Trustpair’s automated TIN matching validates vendor tax IDs against official IRS records in real time — the only solution built directly into your P2P workflow to eliminate IRS penalty risk and vendor impersonation fraud before a single payment is made.
Automated TIN matching is a legal requirement for any US business making payments to non-employee vendors. The IRS mandates a three-step compliance cycle for every vendor relationship:
Most companies skip step 2 and discover TIN errors only at step 3 — during 1099 filing season — when penalties are already being applied and vendor relationships are at risk.
Automate TIN matching at onboarding to avoid significant penalties in case of 1099 filing errors.
Confirm vendor identities to prevent impersonation payment fraud.
Make sure that your vendor data (TIN and third party name) is accurate and can be trusted.
"Trustpair gives us more reliability and peace of mind. The financial director is more serene when it comes to approving the transfer order."
"With Trustpair’s verification methodology, it's no longer just a consistency check but an exact confirmation of the validity of the third party: there is no longer any risk."
"With Trustpair, we are able to automatically and quickly monitor our third parties and ensure the security of that very data over the long term."
“I would definitely recommend Trustpair to finance departments. It makes adding and modifying beneficiaries more reliable, without resorting to manual processes that are cumbersome, time-consuming and fallible.”
“The control process is simplified with the Trustpair solution, the Finance Department is reassured and, above all, it no longer needs to waste time performing manual checks to verify a supplier's bank details.”
"Trustpair adapts very well to the specifics of our market and our way of working. Several features are developed as we work together. That's a real plus."
"Trustpair has become more than a reflex; it has become an obligation. The team no longer validates an IBAN unless Trustpair has confirmed it to us."
Thanks to Trustpair, we’ve made a significant shift in our security processes and filled the gaps we needed to fill. Trustpair has proved to be a committed and trustful partner and we’ve appreciated the support and transparency.
We’ve gone from manual and time-consuming fraud controls to automated bank account validation done directly in SAP. The workload has been drastically reduced and payment security is now guaranteed.
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Automated TIN matching is the real-time process of verifying a vendor’s Taxpayer Identification Number against official IRS records without manual intervention.
Unlike the IRS free batch system — which requires manual file uploads and 24–48 hour wait times — automated TIN matching validates TINs instantly at the point of vendor onboarding. Trustpair connects directly to IRS data sources, checks the TIN against the declared legal entity name, and returns one of five results: Match, No Match, Invalid, Checking, or Unconfirmed — all within seconds, inside your existing P2P workflow.
Real-time TIN matching is critical because TIN errors caught at vendor onboarding are easy to correct — TIN errors discovered at year-end trigger IRS penalties and are costly to fix.
The IRS imposes fines of $60 to $660 per incorrect 1099 form, with annual exposure reaching $4.09M for large businesses. Additionally, a 24% backup withholding rate applies to all payments linked to incorrect TINs.
Real-time TIN matching eliminates these risks by validating tax identities before any payment is approved — turning a reactive year-end scramble into a proactive automated control.
Trustpair provides instant, automated TIN verification embedded in your P2P workflow — the IRS free system requires manual batch file submissions and 24–48 hour processing times.
The IRS TIN matching program is a separate portal with no connection to your ERP or payment systems, making it impractical for ongoing vendor management.
Trustpair’s solution validates TINs in real time at vendor creation, returns granular results (including Invalid and Unconfirmed statuses not available from the IRS system), and combines TIN matching with bank account validation in a single automated workflow — with no integration work required.
No — real-time TIN matching and bank account validation are two independent, complementary fraud prevention layers that work best together.
TIN matching confirms who a vendor is (legal entity identity vs. IRS records). Bank account validation confirms where to pay them (ownership of the declared payment account). Trustpair is the only platform combining both into a single automated verification workflow — delivering a three-way check of bank account, legal entity name, and IRS-registered TIN simultaneously.
Neither check replaces the other; together, they provide the most comprehensive vendor trust verification available to P2P teams today.
