Licensed Infrastructure for Money Transfer Operators
Win and retain more clients with instant card-based remittances
Take the friction out of reaching globally distributed recipients, and you grow on both fronts: retain existing customers more effectively and expand into segments you could not serve before.
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Remitiva is a trading name of FM Finance Ltd — an FCA-authorised UK institution and a Principal Member of Visa, Mastercard, and UnionPay.
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Why Remitiva
One direct, accountable partner, providing solutions for Money Transfer Operators
Cut the middlemen out of your money
Remitiva is operated by FM Finance Ltd, an FCA-licensed principal member of Visa, Mastercard and UnionPay. No aggregator sits between you and the network. One party is answerable to the regulators and the schemes, and you have a direct line to that party the moment something needs resolving.
Don't let standard contracts limit your growth
The pricing model, settlement cycle, reserves, and transaction and velocity limits are often dictated by standard industry contracts. We define them with you, based on your actual risk profile, to unlock greater opportunities for growth.
Act on risks before they become issues
The real fear in this business is a sudden account freeze, with no warning and no one to call. With us you get the opposite. We flag risks to you early, while there is still room to act. You reach the person who can resolve risk issues straight away, instead of waiting on an aggregator behind a closed door.
Keep your stack, add just the rail
You do not need another enterprise suite full of modules you will never use. We are white-label card payout rails that plug into your stack through one API. Keep your tools, your front end and your brand. We add the payout engine underneath.
The competitive advantages of card payout solutions for Money Transfer Operators
Reach recipients a bank and wallet payout rails cannot
A card number is all you need, so recipients with no IBAN, no SWIFT details and no wallet become reachable.
Win the senders who now expect instant remittance
Senders have moved to apps and judge you on speed. With us, card payout lands in minutes, any day of the week, with nothing for the recipient to set up.
Win business senders on the simplest recipient experience
No wallet to open, no app to download, no verification to pass and nowhere to go for the recipient. The money lands on the card the payee already uses every day. For a sender choosing a provider, that frictionless experience is often the deciding factor
Open a dedicated China payout service
In mainland China the default card is UnionPay. As a principal member, we let international Money Transfer Operators push straight to Chinese cards, so you can launch a corridor your competitors struggle to offer at all.
Protect your margin on every transfer
Pushing straight to a card bypasses correspondent banks and physical cash agents, so your cost to deliver drops, and you decide whether to keep the margin or compete on price.
Cut the back-office remittance cost
A card payout takes one number, validated on the spot, so your team stops collecting and checking IBANs, SWIFT codes and country-specific bank formats. A wrong number fails instantly with nothing to recall or investigate.
A card payout costs around 30% less than cash and roughly 70% less than a bank transfer.
World Bank, Remittance Prices Worldwide
Ease of use ranked as a top reason people choose one way to send and receive money over another.
Visa Money Travels
The contest is over who delivers money fastest, simplest, and at the lowest cost.
Let’s move your business forward
How it works
From account top-up to transaction details – one simple flow
Use cases
However you operate, our card payout rails fits
If you already run multiple payout methods
You move money across wallets, banks and cash. We slot in through one API as an additional card rail, so you add instant card payout to the mix without disturbing anything that already works.
If you are building card-first
Make us your backbone. Our licenses and scheme membership are yours to build on, so you launch a card-payout product without becoming a principal member or wiring up cross-border card rails yourself.
If you work offline and in cash
No digital remittance infrastructure needed. Run payouts by hand from a business-ready portal, and offer card payout without building an app, an API integration or a front end of your own.
If you serve business clients
We can simplify the path of a Money Transfer Operator to becoming a Payment Facilitator within major card schemes, enabling you to onboard your own business clients wherever your licences allow.
Advantages
What partnering with us gives you
Fast integration and onboarding, with us alongside
A modern REST API, clear docs and a dedicated engineer get you live in 10-14 days. You are not left alone with the documentation, and compliance and onboarding run in parallel.
Direct access to our leadership
For strategic decisions that do not fit current terms, such as entering a new market, a step change in volume, or a commercial or risk question with real weight, you raise them directly with our leadership.
Strategic growth consulting
We do more than move money. We work with you to identify growth opportunities, refine operational processes, navigate regulatory requirements, and shape the roadmap for what's next.
A success manager who stays involved
A named success manager keeps your goals in focus, keeps the account moving, and escalates risk before it becomes a problem.
Expand your reach and retain more clients, delivering money directly to payment cards
Share your expectations
Discovery call
Commercial setup