Money Transfer Remittance Experience

Ensuring Best-in-Class Remittance Experience

Empowering cross-borders money transfer services to facilitate its users easily send and receive money electronically using mobile handsets across a network of banks or transfer agencies.

  • Mobile to Mobile Transfer
  • Mobile to Bank Transfer
  • Bank to Cash Transfer
  • Cash to Cash Transfer

Methods of cross-border money transfer

Allow your users to send money in different countries using various methods. These methods are explained in detail below.


Mobile-to-Mobile transfer (M2M):

In this type of international money transfer, the customers can simply send money to their family members and friends from their mobile phones. Similarly, the receivers can receive remittance directly into their mobile wallet account. The money thus received can be used for future financial transactions.

In this scenario, the amount sent is debited from the sender’s account and is credited to the receiver’s account after applying the applicable charges.


Mobile-to-Bank transfer (M2B):

This type of international remittance enables its users to directly send money from their mobile phone to their friends and family’s bank account. In this scenario, the amount debited from the sender’s account is credited directly to their friends’ and family’s bank account after applying the applicable charges.

You can achieve this by two ways. First, by direct API integration of receiver’s bank as per the technology support and allowed regulations. Secondly, by a 3rd party switch that allows all the international transfers.


Mobile-to-Cash transfer (M2C):

In this type, the customers can send money to their family members and friends via their mobile phones. The receivers on the other hand, can collect the money from IMT (International Money Transfer) partner agent in the form of cash.

For this, the receiver receives a code which he needs to produce at the IMT partner agent for cash collection. Once the transaction is completed, the sender receives a confirmation SMS of the same.

Assertive Features of Digipay’s International Remittance

Transferring funds abroad becomes easy with Digipay’s international remittance. It offers a variety of features that makes the transfer quick, simple, and secure.

Exchange rates

Set fixed and dynamic exchange rates for your customers via Google finance,, Yahoo, and many others.

Transfer speed

Define your international money transfer speed. You can also incur extra charges for a quicker transfer of funds across the borders.

Transfer limit

Set both maximum and minimum transfer limits for your customers depending on the different transfer media.

Forward Contract

With forward contract, you can allow you customers to lock a certain exchange rate for future transfers.

Limit order

Allow users to select an exchange rate of their choice. The transfer then takes place only when that rate is achieved.

Multiple pricing models

With fixed and variable commissions fees of agents, you can offer flexible pricing models to your users.

Collect KYC data

With our solution, you can easily collect the sender as well as the recipient KYC data through our registration functions.

Multi-party settlements

With our solution, you get reconciliation files and automated generation of multi-party settlements

International remittance flow

The diagram is of the international remittance flow which shows all the major stages and elements involved in the whole process.

Money Transfer Banner

What can you achieve with Digipay?

With Digipay, you can offer simple, fast, and secure international remittance services to your users. These services immensely benefit your users as well as your own business.

Monitor performance

Monitor your business performance with the help of comprehensive reporting provided by our solution.

Flexible operations

Carry out flexible operations effectively through forex management, fees and rates.

Integrate MVNOs and MNOs

Carry out easy integration of MVNOs, MVOs, and banks in order to use their accounts.

Regulatory Compliance

Achieve regulatory compliance with the local regulatory requirements for international remittance.

Secure remittance

Offer secure remittance services to your users with the help of an OTP based model.

Hassle-free process

Our whole system is online which reduces paper work and increases process and delivery speed.’s success over the years

Over the years, has successfully delivered several customized and top-notch digital wallet solutions for its clients. You can get a glimpse of a few of those works here.


FinTechUnder NDA has provided a dynamic e-wallet feature solution to its South African client

Coincidently, our client has the same name as ours. The only similarity that he lacks in the name is “.guru”. Our client “DigiPay” is a leading e-wallet service provider in South Africa Ivory Coast backed by Digital Afrique Telecom (DAT).

ZASouth Africa
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FinTechUnder NDA provides a feature-rich digital wallet solution to its Bahamas-based client

Alliance Mobile Solutions is a FinTech startup based in the Bahamas. It aims to offer utmost ease and convenience in person-to-person transfer, bill payments, and merchant payment services via a robust mobile wallet solution.

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Look through your eyes of insight to our insightful thoughts is born to simplify financial transactions. We love discussing the latest FinTech Solutions. We write regular blogs where we cover insightful topics with our insightful thoughts to cater you with imperative informations.