White-label money transfer software to launch a P2P payment or remittance app

Respond to increased market demand for speedy money transfers with a progressive P2P transfer system, packed with the features your audience needs and values. Go to market in weeks, without breaking the budget.

Affordable and cost-efficient money transfer solution

API-first architecture

470+ REST APIs to integrate the software into your product and connect third-party services, including seamless bank transfers and mobile wallets integration.

Affordable subscription model

Get the SDK.finance functionality available in the cloud, ready to use in no time and at a reasonable cost, with options for international money transfers.

Source code license available

Get complete control over your banking solution by acquiring the source code license for maximum flexibility and no subscription fees.

Implement your money transfer app vision

In FinTech, there’s no one-size-fits-all all solution. Use our FinTech ledger platform as a powerful and reliable basis to build the remittance system that will meet YOUR customers’ financial needs and will comply with your target money transfer business location regulations.

Fully digital onboarding

Provide easy remote signup and authorization, plus the ability to upload documents for KYC/KYB procedures if necessary, all accessible via a mobile application.

Accounts in ANY currency

Let your customers deal with multiple currencies (fiat or not) you configure within the system. No limits as to asset type or the number of accounts per user, facilitating seamless international money transfers.

Borderless remittance services

Offer P2P transfers between users of the app out of the box. Integrate with payment or service providers to enable transfers between cards, wallets and mobile.

Bank&card payments

Integrate with a banking network to provide bank payments like IBAN, SWIFT, or with card vendors for card payment functionality, ensuring comprehensive financial services.

Bill payments

Integrate with local service providers to offer utility bill payments, mobile top-ups, or any other popular payments that bring value to your users.

Currency exchange

Allow customers to conduct currency exchange between accounts. Manage currency exchange rates manually or configure automated rates updates via pre-integrated providers.

White-label remittance Platform key features and functionalities

For your customers

Client onboarding

Accounts

Transactions

AML/Anti-fraud capabilities

Built-in CRM

User action history

Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC/KYB

- Automated (via pre-integrated vendors)

- Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor) (coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

For your business revenue

Contracts and vendors

Fees and limits

Reconciliation and settlement

Operations with cash

Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

-Liabilities in front of your clients

-Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Drive improved performance for your payment business

Shorten time to market

Our money transfer platform offers a kind of payment SDK to tailor it to your business needs and cuts down the development time in half at least.

Enhanced scalability

SDK.finance can handle over 34 million daily secure transactions on a basic configuration, thanks to its workload capacity of 400 transactions per second.

Out-of-the-box integations

SDK.finance money transfer software offers pre-integrated local service providers facilitating seamless cross-border transactions, card issuance, and KYC/KYB compliance. More information about integrations here.

White label remittance Platform with source code

Source code model

Get the ready API-driven backend along with back office for your team and the mobile app at your disposal, with unlimited customizations and cost-effective licensing options.

Designed for compliance

You get the freedom of modifications to make your product comply with any regulations. There's also no third-party access to your backend app or customers’ details (unless you grant it).

Easier integrations

470+ APIs let you integrate your instance of the remittance software with virtually any third-party provider or service, quickly and cost-effectively.

Case studies: money transfer solution in action

Payment acceptance

Geidea: MENA payment acceptance giant

Learn how a leading payment service provider from Saudi Arabia transformed its central transaction settlement system by integrating SDK.finance software into its existing POS network and managed an expansion to 3 countries.

Explore

Digital wallet

MPAY wallet and payment app

Discover how MPAY was able to transform a network of cash-in kiosks into a full-fledged payment app by integrating with SDK.finance software and building on it.

Explore

Get in touch. We’re eager to hear more about your project

Connect with our experts and learn how our Platform aligns with your product needs.

from 2,700

Transactions per second

12+

Years on the market

470+

APIs

60+

modules

Our pre-integrated partners

SDK.finance money transfer software FAQs

How to start up a money remittance business?

To start a money remittance business with SDK.finance you need to follow these 5 steps:

Clarify the product requirements.
Choose between a PaaS or source code version of the software.
Use the SDK.finance a white-label money transfer application engine as the core for your Product.
Handle the licensing issue according to the jurisdiction you’re going to operate in.
Launch your money remittance business.

How do money remittance businesses work?

Remittance software typically includes various features that enhance the user experience and ensure smooth transaction processing. Key functionalities include real-time exchange rates, which allow users to get the best value for their money, and secure payment processing to protect sensitive financial information. Additionally, user-friendly interfaces and transaction status tracking provide transparency and convenience, enabling users to monitor their transfers in real time.

Money remittance businesses provide money transfer services, collecting money from the sender and delivering it to the beneficiary. It can be a local service within one country or an international service between two or more countries.

The process of money transfer takes 3 steps:

The amount of money must be accessible in the sender’s bank account before a wire transfer may be carried out.
Money is sent to the recipient’s bank when a transaction is issued.
Once the funds are in the bank, a bank fee and an exchange rate are applied.

How do remittance businesses make money?

Remittance businesses make money by charging fees for international money transfers, currency conversion, and other financial services offered through their platform.

How to set up an online money transfer business?

Follow these 6 steps to set up an online money transfer business:

Consult legal experts in the field.
Create your business model.
Find a software partner.
Get a financial license.
Build your app quickly using a ready white-label remittance platform.
Launch your money remittance business.

What are the benefits of using SDK.finance for a money transfer business?

SDK.finance offers robust money transfer software for businesses, enabling quick setup and launch. Our Platform supports white-label solutions, allowing you to brand the software as your own.

One of the standout features of our remittance software is its support for various payment methods. Users can initiate transactions through bank transfers, card payments, and mobile wallets, offering flexibility and convenience. This variety ensures that users can choose their preferred method for sending and receiving money, making the remittance process more accessible and tailored to individual needs.

Can I request a demo of your white label money transfer app?

Yes, we offer video demos of the backoffice for your team and mobile app for your clients that you can access right away. If you need more details or have any questions, do reach out to us and we’ll be in touch with you shortly.