Tipalti is considered the world’s most powerful and professional payment platform designed to make your payment and payout experience as easy as possible.
In order to receive payment, please complete the short payee registration process. Please visit the Kami Dashboard to submit your payee registration information and payment details.
DISCLAIMER: Tipalti/Kami is not authorized to provide tax advice. Any tax-related information posted on this website is not intended and should not be construed as tax, legal or investment advice. If you have questions about tax-related issues, please consult with a tax professional.
Who are eligible for Tipalti payments?
A Kami account holder needs to meet the minimum threshold of $25 in lifetime earnings to be eligible for payments from Kami. Payees are not considered payable by the Tipalti system until all electronic tax forms have been submitted and all manual tax forms, explanations and additional documents (if required) have been received and approved.
What benefits do you get by registering today?
- Faster and automated payments with one-time setup.
- The flexibility to choose from various payment methods and currencies to receive your earnings.
- Enterprise-grade security that ensures your payment information is safely maintained at the highest security level available.
What types of payment methods are available?
We currently offer ACH (US), Wire Transfer (US), International ACH (e-check), Paper Checks, and Paypal.
What types of currencies will I get paid?
Most major currencies are available. After you select your geography on the onboarding page, it will show the currency applicable for that market. This typically defaults to the standard currency in that particular region.
How long is the processing time?
Kami distributes your payout once a month after the receipt of payments from partner networks. These payouts typically occur during the middle of the calendar month. The time it takes for the funds to arrive in your account depends on the payout method you have selected. After Kami releases the payout, it takes additional time for the money to be delivered to you.
- Domestic ACH: Up to 3 business days
- Bank transfer or international wire: 3–7 business days
- Paper Checks: 3-7 business days
- PayPal: Within 1 business day
Weekend or holiday delays:
Most banking systems don’t process transactions on weekends or holidays. If your payout from Kami is completed between Friday and Sunday, it may be delayed and processed the following week.
What kind of currencies are available for each country and payment method?
The following table lists supported payment methods for each country on the Tipalti Solution when the funding currency is US dollars (USD). “T” refers to the Value Date assigned by the bank to a payment instruction.
Why can I not request withdrawals any more?
Monthly earnings will be disbursed at the end of each month via your payment method of choice, after we receive payments from our network partners.
What are the fees for the payments?
|ACH (US only)||USD $1.00|
|eCheck (international)||USD $5.00|
|eCheck (Local UK bank account only)||USD $1.50|
|PayPal||USD $1.00 +2% per $9,500 transaction, $2 max for US accounts, $21 max for non-US accounts|
|Wire Transfer (Non-US resident paid in non-USD)||USD $20.00|
|Wire Transfer (Non-US resident paid in USD)||USD $26.00|
|Wire Transfer (US resident)||USD $15.00|
|Foreign Exchange Rate (Under $5k)||2.50%|
|Foreign Exchange Rate (Over $5k)||1.90%|
Our partner payment platform Tipalti charges a fee for each transaction, which is automatically deducted from the payout. Kami does not charge any additional fees for payments. You will be informed of the fees charged based on the payment method you select, before proceeding to the next step.
If any of the circumstances below occur and a payment sent through Tipalti is rejected or taken under compliance review, a rejection or review fee may be charged to Kami by Tipalti. Should such a fee be charged, the related Kami user(s) account balance shall be debited by the full amount of any such fee(s):
- A user provides incorrect or invalid payee details, including but not limited to SWIFT number, routing number, bank account number, PayPal account information, and/or check information
- A payee’s bank and/or PayPal rejects any payment(s) due to reasons specific to the payee’s geographic region
- A payee triggers an Anti Money Laundering (AML) and/or Office of Foreign Assets Control (OFAC) review
- Any reason outside of the control of Kami
What other fees could I incur?
- Failed transactions due to incorrect payment information under the updated content licensing agreement will be deducted from your account balance in addition to transaction fees (see: What are the fees for these payments?)
- For international accounts, we strongly recommend that you reach out to the receiving institution to ensure your account is able to receive payments in your selected method and that your account is in good standing.
***International Paypal users should call Paypal customer service to verify they are able to receive payments. We have noticed an increased number of regions that are limited to sending money and cannot receive payments.****
|Wire Investigations||$25.00 each|
|Check Stop Payments||$35.00 each|
|Check Photocopies||$20.00 each|
|US ACH Return Fee||$11.00 each|
|eCheck Return Fee||$25.00 each|
|Wire Return Fee||$25.00 each|
Tax Questionnaire Flow
Payees can complete the following questionnaire to determine which tax form they are required to submit. Tipalti suggests the relevant tax form based on the payee’s answers to the questions below. Answers are not saved in the system. Therefore, if payees exit the questionnaire before completion, they will have to restart the questionnaire.
|#||Question||IF YES||IF NO|
|1||Are you an individual?||Go to #2||Go to #3|
|2||Do any of the following apply to you?Are you a US citizen?Are you a resident of the US, meaning:Do you hold a valid green card?orDo you meet the substantial presence test for the current calendar year?Are you a dual citizen with one citizenship being US?Are you subject to taxation as a US citizen?Were you born in the US and have not formally renounced US citizenship?||W-9 (use our wizard)||Go to #4|
|3||Is the entity incorporated in the US?||W-9 (use our wizard)||Go to #5|
|4||Is your income effectively connected with the conduct of trade or business within the US?||W-8ECI||Go to #6|
|5||Is the entity a foreign partnership, a foreign simple trust or a foreign grantor trust (and not claiming treaty benefits)?||W-8IMY||Go to #7|
|6||Are you acting as Intermediary?||W-8IMY||Go to #8|
|7||Is the income of the entity effectively connected with the conduct of trade or business within the US?||W-8ECI||Go to #9|
|8||Are your receiving a compensation for personal services performed in the US for which you are claiming a treaty benefit?||8233||W-8BEN (use our wizard)|
|9||Are you representing a foreign government, an international organization, a foreign central bank of issue, a foreign tax-exempt organization, a foreign private foundation or government of a US possession claiming the applicability of section(s) 115(2), 501(c), 892, 895 or 1443(b)?||W-8EXP||W-8BEN-E (use our wizard)|
Electronic Tax Forms
Tax forms that are completed using Tipalti’s online wizard do not require your approval before submission. The information the payee enters on the tax form is cross-checked with the type of tax form. For example, if the payee completes a W-8BEN or W-8BEN-E form, the system checks that the payee’s permanent resident address, mailing address, country and phone number are ex-US.
Manual Tax Forms
You must review and approve manually completed tax forms on the AP Hub (via the Documents tab or the Payees > Documents subtab [see Find Payee Documentation]).
Select a tax form below to reveal information about the form.
- You are a US citizen.
- You are a resident of the US.
- You have dual citizenship with one citizenship being US.
- You are subject to taxation as a US citizen.
- You were born in the US and have not formally renounced US citizenship.
The W-9 form can be completed by the payee via Tipalti’s online wizard.
The payee needs to complete the W-8BEN form form if the payee is an individual who is not:
- A US citizen
- A resident of the US
- Subject to taxation as a US citizen
- US born
- Has no income effectively connected with the conduct of trade or business within the US
- Is not acting as Intermediary
- Is not receiving a compensation for personal services performed in the US for which you are claiming a treaty benefit
The W-8BEN form can be completed by the payee via Tipalti’s online wizard. Instructions on how to complete the form are also provided.
P.O. box or in-care-of (c/o) addresses are not accepted on this tax form.
Non-US entities that have US-sourced income are required to complete a W-8BEN-E form. This form can be completed by the payee via Tipalti’s online wizard. Instructions on how to complete the form are also provided.
If the payee enters a P.O. box or in-care-of (c/o) address on this tax form, the payee will be required to provide evidence of the registered address and an explanation to confirm it is the only address for the entity (see Additional Documents).
The payee needs to complete the W-8ECI form if the payee is an individual and the payee’s income is effectively connected with the conduct of trade or business within the US (click here for W-8ECI withholding rates). The W-8ECI form and instructions on how to complete the form are provided to the payee. This form must be downloaded, completed manually and uploaded back to the iFrame or Supplier Hub.
The payee needs to complete a W-8IMY form if the payee entity is a foreign partnership, a foreign simple trust or a foreign grantor trust (and not claiming treaty benefits) or the payee is an individual acting as Intermediary. The W-8IMY form and instructions on how to complete the form are provided to the payee. This form must be downloaded, completed manually and uploaded back to the iFrame or Supplier Hub.
The payee needs to complete the W-8EXP form if the payee is representing a foreign government, an international organization, a foreign central bank of issue, a foreign tax-exempt organization, a foreign private foundation or government of a US possession claiming the applicability of sections 115(2), 501(c), 892, 895 or 1443(b); and, the following applies:
- The payee is not an individual.
- The payee is not an entity incorporated in the US.
- The payee is not an entity that is a foreign partnership, a foreign simple trust or a foreign grantor trust (and not claiming treaty benefits).
- The income of the payee entity is not effectively connected with the conduct of trade or business within the US.
The payee needs to complete an 8233 form if the payee is receiving compensation for personal services performed in the US for which the payee is claiming a treaty benefit. The 8233 form and instructions on how to complete the form are provided to the payee. This form must be downloaded, completed manually and uploaded back to the iFrame or Supplier Hub.
Tax Forms Expiration
The following tax forms are valid for the year signed plus the three following calendar years. After this time, the forms expire automatically and payees are notified of the expiration via email. Seven days prior to the expiration, a tax form expiration notice advising you to submit a new form will be sent to you.
The 8233 form expires annually from the date signed and the W-8IMY and W-9 forms have no expiration.
Depending on the type of US tax form and information entered by the payee, the payee may be required to provide additional documents for verification and / or an explanation as to why certain information was entered. The following table provides examples of when additional documents are required.
|US TAX FORM TYPE||TRIGGER FOR DOCUMENT REQUIRED||EVIDENCE REQUIRED||ACCEPTABLE DOCUMENTS|
|W-8BEN||Permanent residence address is in the USMailing address is in the USPayee country is the USPhone number is in the US||Evidence of non-US address / treaty address (only if treaty is being claimed) AND explanation of US address||PassportDriver’s LicenseNational ID|
|W-8BEN-E||Permanent residence address is in the USMailing address is in the USPayee country is the USPhone number is in the US||Evidence of non-US status / treaty eligibility (only if a treaty is being claimed)||Organizational documentCertificate of residence|
|W-8BEN||Payee payment country is the USPayee payment country is different from the treaty countryPayee country is different from the treaty countryPermanent residence address is different from the treaty countryMailing address is different from the treaty country||Evidence of treaty address||PassportDriver’s LicenseNational ID|
|W-8BEN-E||Payee payment country is the USPayee payment country is different from the treaty country||Evidence of treaty addressIf no treaty is being claimed, evidence of non-US address is required||Organizational documentCertificate of residence|
|W-8BEN-E||Payee country is different from the treaty countryPermanent residence address is different from the treaty countryMailing address is different from the treaty country||Evidence of treaty address||Organizational documentCertificate of residence|
|W-8IMY||When the tax form is submitted||Withholding certificate AND withholding statement||Withholding certificate AND withholding statement|
If the payee has provided an explanation, the payer receives an email notification advising that the explanation can be reviewed on the AP Hub. Explanations and additional documents can be reviewed and approved (or rejected) on the Documents tab (or the Payees > Documents subtab; see Find Payee Documentation). If rejected, the payer must provide a reason for the rejection. An email notification containing the reason for rejection will be sent to the payee.
Once additional documents are approved by the payor, payees can view these documents in the Payee Dashboard or Suppliers Portal; however, they will be unable to remove documents. If payees upload another document of the same type, the previously uploaded document is replaced with the new document, which then requires approval.
Will I have to pay taxes on my earnings?
Kami is required by United States tax laws to collect certain tax-related information. You may have to pay taxes on your earnings. It is your responsibility to understand and comply with any and all applicable tax laws. For specific information regarding U.S. tax requirements, please visit the IRS website or consult with a tax professional.
What if I don’t have a tax I.D.?
If you are a U.S. business or individual, or a non-U.S. business with U.S. Activities, as described on our Tax Information Page, and you do not have a tax I.D. such as a Taxpayer Identification Number or Social Security Number, you’ll need to acquire one. We suggest that you obtain your TIN as soon as possible. Please note that the process of obtaining a TIN may take several weeks. You can visit the Internal Revenue Service (IRS) website for more information on obtaining a U.S. TIN.
Non-US Residents: You will be prompted to fill out a W8-BEN form.
Am I subject to US Tax withholdings (non-US residents)?
You may be subject to US tax withholdings if you are not a US resident, and may be exempt if:
- You are a resident in a country with a tax treaty
- You qualify for non-US activities
If the certificate for non-US activities has been signed, withholding rates are not applicable for W-8BEN and W-8BEN-E tax forms. If you believe you qualify for non-US activities, the option will appear when you fill out your W8-BEN.
For specific information regarding U.S. tax requirements, please visit the IRS website U.S. Tax Withholding on Payments to Foreign Persons.
What is a certificate of No US Activities?
The Certificate of No US Activities only applies to “Other Income” and “Artists and Athletes” income types. If the certificate has been signed, withholding rates are not applicable for W-8BEN and W-8BEN-E tax forms. If the certificate has not been signed and:
- The payee is an individual, he / she is directed to the 8233 tax form. The withholding rate is 0% until the yearly limit of the country has passed OR the withholding rate is 30%.
- The payee is a company, the payee must complete the W-8BEN-E tax form. The withholding rate is 0% until the yearly limit of the country has passed OR the withholding rate is 30%.
What are US Activities?
United States (US) Activities involve having employees or owning equipment in the US that are involved in any way with monetization revenue earned. This includes, but is not limited to the development of the content.
The IRS defines business activities as: “The regularity of activities and transactions and the production of income are important elements.” See: Business Activities
What should I do if I cannot continue to the next screen or am having trouble filling out a form?
Our customer service team is readily available to help you with any questions or issues you may have during the registration/onboarding process. We will do our best to help you register/onboard to receive your payments.