Predictika · Payables quotes

An AI sales agent's payables quote, checked before it goes out

An AI sales agent prepares a quote for Tipalti: the Accounts Payable plan for invoices, PO matching and supplier payments, or the Mass Payments plan for payouts to a large payee network, with the Procurement, Expenses and Treasury modules, an ERP connection, payment methods by payee location and the tax forms to collect. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the plans, payment methods, tax rules and dependencies Tipalti describes publicly and returns a verdict, every reason, a line-item quote and the figures it computed.

Scope: Tipalti Accounts Payable and Mass Payments quotes: plan and add-on modules, ERP connection, PO matching, payment methods by payee location, W-9 and W-8 collection, sanctions screening, term and the stated total. See everything this validator covers

This validator models payables quotes for Tipalti as described on the Tipalti pricing and product pages, not just the scenarios shown below.

  • Plans and prices — Tipalti Accounts Payable (plans start at $99 a month) and Tipalti Mass Payments (plans start at $249 a month), with the Procurement, Expenses and Treasury modules as add-ons to Accounts Payable. Tipalti publishes only that transaction pricing applies per invoice and per payment, so the per-invoice, per-payment, module and extra-entity prices on this page are illustrative.
  • Accounts Payable features — invoice processing, two-way and three-way PO matching, virtual card payments and multi-entity support; none of these belong to the Mass Payments plan. ERP connections cover NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics and SAP; any other ERP goes through the Tipalti API.
  • Payments and tax — ACH for U.S. payees, local bank transfers, wire and PayPal for payees abroad; a W-9 from every U.S. payee and a W-8 from every payee outside the U.S.; VAT and DAC7 reporting for payees in the EU and UK; every payment screened against the OFAC, EU and UK sanctions lists.
  • Approvals — an ERP outside the standard integrations, many legal entities, several entities on QuickBooks, high invoice or payment volume, the Treasury module (no published price) and terms longer than 12 months go to a person.

Any Tipalti Accounts Payable or Mass Payments quote that touches these plans and rules is in scope — not only the scenarios pictured here. Not covered: Expenses and Treasury configuration beyond their presence on the quote, the Tipalti Card and cash back, foreign exchange fees, negotiated discounts and implementation services. Plan prices are those read in October 2026 and may change.

The AI sales agentBuilds the Tipalti payables quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
Click to expand
    
Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Features that belong to one planOnly with care
Invoice processing, PO matching, virtual cards and the add-on modules belong to Accounts Payable and not to Mass Payments, so each feature needs its own rule tied to the plan.		The plan and every feature are in one request and each feature is checked against the plan together.
Payment methods that depend on where the payee isOnly with workarounds
ACH only reaches U.S. payees and local bank transfers only reach payees abroad; comparing a count of payments by method with a count of payments by location needs a validation rule per method and fields the rep may leave empty.		Payments by method and by location are fields of the quote and are compared on every call.
Tax forms that follow payee locationOnly with care
A W-9 is needed from U.S. payees and a W-8 from payees abroad; a rule has to read the payee counts and the forms chosen together and is easy to leave out.		The payee counts and the tax forms are checked together on every call.
PO matching that depends on the ERPOnly with care
Three-way matching needs item receipts from the ERP and two-way matching needs a source of purchase orders; the product rules must follow the ERP chosen.		The ERP, the modules and the matching level are in one request and checked together.
A total that moves with the matching level and each payment methodOnly with workarounds
The price per invoice changes with the matching level and every payment method has its own price, so the price rules are a table that must be kept in step and the stated total compared by hand.		The prices are applied from the choices and the total is compared with the stated figure in the same pass.
Every problem returned in one answerOnly with workarounds
Rules tend to fire as the quote is saved or a step is completed, so a rep often fixes one error and meets the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
Click to expand
    
Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote includes payees in a country on the OFAC, EU or UK sanctions lists; every payment is screened against those lists and cannot be sent.
2The quote has 150 payments to U.S. payees but only 100 payments in total.
3The quote has 0 local bank transfers but only -50 payments to payees outside the U.S.; local bank transfers go to payees abroad.
4The quote has 120 ACH payments but only 100 payments to U.S. payees; ACH is a U.S. bank method, and payees elsewhere are paid by local bank transfer, wire, PayPal or card.
5The quote has 60 local bank transfers but only 50 payments to payees outside the U.S.; local bank transfers go to payees abroad.
6The quote has 100 payments to U.S. payees a month but does not collect a W-9 from them; a W-9 is needed from every U.S. payee.
7The quote has 50 payments to payees outside the U.S. a month but does not collect a W-8 from them; a W-8 is needed from every non-U.S. payee.
8The quote turns on VAT and DAC7 reporting but has no payments to payees outside the U.S.; that reporting applies to payees in the EU and UK.
9The quote has 50 invoices a month on the Mass Payments plan; invoice processing belongs to Tipalti Accounts Payable.
10The quote asks for PO matching on the Mass Payments plan; PO matching belongs to Tipalti Accounts Payable.
11The quote adds Procurement, Expenses or Treasury to the Mass Payments plan; those modules extend Tipalti Accounts Payable.
12The quote includes the Treasury module, whose price is not published, so a person should confirm it.
13The quote has 20 virtual card payments a month on the Mass Payments plan; virtual card payments belong to Accounts Payable.
14The quote asks for PO matching but has no ERP and no Procurement module; invoices are matched to purchase orders held in the ERP or created in Procurement.
15The quote asks for three-way PO matching on QuickBooks; three-way matching needs item receipts from the ERP, which the QuickBooks connection does not supply.
16The quote asks for PO matching but has no invoices a month to match.
17The quote has a term of 11 months; the shortest term for this quote is 12 months.
18The quote has a term of 13 months; a term longer than 12 months should be confirmed by a person.
19The quote has a term of 36 months; a term longer than 12 months should be confirmed by a person.
20The quote has no invoices and no payments in a month.
21The quote connects an ERP outside the standard integrations (NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, SAP); it needs a custom connection through the Tipalti API, which can call for professional services, so a person should confirm.
22The quote has 6 legal entities; multi-entity support is built in, but a complex environment can call for professional services, so a person should confirm.
23The quote connects 2 legal entities to QuickBooks; entity-level ERP connections are shown for NetSuite-class systems, so a person should confirm it.
24The quote has 7 legal entities; multi-entity support is built in, but a complex environment can call for professional services, so a person should confirm.

  

  

    
Scenarios and results
Click to expand
    
The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Accounts Payable on QuickBooks: A QuickBooks quote with three-way matching and suppliers abroad

    
The agent's request. Please quote Tipalti Accounts Payable on QuickBooks, for a 12-month term. It handles 900 invoices a month with three-way PO matching. Each month it makes 770 payments: 600 by ACH, 150 by local bank transfer and 20 by wire, of which 540 to U.S. payees. It collects W-9 forms. The quote states a total of $20,988.00 for 12 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • ACH payments exceed U.S. payments. The quote has 600 ACH payments but only 540 payments to U.S. payees; ACH is a U.S. bank method, and payees elsewhere are paid by local bank transfer, wire, PayPal or card.
    • 
      
  • W-8 not collected from non-U.S. payees. The quote has 230 payments to payees outside the U.S. a month but does not collect a W-8 from them; a W-8 is needed from every non-U.S. payee.
    • 
      
  • Three-way matching on QuickBooks. The quote asks for three-way PO matching on QuickBooks; three-way matching needs item receipts from the ERP, which the QuickBooks connection does not supply.
    • 
      
  • Stated total does not match. The quote states a total of $20,988.00 for the term; the quote prices give $26,088.00.
    • 
    

    
2. Accounts Payable on QuickBooks: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tipalti Accounts Payable on QuickBooks, for a 12-month term. It handles 900 invoices a month with two-way PO matching. Each month it makes 770 payments: 540 by ACH, 210 by local bank transfer and 20 by wire, of which 540 to U.S. payees. It collects W-9 and W-8 forms. The quote states a total of $24,108.00 for 12 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $2,009.00 and a term total of $24,108.00.
    • 
    

    
3. Mass Payments, royalty payouts: A Mass Payments quote with Procurement and card payouts

    
The agent's request. Please quote Tipalti Mass Payments on an in-house system connected through the Tipalti API, for a 12-month term. Add the Procurement module. Each month it makes 4,700 payments: 1,000 by ACH, 2,200 by local bank transfer, 1,300 by PayPal and 200 by virtual card, of which 1,000 to U.S. payees. It collects W-9 forms. The quote states a total of $64,788.00 for 12 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • W-8 not collected from non-U.S. payees. The quote has 3,700 payments to payees outside the U.S. a month but does not collect a W-8 from them; a W-8 is needed from every non-U.S. payee.
    • 
      
  • Add-on modules on the Mass Payments plan. The quote adds Procurement, Expenses or Treasury to the Mass Payments plan; those modules extend Tipalti Accounts Payable.
    • 
      
  • Card payments on the Mass Payments plan. The quote has 200 virtual card payments a month on the Mass Payments plan; virtual card payments belong to Accounts Payable.
    • 
      
  • Stated total does not match. The quote states a total of $64,788.00 for the term; the quote prices give $68,988.00.
    • 
      
  • ERP outside the standard integrations. The quote connects an ERP outside the standard integrations (NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, SAP); it needs a custom connection through the Tipalti API, which can call for professional services, so a person should confirm.
    • 
    

    
4. Mass Payments, royalty payouts: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tipalti Mass Payments on an in-house system connected through the Tipalti API, for a 12-month term. Each month it makes 4,700 payments: 1,000 by ACH, 2,200 by local bank transfer and 1,500 by PayPal, of which 1,000 to U.S. payees. It collects W-9 and W-8 forms. The quote states a total of $66,588.00 for 12 months. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • ERP outside the standard integrations. The quote connects an ERP outside the standard integrations (NetSuite, Sage Intacct, QuickBooks, Microsoft Dynamics, SAP); it needs a custom connection through the Tipalti API, which can call for professional services, so a person should confirm.
    • 
      
  • Quote summary. Monthly charge of $5,549.00 and a term total of $66,588.00.
    • 
    

    
5. Accounts Payable on SAP: An SAP quote for three entities with EU suppliers

    
The agent's request. Please quote Tipalti Accounts Payable on SAP, for a 6-month term across 3 legal entities. It handles 1,500 invoices a month with three-way PO matching. Add the Procurement and Expenses modules. Each month it makes 1,160 payments: 400 by ACH, 700 by local bank transfer and 60 by wire, of which 400 to U.S. payees. It collects W-9 forms. It turns on VAT and DAC7 reporting for its EU suppliers. The payees include suppliers in Iran. The quote states a total of $29,244.00 for 6 months. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Payees in sanctioned countries. The quote includes payees in a country on the OFAC, EU or UK sanctions lists; every payment is screened against those lists and cannot be sent.
    • 
      
  • W-8 not collected from non-U.S. payees. The quote has 760 payments to payees outside the U.S. a month but does not collect a W-8 from them; a W-8 is needed from every non-U.S. payee.
    • 
      
  • Term shorter than 12 months. The quote has a term of 6 months; the shortest term for this quote is 12 months.
    • 
      
  • Stated total does not match. The quote states a total of $29,244.00 for the term; the quote prices give $29,694.00.
    • 
    

    
6. Accounts Payable on SAP: The agent resubmits after fixing the errors

    
The agent's request. Please quote Tipalti Accounts Payable on SAP, for a 12-month term across 3 legal entities. It handles 1,500 invoices a month with three-way PO matching. Add the Procurement and Expenses modules. Each month it makes 1,110 payments: 400 by ACH, 650 by local bank transfer and 60 by wire, of which 400 to U.S. payees. It collects W-9 and W-8 forms. It turns on VAT and DAC7 reporting for its EU suppliers. The quote states a total of $58,488.00 for 12 months. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Quote summary. Monthly charge of $4,874.00 and a term total of $58,488.00.
    • 
    

  

  

    
Narration transcript
Click to expand
    
The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a quote for Tipalti: the Accounts Payable plan for invoices, PO matching and supplier payments, the Mass Payments plan for payouts to a large payee network. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the plans, payment methods, tax rules and dependencies Tipalti describes publicly and returns a verdict, every reason, a line-item quote and the figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. Please quote Tipalti Accounts Payable on SAP, for a 6-month term across 3 legal entities. It handles 1,500 invoices a month with three-way PO matching. The rest of the request is on screen. The quote states a total of $29,244.00 for 6 months.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with four findings, all in one answer. The quote includes payees in a country on the OFAC, EU or UK sanctions lists; every payment is screened against those lists and cannot be sent. The quote has 760 payments to payees outside the U.S. a month but does not collect a W-8 from them; a W-8 is needed from every non-U.S. payee. The quote has a term of 6 months; the shortest term for this quote is 12 months. The other one is on screen.
    6. 
      
  6. The validator returned four blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other and against the stated total.
    7. 
      
  7. What this shows: for payment methods that depend on where the payee is, a rules-based CPQ can do this only with workarounds.
    8. 
      
  8. Now the agent resubmits.
    9. 
      
  9. The corrected request. It changes the term to 12 months, the local bank transfers a month to 650, the tax forms collected to W-9 and W-8 and the stated total to $58,488.00. It removes the payees in sanctioned countries.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
    12. 
      
  12. The validator also returns the line-item quote. It starts with Tipalti Accounts Payable plan and Invoices processed with three-way PO matching; the other six lines are on screen.
    13. 
      
  13. All four earlier findings are cleared, and the validator's total, $58,488.00, matches the quote.
    14. 
      
  14. Four problems caught in one call, fixed in one pass, and a clean $58,488.00 quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    15.