automation / mass-payout virtual cards |
| Official site | https://www.tipalti.com |
| Best for | General use |
| Network | Mastercard |
| Rating | 5.4/10 (2.5★, 544 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Varies (unlimited cards at no additional cost) |
| Monthly / annual fee | Platform subscription from $99/$249 |
| FX / conversion fee | 1.5%–3% |
Verification and risk
| KYC required | Yes (business verification) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (multi-method: ACH, wire, virtual card) |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple (unlimited) |
Billing
| Billing country | Global (200+ countries, 120 currencies) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
How it performed in our tests
Tipalti has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Other Mastercard virtual cards
Frequently asked
What does Tipalti cost to run?
The cost lines stack like this: issuing it costs Varies (unlimited cards at no additional cost); the recurring charge is Platform subscription from $99/$249; conversion is priced at 1.5%–3%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Tipalti?
Tipalti asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (business verification)
How can I fund Tipalti?
You can fund it with bank transfer (multi-method: ACH, wire, virtual card). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Tipalti need?
Setting it up: cards are issued against Global (200+ countries, 120 currencies); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Will Tipalti trigger 3-D Secure?
No. Tipalti does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with Tipalti?
Tipalti allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple (unlimited). Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.