Compared

Orla vs Tipalti: neither counts users, and only one fits a company of three

Tipalti's payables plans start at $99 a month with unlimited users, then add transaction pricing, modules and an implementation. Orla does not count seats either, and its whole price is on one page.

Start free See Orla's pricing

Tipalti's prices below were read on its own pricing page on 26 September 2026.

Side by side

What each one is, and what the price is made of

The honest version, including the rows where Tipalti wins.

	Orla	Tipalti
What it isIn one sentence	The finance back office that runs itself: bills, payouts, cards, invoices, and the month for your accountant, up to pre-accounting	Accounts payable automation and mass payouts for finance teams, with ERP integrations
Starting priceTheir pricing page, this month	Free forever; Solo $25, Pro $69, Scale $199, Enterprise $499 a month, bought on the site without a call	Accounts Payable from $99 a month, Mass Payments from $249 a month; a custom quote through sales
What comes on topBeyond the plan	Packs with their prices on the pricing page. Orla's own fee on a crypto swap and a card top-up, each named on the screen before you confirm, and on what an AI agent's wallet spends on its own	Transaction pricing per invoice and payment, modules for procurement, expenses and treasury, and professional services for complex setups
UsersWho is counted	Seats per business space by plan; an accountant's seat never counts	Unlimited users on both plans
EntitiesCompanies in one account	One business space per plan up to Scale, five on Enterprise, more as a pack	Multi-entity support built in
Where money leaves fromRails and reach	Your own bank as a payout rail (Revolut Business, Airwallex, Slash, Mercury), PayPal Payouts, and your own wallets on EVM, TRON and Solana	Tipalti's own rails to 200+ countries and territories, with multiple currency accounts
SuppliersTheir side	Bills by email to the space's own address, from a connected Gmail on the paid plans, or by hand; payees live in your address book; no supplier portal	A self-service supplier portal, W-9 and W-8 collection, and tax ID validation
AccountingThe handoff	A journal CSV for Xero and QuickBooks from Pro, $69 for the company; no sync	NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics and SAP
CryptoExchanges and wallets	First class: six exchanges by read-only key, BTC, EVM, TRON and Solana wallets, a cost basis kept through swaps, and payouts sent in stablecoins	Not on the pricing page
Free planBefore paying anything	Yes, with no card and no clock	“Tipalti does not offer a free tier”, in its own pricing questions

Prices and plans change on their side too. Seen one here that has? Tell us

The arithmetic

What the price is made of

A starting price and a whole price are different numbers.

On Tipalti: $99 is where the bill starts. Transaction pricing per invoice and payment, the modules you add and professional services for a complex setup are quoted by sales, not printed.
On Orla: The plan price is the bill. Packs carry their prices next to the plans, and Orla takes nothing on a payout or a bill. Orla's own fee sits in three places: a crypto swap and a card top-up, each named on the screen before you confirm, and what an AI agent's wallet spends on its own.

Fair is fair

Where Tipalti is stronger

A comparison you can trust has to be able to say this.

Reach on its own rails: 200+ countries and territories, with currency accounts and FX handled in the product. Orla pays from your connected bank or wallet.
The supplier side: a self-service portal in 27 languages, W-9 and W-8 collection, and tax ID validation across 62 countries. On Orla a person keeps the contact card.
Multi-entity accounting and the big ERPs: NetSuite, Sage Intacct, Microsoft Dynamics and SAP. Orla keeps one company per business space and hands the accountant a file.
Mass Payments as a product of its own, and the Tipalti Card for paying bills with cash back.

If you have a finance team, an ERP and thousands of payees in a hundred countries, Tipalti is the right size of tool, and its price is the cost of that reach.

Where Orla is different

Priced for a company of three

If any of this is your company, the comparison decides itself.

The whole price on one page: plans and packs with their prices, and no call to learn what next month costs.
A company of one: a sole trader, a three-person studio, an agency with a dozen contractors, on a free plan with no card and no clock.
Both rails in one book: a contractor paid in USDC, an exchange balance and a Safe, priced at the minute they moved and handed to the accountant with the bank.
Bills that read themselves without trusting the email: the amount and due date come off the file, where to pay comes from the contact card.
A rule and a batch of up to 200 rows on every plan, the batch checked on its total.

The short answer

Who should pick which

Two cases, and why there is no third.

Pick Tipalti if: you have a finance team, an ERP, several entities and thousands of payees across a hundred countries, and you want the platform to carry the payments on its own rails with a portal for the suppliers.
Pick Orla if: the company is one to twenty people, nobody is a finance person, you want to know the price before the month starts, and part of the money moves in stablecoins or sits on exchanges.

There is no both case worth building: the two tools do the same job at different sizes of company.

Questions

The questions the table does not answer

Is Orla a Tipalti alternative for a small company?

Yes, that is the size it is built for: one person to a few dozen, with no finance person. Tipalti's pricing page starts at $99 a month with transaction pricing and modules on top and no free tier; Orla starts free, and the paid plans are priced for the company, not per seat.

Does Orla charge per transaction the way Tipalti does?

No. On payouts and bills Orla takes nothing: a payout leaves from your own bank or wallet and carries that rail's own cost, the bank's fee or the network's. Orla's own fee sits in three places: a crypto swap and a card top-up, each named on the screen before you confirm, and what an AI agent's wallet spends on its own.

Can Orla pay suppliers in 200 countries like Tipalti?

Orla has no rails of its own. It pays from a bank you connect as a payout rail (Revolut Business, Airwallex, Slash, Mercury), from PayPal Payouts, or from a wallet on EVM, TRON or Solana. Its reach is your bank's reach plus any chain it supports. Tipalti pays on its own rails to 200+ countries and territories.

Does Orla have a supplier portal?

No. A supplier sends a bill to the space's own email address, or you forward it or file it from a document; Orla reads the amount and the due date, and a person approves the draft. Bank details come from the contact card you keep, never from the email or the PDF.

Which one has a free plan?

Orla: no card, no clock, a ledger with statement imports, one card, a few invoices a month and the month's checklist. Tipalti's pricing page says it does not offer a free tier.

Other comparisons

Start free, and know next month's price today

The free plan has no clock on it, connections are read only, and when you leave, your books leave with you.

Or compare against Request Finance → Every comparison on one page →

Orla vs T:0 →: T:0 keeps GAAP books with a CPA; Orla runs everything before the accountant, and speaks crypto.
Orla vs Dimely →: Dimely turns a contract into an invoice inside your ERP; Orla takes it all the way to the money.
Orla vs Fuelfinance →: Fuelfinance is FP&A over QuickBooks; Orla is the book itself, for a company with no bookkeeper.
Orla vs Light →: Light is an agentic ERP for groups of companies; Orla is one company's back office, started this afternoon.
Orla vs Neno →: Neno is a Dutch accounting firm with an account of its own that files for you; Orla files nothing and hands the month to your accountant.
Orla vs Bill.com →: Bill.com prices every user; Orla is one subscription for the company, on bank and crypto rails.
Orla vs Ramp →: Ramp is free for registered companies with $25,000 in the bank; Orla takes a company anywhere, and its crypto.
Orla vs Request Finance →: Request Finance is an account for stablecoins; Orla is the book and the rules across the accounts you have.
Orla vs Rise →: Rise charges $49 per contractor for payroll and compliance; Orla pays from your own wallet at one price.
Moving off Midday →: Midday is winding down after joining Ramp; Orla reads its whole export on every plan, categories and receipts included.
Orla vs YNAB →: Both budget your money. YNAB sees your banks; Orla sees banks, exchanges and wallets in one book.
Orla vs Monarch →: Monarch budgets American and Canadian banks well; Orla adds exchanges and wallets to the same money.
Orla vs Copilot Money →: Copilot tracks American money in dollars; Orla holds several currencies and puts coins in the budget.
Orla vs Lunch Money →: Both independent, both outside America; the split is whether a coin is a balance or a line.
Orla vs Splitwise →: Splitwise keeps score of who owes whom; Orla keeps the book those debts belong to.
Orla vs CoinTracker →: One counts last year's crypto for the tax office; the other runs your money all year.
YNAB alternatives →: Five options with the price and the catch on each.
Splitwise alternatives →: Two free like-for-like options, one different idea, and when moving a group is not worth it.

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