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FractionalPay

Tipalti alternative

A Tipalti alternative for split payments

If you are looking for a Tipalti alternative because your real problem is dividing each customer payment between sellers, partners and your platform, FractionalPay does that one job well: rules, ledger, refunds and payouts, for a flat monthly fee you start on your own.

Tipalti is an accounts payable and mass payout suite. It is a good choice for paying invoices and suppliers at scale. FractionalPay is narrower and works on a different moment: the second a payment succeeds, not the day an invoice is approved.

Try the split simulator See pricing
  • Splits every incoming payment the moment it succeeds
  • Flat monthly plans, no transaction fees from us
  • Self-serve signup and sandbox, no sales call

Booking #20941

Split by rule v2

Gross payment

$640.00 USD

  • Host $512.00
  • Platform $96.00
  • Referral partner $32.00
Shares add up to the booking $640.00

Different starting points

Accounts payable versus per-payment splitting

Tipalti starts from the payables side. A supplier sends an invoice, it is approved, and Tipalti pays it as part of a mass payout run. Third-party listings report its mass payments offering from 249 USD per month plus transaction fees, with full deployments often costing 1,500 to 5,000 USD per month. Onboarding is sales-led.

FractionalPay starts from the revenue side. A customer pays your platform, and the payment has to be shared: 80 percent to the host, 15 percent to you, 5 percent to the partner who referred the booking. Nobody sends an invoice for that. The split is a rule, and it has to run on every payment, then reverse correctly when a refund arrives.

That difference decides the fit. If your team spends its week approving supplier bills, an AP suite is the right tool. If your team spends its week working out who earned what from which payment, you need a split engine with a ledger, which is what FractionalPay is.

  • Rules with percentage and fixed lines, priorities and a remainder party
  • A double-entry ledger where every transaction balances to zero
  • Proportional refunds, including after a payout was already sent
  • Payout schedules, holds and minimum amounts per beneficiary

Ledger journal

Balanced

txn_8H2L5W ยทSplit of booking 20941 by rule v2

  • Operator balance (your account) Dr$640.00
  • Payable to Host Cr$512.00
  • Platform revenue Cr$96.00
  • Payable to Referral partner Cr$32.00

TotalDr $640.00 ยท Cr $640.00

Side by side

Tipalti and FractionalPay compared

The table only uses facts that are public or reported by third-party listings. Where Tipalti covers a job that FractionalPay does not, the table says so.

  • Main job

    FractionalPay
    Splitting each incoming payment by rule
    Tipalti
    Accounts payable and mass payouts

  • Per-payment split rules

    FractionalPay
    Yes
    Tipalti
    No

  • Proportional refunds across shares

    FractionalPay
    Yes
    Tipalti
    Not the focus

  • Double-entry ledger per beneficiary

    FractionalPay
    Yes
    Tipalti
    Not the focus

  • Invoice approvals and supplier onboarding

    FractionalPay
    No
    Tipalti
    Yes

  • Global tax form collection at scale

    FractionalPay
    Tax form status tracking on Growth
    Tipalti
    Yes

  • Payout scheduling and approvals

    FractionalPay
    Schedules on every plan, four-eyes approvals on Scale
    Tipalti
    Yes

  • Getting started

    FractionalPay
    Self-serve signup and sandbox
    Tipalti
    Sales-led onboarding

  • Pricing

    Tipalti figures as reported by third-party listings

    FractionalPay
    199, 499 or 1,499 USD per month, half that billed yearly, no transaction fees
    Tipalti
    From 249 USD per month plus transaction fees, deployments often 1,500 to 5,000 USD per month

On FractionalPay, payments land in your own platform account at a licensed payment operator. We calculate the splits, keep the ledger and send payout instructions to that account. We never hold, pool or transmit funds and we are not a payment institution. Full plan details are on the pricing page.

Shares on booking #20941

Host

Harbor View Lofts

Pending

$512.00

80% of booking

Available Oct 23

Platform

Platform revenue

Available

$96.00

15% of booking

Kept in your account

Referral partner

Coastline Guides

Scheduled

$32.00

5% of booking

Monthly payout Nov 1

Honest fit

When Tipalti is the better choice

Some teams search for a Tipalti alternative and then find that Tipalti is exactly what they need. That is fine. Choose Tipalti when the work is mostly payables, not revenue sharing.

  • You need full AP automation with invoice approvals across your finance team
  • You onboard many suppliers who must submit their own banking and compliance details
  • You collect tax forms from recipients in many countries at large scale
  • Your payments go out against bills, not in proportion to incoming customer payments

Getting started

From signup to the first split without a sales call

There is no implementation project. You connect the platform account you already use, describe who gets what, and new payments start splitting from that moment. Finance can do every step in the dashboard; engineers can do the same through the split payment API.

  1. 01

    Connect your account

    Link your Stripe Connect platform account. Payments, refunds and disputes are mirrored from it automatically.

  2. 02

    Add beneficiaries

    Create sellers, hosts or partners one by one or import them from CSV, each tied to its connected account id.

  3. 03

    Write one rule

    Percentages, fixed amounts, an optional hold and a remainder party. Test it on a sample amount before it goes live.

  4. 04

    Pay on schedule

    Shares become available and move into daily, weekly or monthly payouts, with every step written to the ledger.

Questions

Frequently asked questions

Something else on your mind? Write to [email protected] or read the API documentation.

Is FractionalPay a full replacement for Tipalti
Only if your main need is splitting incoming payments. FractionalPay does not run invoice approvals or supplier onboarding workflows. If those are central to your work, Tipalti or another AP suite remains the better fit.
How does the cost compare
Tipalti mass payments are listed from 249 USD per month plus transaction fees, and third-party listings report deployments often at 1,500 to 5,000 USD per month. FractionalPay costs 199, 499 or 1,499 USD per month, or 99, 249 or 749 USD per month billed yearly, with no transaction fee from us. Your operator's own fees are unchanged.
Does FractionalPay hold our funds the way a payout service does
No. Payments land in your own platform account at a licensed payment operator. FractionalPay calculates the splits, keeps the ledger and sends payout instructions. We never hold, pool or transmit funds and we are not a payment institution.
Can we keep Tipalti for supplier bills and use FractionalPay for revenue splits
Yes. The two jobs do not overlap much. FractionalPay handles the shares of each customer payment, and your AP tool keeps paying supplier invoices.
What about tax forms for our sellers
Growth and Scale keep tax data per beneficiary: tax form status, yearly earnings statements and a VAT breakdown per line for your accountant. If you need to collect tax forms from very large numbers of recipients worldwide, a dedicated payout and tax tool is stronger there.
How quickly can we test it
Right away. The simulator on the homepage needs no account, and after signup the sandbox works with test keys and demo data. See the API docs or compare more options on the split payment companies page.

Split one real payment before you decide

Enter an amount and the parties from a recent order in the simulator, and see the shares, ledger and first payout date in under a minute.

Try the split simulator See pricing

No transaction fees from us. Runs on your own payment account at a licensed operator. FractionalPay never holds your funds.