Automate supplier and contractor disbursements with Tipalti's mass payments API

Steps

1. Enable API access in Tipalti Hub and retrieve your API key and payer name from Settings > Integration; authenticate all API calls using HMAC-SHA256 signing of the request payload with your private key as documented in Tipalti's API guide.
2. Onboard each payee via the Tipalti iFrame (self-service portal) embedded in your platform or via the CreateOrUpdatePayee API endpoint, collecting banking details, tax form (W-9/W-8), and preferred payment method across 30+ currencies.
3. Submit payment instructions via the SubmitPaymentFile or CreatePaymentsOrder API, specifying payee_id, amount, currency, and a unique payment_reference for each line item; Tipalti validates payee eligibility and payment method availability before queuing.
4. Monitor payment status via the GetPaymentsFileStatus or GetPaymentStatusReport API, or configure Tipalti's webhook callbacks to receive real-time status transitions (PENDING, SUBMITTED, PAID, FAILED, RETURNED).
5. For US ACH payouts, Tipalti batches payments into ACH files per NACHA rules and submits through its banking partners; for international SWIFT payments, Tipalti deducts wire fees from your prefunded balance — ensure the balance is sufficient before submission.
6. Retrieve payee remittance details (payment confirmation, reference numbers) via the GetPayeePaymentDetails API to post against open AP invoices in your ERP.