Discussion
A client of mine has a US-based accounts department, and in order to get my invoice paid, they want me to sign up to a thing called Tipalti.
And so, instead of just getting paid as before, I now have to have a password, and log in, and enter all my details. At least I only have to do it once - but there's a load of American T&Cs I have to accept, and there's mention of a 3% FX charge though it's not clear who pays it. Presumably me. The next page, which I haven't got to yet, is called 'Tax Forms'. WTF just send me the money... hopefully there's a box I can tick that says 'Non-USA taxpayer, bugger off'.
Does anyone else use Tipalti, and if so what do they think of it?
And so, instead of just getting paid as before, I now have to have a password, and log in, and enter all my details. At least I only have to do it once - but there's a load of American T&Cs I have to accept, and there's mention of a 3% FX charge though it's not clear who pays it. Presumably me. The next page, which I haven't got to yet, is called 'Tax Forms'. WTF just send me the money... hopefully there's a box I can tick that says 'Non-USA taxpayer, bugger off'.
Does anyone else use Tipalti, and if so what do they think of it?
Doofus said:
For the tax thing, you need to complete a W-8 BEN (assuming you're a compay, rather than a sole-trader). It looks daunting, but it's fairly straightforward.
Sole trader, fortunately.Last time I invoiced them payment duly arrived as expected. But evidently that was too simple...
Just summoned up the enthusiasm to have another go and here are the T&Cs. Anything I should be concerned about or is it all standard stuff? It all seems very complicated just to send £350 from one place to another...
'Should be' doesn't fill me with confidence.
Tipalti said:
This Payee Agreement (“Agreement”) is between the entity who through an online registration or other mechanism indicates acceptance of this Agreement (“Payee”) and Tipalti, Inc., a Delaware corporation, (“Tipalti”) and governs Payee’s usage of this software portal and the payment processing platform and services (together, the “Payment Processing Services”).
Payment Processing Services.
The Payment Processing Services provide a portal for Payee to communicate with, submit invoices and other information to, and receive payments from a third party (the “Payor”). When Payee successfully registers for the Payment Processing Services, Tipalti will provide Payee with a free payment processing account. The Payment Processing Services do not include money transmission, electronic money, or any other regulated financial service.
Use of the Payment Processing Service.
Subject to the terms of this Agreement, Tipalti grants Payee a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Payment Processing Services solely for its own internal business purposes. Payee shall not share login credentials with more than one person, or with any third party. Payee shall notify Tipalti if it believes its credentials may have been compromised. Payee assumes full responsibility for the security of, and all activity occurring under, its login credentials, and for all data submitted to the Payment Processing Service. TIPALTI MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, WITH RESPECT TO THE PAYMENT PROCESSING SERVICES UNDER THIS AGREEMENT INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR THAT OTHERWISE ARISE FROM A COURSE OF PERFORMANCE OR USAGE OF TRADE. WITHOUT LIMITATION, TIPALTI MAKES NO REPRESENTATION THAT USE OF THE PAYMENT PROCESSING SERVICES WILL RESULT IN ANY IMPROVEMENT IN PAYEE’S BUSINESS OR PAYEE’S RELATIONSHIPS WITH PAYORS. TIPALTI IS NOT ACTING AS A WITHHOLDING AGENT ON PAYEE’S OR PAYOR’S BEHALF. NO REPRESENTATION MADE ON THE TIPALTI WEBSITE, A TIPALTI USER GUIDE, WIKI, OR OTHER ADVERTISING OR SUPPORT MATERIALS OR CORRESPONDENCE WILL BE CONSTRUED AS A REPRESENTATION UNDER THIS AGREEMENT.
Personal Data.
Personal data received by Tipalti from the Payor for purposes of providing the Payment Processing Services is subject to the Payor’s privacy policy and Tipalti’s privacy policy. Personal data received by Tipalti directly from Payee upon registration for the Services is also subject to Tipalti’s privacy policy. If Payee’s personal data is subject to the General Data Protection Regulation (“GDPR”), then Tipalti is a data processor and the Payor is the data controller of Payee’s personal data where Payee’s personal data is used in connection with the transactions received from that Payor, and Tipalti is also a data controller where Payee’s personal data is used by Tipalti to provide Payee the Payment Processing Services. Accordingly, Payee may make any data deletion, correction, or other authorized requests under GDPR to the Payor and to Tipalti, respectively. Tipalti processes and stores Payee’s personal data in the United States, Israel, and the United Kingdom. The terms “personal data”, “data controller” and “data processor” have the meanings ascribed to them in the GDPR.
Fees.
There is no cost to access the Payment Processing Services. However, if Payee requests a currency conversion from Tipalti, the exchange rate will include a currency conversion fee (spread) of up to 3%, which is retained by Tipalti.
LIMITATION OF LIABILITY.
TIPALTI’S LIABILITY TO PAYEE IS LIMITED TO THE AMOUNT OF THE PAYMENT THAT TIPALTI ACCEPTS ON PAYEE’S BEHALF, AND ANY DIRECT DAMAGES CAUSED EXCLUSIVELY BY TIPALTI’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. NEITHER PAYEE NOR TIPALTI SHALL BE LIABLE TO EACH OTHER FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR ANY OTHER TYPE OF CONSEQUENTIAL DAMAGES.
Contracting Entity, Governing Law, and Venue.
This Agreement is governed by California law with venue exclusively in the courts of San Francisco, California without giving effect to its conflicts of laws rules.
Notices.
All notices and other communications to a party to this Agreement must be in writing and sent by mail and email to Tipalti at the following address: 1810 Gateway Drive, Suite 300, San Mateo, California, 94404 with a copy to legal@tipalti.com.
Agent of the Payee for California, Nevada, and United Kingdom (“UK”) Payors.
If the Payor is in California, Nevada, or the UK, then Payee hereby appoints Tipalti as its agent for the limited purpose of receiving payments from that Payor on Payee’s behalf. Tipalti’s receipt of payment from the Payor will satisfy and extinguish the Payor’s obligation to Payee for the payment. Unless the payment is reversed or returned for any reason, upon Tipalti’s acceptance of the payment, Tipalti will be liable to Payee for the payment and Payee will have no other recourse against Tipalti or the Payor for that payment. Under this Agreement, Payee authorizes the Payor to provide Tipalti with payment instructions in terms of how much to pay Payee and the timing of the payments, and Payee authorizes Tipalti to follow the Payor’s instructions.
Regarding the 3%, it looks like I (the Payee) have to pay it, but their helpdesk says 'When you input your payment information and choose the non-wire option ( i believe it's echeck) it should be free of charge.'Payment Processing Services.
The Payment Processing Services provide a portal for Payee to communicate with, submit invoices and other information to, and receive payments from a third party (the “Payor”). When Payee successfully registers for the Payment Processing Services, Tipalti will provide Payee with a free payment processing account. The Payment Processing Services do not include money transmission, electronic money, or any other regulated financial service.
Use of the Payment Processing Service.
Subject to the terms of this Agreement, Tipalti grants Payee a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Payment Processing Services solely for its own internal business purposes. Payee shall not share login credentials with more than one person, or with any third party. Payee shall notify Tipalti if it believes its credentials may have been compromised. Payee assumes full responsibility for the security of, and all activity occurring under, its login credentials, and for all data submitted to the Payment Processing Service. TIPALTI MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESSED OR IMPLIED, WITH RESPECT TO THE PAYMENT PROCESSING SERVICES UNDER THIS AGREEMENT INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR THAT OTHERWISE ARISE FROM A COURSE OF PERFORMANCE OR USAGE OF TRADE. WITHOUT LIMITATION, TIPALTI MAKES NO REPRESENTATION THAT USE OF THE PAYMENT PROCESSING SERVICES WILL RESULT IN ANY IMPROVEMENT IN PAYEE’S BUSINESS OR PAYEE’S RELATIONSHIPS WITH PAYORS. TIPALTI IS NOT ACTING AS A WITHHOLDING AGENT ON PAYEE’S OR PAYOR’S BEHALF. NO REPRESENTATION MADE ON THE TIPALTI WEBSITE, A TIPALTI USER GUIDE, WIKI, OR OTHER ADVERTISING OR SUPPORT MATERIALS OR CORRESPONDENCE WILL BE CONSTRUED AS A REPRESENTATION UNDER THIS AGREEMENT.
Personal Data.
Personal data received by Tipalti from the Payor for purposes of providing the Payment Processing Services is subject to the Payor’s privacy policy and Tipalti’s privacy policy. Personal data received by Tipalti directly from Payee upon registration for the Services is also subject to Tipalti’s privacy policy. If Payee’s personal data is subject to the General Data Protection Regulation (“GDPR”), then Tipalti is a data processor and the Payor is the data controller of Payee’s personal data where Payee’s personal data is used in connection with the transactions received from that Payor, and Tipalti is also a data controller where Payee’s personal data is used by Tipalti to provide Payee the Payment Processing Services. Accordingly, Payee may make any data deletion, correction, or other authorized requests under GDPR to the Payor and to Tipalti, respectively. Tipalti processes and stores Payee’s personal data in the United States, Israel, and the United Kingdom. The terms “personal data”, “data controller” and “data processor” have the meanings ascribed to them in the GDPR.
Fees.
There is no cost to access the Payment Processing Services. However, if Payee requests a currency conversion from Tipalti, the exchange rate will include a currency conversion fee (spread) of up to 3%, which is retained by Tipalti.
LIMITATION OF LIABILITY.
TIPALTI’S LIABILITY TO PAYEE IS LIMITED TO THE AMOUNT OF THE PAYMENT THAT TIPALTI ACCEPTS ON PAYEE’S BEHALF, AND ANY DIRECT DAMAGES CAUSED EXCLUSIVELY BY TIPALTI’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. NEITHER PAYEE NOR TIPALTI SHALL BE LIABLE TO EACH OTHER FOR ANY SPECIAL, INCIDENTAL, INDIRECT, OR ANY OTHER TYPE OF CONSEQUENTIAL DAMAGES.
Contracting Entity, Governing Law, and Venue.
This Agreement is governed by California law with venue exclusively in the courts of San Francisco, California without giving effect to its conflicts of laws rules.
Notices.
All notices and other communications to a party to this Agreement must be in writing and sent by mail and email to Tipalti at the following address: 1810 Gateway Drive, Suite 300, San Mateo, California, 94404 with a copy to legal@tipalti.com.
Agent of the Payee for California, Nevada, and United Kingdom (“UK”) Payors.
If the Payor is in California, Nevada, or the UK, then Payee hereby appoints Tipalti as its agent for the limited purpose of receiving payments from that Payor on Payee’s behalf. Tipalti’s receipt of payment from the Payor will satisfy and extinguish the Payor’s obligation to Payee for the payment. Unless the payment is reversed or returned for any reason, upon Tipalti’s acceptance of the payment, Tipalti will be liable to Payee for the payment and Payee will have no other recourse against Tipalti or the Payor for that payment. Under this Agreement, Payee authorizes the Payor to provide Tipalti with payment instructions in terms of how much to pay Payee and the timing of the payments, and Payee authorizes Tipalti to follow the Payor’s instructions.
'Should be' doesn't fill me with confidence.
As soon as I discover that a customer has a non UK based payments dept I ask for full payment in GBP against a pro-forma invoice before work starts.
Its hard enough communicating with accounts payable people as it is without different time zones and languages. I would certainly not entertain signing up to some third party online system just to get paid.
But you will have to fill in one of the W8 type forms when asked to prove you are a foreign non US taxpayer.
Its hard enough communicating with accounts payable people as it is without different time zones and languages. I would certainly not entertain signing up to some third party online system just to get paid.
But you will have to fill in one of the W8 type forms when asked to prove you are a foreign non US taxpayer.
Ean218 said:
As soon as I discover that a customer has a non UK based payments dept I ask for full payment in GBP against a pro-forma invoice before work starts.
I've worked for them before and was paid from the UK without issue; this is a new development that was sprung on me after I invoiced them.Flanking maneuver launched!
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