Launch Your International
Money Transfer Business
Go Live in Under 30 days with our License Coverge (RaaS) Model.
The "Invisible" Costs of Global Expansion
Before you build, understand the terrain. Here is the regulatory reality across key markets if you choose to go it alone.
Europe (EEA)
The Fragmentation Headache
- 30+ National Regulators despite passporting rules.
- Specific local director requirements in key hubs.
- 12-18 Months for EMI license approval.
USA
The 50-State Trap
- It's not one license. It's 50 State MTLs.
- $1M+ in legal fees & surety bonds.
- 2+ Years to achieve full national coverage.
Canada
The Banking Illusion
- Registration is easy. Banking is hard.
- Tier 1 Bank Rejection is common for new MSBs.
- 7-8 Months waiting for bank compliance.
Australia
The Payment Gateway Trap
- The hardest part isn't the license, it's the Payment Gateway.
- Major gateways often refuse to partner with new remittance startups.
- Founders face a 7-8 month game of rejection and waiting.
The Annual DIY Burn Rate
While you wait for approval, you are bleeding cash.
$250k /year
$100k /year
$0.00
The Paths You Can Choose
Launching a money transfer business involves a critical choice in your go-to-market strategy. Here's a comparison to help you decide.
| Feature | The RaaS Path | The DIY Path |
|---|---|---|
| Time to Market | Launch and generate revenue in as little as 30 days. | 12-24 months of burning cash with zero revenue. |
| Upfront Capital | A predictable, fixed fee to get started. | Huge upfront cost in legal and staffing fees before earning your first dollar. |
| Licensing & Legal | Go to market immediately under our fully audited, globally-recognized licenses. | Navigate a labyrinth of paperwork and regulatory reviews with no guarantee of approval. |
| Operational Team | Our expert team becomes your team, handling all compliance and reporting. | Hire and manage an expensive, full-time team (Compliance, Risk, IT) from day one. |
| Your Focus | 100% on what matters: Acquiring customers and growing your business. | Building infrastructure, satisfying regulators, and managing internal processes. |
| Risk Profile | We manage the AML/CTF obligations, protecting your brand and operations. | You bear 100% of the regulatory risk and the burden of complex AML/CTF management. |
| Core Benefit | Speed, focus, and capital efficiency. | Full control, but only after years of effort and massive capital investment. |
The key takeaway: The RaaS path allows you to learn the ropes of the business and build a strong customer base first. This ensures that when you're ready to invest in your own license, your business is already profitable and positioned for success.
Understand Remittance-as-a-Service (RAAS) Model
Estimate Your RaaS Costs
See how the economics stack up when you scale.
Disclaimer: The rates and service fees shown are for illustrative purposes only. Final costs and fee structures will depend on the specific partner and jurisdiction.
Adjust Your Estimated Monthly Activity
Live Service Fee Calculation
KYC Fees (@ $2.00/customer)
$100.00Payment Collection Fees (@ $1.50/tx)
$750.00Total Service Fees Generated:
$850.00Your Estimated End-of-Month Statement
Monthly Minimum Commitment (Pre-paid):
$1,000.00Total Service Fees Generated:
$850.00Less Pre-paid Credit:
-$1,000.00Payable Balance:
$0.00Scenario A: Usage is covered by your pre-payment.
Now you have an idea of the costs.
Let's work together to review the essentials and build your path to a successful RaaS partnership.
RaaS (License Partnership) Readiness Checklist
Let's see if you're ready for partnership, scaling your business, and achieving profitability. Answer "Yes" or "No" to each item to define your best next step.
Business Plan
Defining how you will build good volume in the shortest possible time?
Financial Projections
To see how long will it take to break even?
Operational Funding
How much cash do you need to keep the business running smoothly at all times?
Technology Platform
A great customer-facing web & mobile app along with robust admin panel to manage your operations.
Ready to Take the Next Step?
Need Help Preparing?
A professional business plan, financial projections is non-negotiable. Build a compelling plan and financial model to get you RaaS partnership ready.
Help Me Build My PlanChecklist Complete? Let's Talk.
You have your plan and technology like RemitSo in place. Our team is ready to facilitate an introduction to the right partner for your business.
Start the ConversationFAQs
What exactly is "Remittance as a Service (RaaS)"?
RaaS is a business model where a company (the RaaS partner) provides its financial licenses and regulatory compliance framework to other businesses. This allows you to launch a money transfer service under their umbrella by plugging in your own technology, saving you the time and expense of acquiring your own licenses and building the compliance infrastructure from scratch.
Who owns the customer relationship and data?
You do. While you operate under the partner's license, your customers are yours. You manage the branding, marketing, and front-end relationship. Crucially, your customer data is stored in your system (like the RemitSo platform), ensuring you retain control and can migrate if you decide to get your own license in the future.
Can I switch to my own license later?
Absolutely. The RaaS path is the perfect way to test the market and build a sustainable business. Once you have a proven track record and sufficient volume, transitioning to your own license is a natural next step. We can even provide guidance on that process when the time is right.
What if I don't have a technology platform like RemitSo?
A robust technology platform is a non-negotiable requirement for any RaaS partner. If you don't have one, our RemitSo white-label platform provides everything you need out-of-the-box, from customer apps to a full admin back-office. It's the fastest way to check that box and get partner-ready.
What if I don't have a technology platform like RemitSo?
A robust technology platform is a non-negotiable requirement for any RaaS partner. If you don't have one, our RemitSo white-label platform provides everything you need out-of-the-box, from customer apps to a full admin back-office. It's the fastest way to check that box and get partner-ready.
