Banking & Rails for Remittance Companies

Licensed money transmitters need U.S. bank accounts, funding rails and payout coverage that survive de-risking. Our service partners list MSBs and money-transfer companies as a core customer, and Roots helps you scope, apply and integrate.
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Payment solutions for remittance & money transfer companies

How these solutions fit remittance & money transfer companies

See what each option adds to the way your business takes and tracks payments.

Multi-Currency Payments

For remittance & money transfer companies: Collect international transfers and cross-border service charges in the currencies your customers use and reconcile them against the original order or invoice. Our service partners offer SWIFT, local bank networks and stablecoin rails from a single queue, with coverage in exotic currency markets. That cuts down the per-corridor vendor sprawl remitters deal with. Provided through service partners coordinated by Roots.
  • Match your currency corridors to our service partners’ coverage before you apply
  • Prepare entity and beneficial-ownership documentation for KYC approval
  • Connect multi-currency balances and FX activity to your accounting system
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Stablecoin Settlement

For remittance & money transfer companies: Explore stablecoin settlement for amounts owed to overseas suppliers and verified recipients, with recipient and invoice references retained. Stablecoins can move value to payout partners around the clock, which reduces the capital parked in corridor pre-funding accounts. Provided through service partners coordinated by Roots.
  • Decide where stablecoins actually improve your settlement, and where ACH or wire is still the better rail
  • Coordinate onboarding with our service partners and scope the payment program around your volume
  • Build the reconciliation between on-chain transactions and your ledger
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Embedded Payments

For remittance & money transfer companies: Put checkout for international transfers and cross-border service charges inside your software, keeping payment events connected to customer and operating records. Our service providers structures programs so the sponsor bank can see your customers, transactions and compliance record, which is what keeps MSB banking relationships stable. Provided through our licensed banking and money-transmission partners.
  • Scope the program: accounts, money flows, and which parts need a sponsor bank
  • Package your business plan and compliance program for partner and sponsor-bank review
  • Build or support the API integration and your customer onboarding flows
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Payouts

For remittance & money transfer companies: Distribute amounts owed to overseas suppliers and verified recipients, with payment references matched to recipient countries, invoice currencies and transfer references. Roots designs payout flows that send remittances to bank accounts and supported wallets, with status tracking your customers can see. Provided through our licensed banking and money-transmission partners.
  • Design your payout flow: funding, approvals, timing and recipient experience
  • Handle the partner application and underwriting package
  • Build the integration between your platform and the payout API
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ACH Payments

For remittance & money transfer companies: Offer bank-account payments for international transfers and cross-border service charges, with authorization and invoice matching built into the workflow. ACH is the lowest-cost funding method for many senders. Roots sets up ACH with account verification and return-risk controls.
  • Set up ACH processing matched to your risk profile and volume
  • Design authorization language and flows with your compliance team
  • Integrate ACH into your app, portal or billing system
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Transfer initiated

$19,806.00 · ref ACH-7731

Crypto Payments & Conversion

For remittance & money transfer companies: Plan a digital-asset payment option for international transfers and cross-border service charges, with conversion and reconciliation mapped to the sale. When a corridor settles in stablecoins, recipients still need local currency. Our service partners connect on/off ramps and local payout partners. Provided through service partners coordinated by Roots.
  • Map your flows first: who pays, in which asset, on which network, and where the dollars land
  • Assemble KYB, ownership and compliance documents for our service partners’ onboarding review
  • Build custom integrations that push conversion and settlement data into your accounting or ERP
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Remittance & Money Transfer Companies payment questions

Start with the workflows your business needs. Options on this page include Multi-Currency Payout Rails for MSBs, Stablecoin Corridors for Remittance, Bank Sponsorship & Accounts for MSBs. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review customer payment collection, settlement preferences and reconciliation, then plan the changes your remittance & money transfer companies business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which remittance & money transfer companies workflows need to improve so we can scope a practical setup.

Let’s set up payments for your remittance & money transfer companie business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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