Merchant Account for Money Transfer & Remittance Services (Instant Approval)

Moving money across borders has never been more essential. Yet, for businesses in the remittance and money transfer space, securing a reliable merchant account is often a hurdle. Banks and processors usually flag for high risk industries, delaying approvals or layering on hidden fees.

In 2024, according to the Financial Stability Board, just 33.5% of cross-border retail payment services managed to credit recipients within one hour, and only around 69% did so within the same business day. This means most remittance businesses face delays that erode customer trust and stall growth.

At 2Accept, we do things differently. Our mission is to help you start processing payments fast, stay compliant, and grow without the usual headaches.

We specialize in money transfer and remittance merchant accounts that combine fast approval, transparent pricing, and full-service support. Whether you are a startup remittance operator, a growing fintech, or an established payout platform, we provide the tools and guidance to get you live in record time.

Go Live in 48 Hours with White Glove Onboarding & a Dedicated Payments Expert

According to the World Bank Group, in 2023, remittance flows to low and middle-income countries reached $656 billion, surpassing foreign direct investment and official development assistance. This highlights how critical fast, reliable payment processing is for businesses in the remittance industry.

Most providers take weeks or even months to set you up. At 2Accept, we’ve streamlined the process. Our instant approval pathway allows many businesses to start accepting transactions within just 48 hours, giving you a clear edge in a fast-moving market.

Quick Application and Fast Path For Low Risk Accounts

Our fast-track process is built for companies that already have clean financials and straightforward business models. You simply provide the required documents, and we handle the rest. By eliminating unnecessary roadblocks, we get you to market faster than traditional processors.

Assigned Account Manager Who Guides Your Onboarding

From day one, we’ll pair you with a dedicated account manager who understands your industry. They walk you through each step, from underwriting to integration, to guarantee you never feel stuck or left in the dark.

Get Expert Compliance Guidance, Not Generic Advice

Compliance is one of the biggest barriers for remittance companies. Regulators and processors demand strict adherence to anti-money laundering (AML) rules and know-your-customer (KYC) requirements. Failing to meet these standards can result in the shutdown of your business.

Processor Ready Reviews and Recurring Billing Guidance

We help you stay one step ahead by reviewing your processes before submission to processors. Our team checks your recurring billing structures, refund policies, and customer verification methods to ensure you’re processor-ready. This proactive approach reduces the risk of rejections or costly delays.

Access to Payment Attorneys for Complex Compliance Issues

For more complex cases, we connect you directly with specialized payment attorneys. Whether you’re navigating money transmitter licensing or facing regulatory questions, you’ll have the legal guidance needed to stay compliant without slowing down growth.

Protect Your Revenue with Proactive Fraud Monitoring and Chargeback Support

Fraud and chargebacks are two of the most damaging risks in the remittance industry. In 2021, merchants were responsible for 47.0% of losses from fraudulent transactions, a notable increase from 38.3% in 2011. This clearly highlights how costly these risks can be.

At 2Accept, we protect your revenue with powerful monitoring tools and dedicated chargeback management support.

Real-time Fraud Alerts and Velocity Rules

Our systems monitor transactions as they happen, flagging suspicious behavior instantly. Velocity rules limit repeated attempts, reducing exposure to fraud rings. By staying proactive, we help you minimize risks before they become significant losses.

Managed Dispute Handling and Match List Recovery Help

Chargebacks happen, but they don’t have to derail your business. Our chargeback team manages disputes on your behalf, giving you the best chance of winning reversals. If you’ve been placed on the MATCH list, we can also guide you through recovery, offering real solutions instead of empty promises.

Accept ACH, eCheck, and Card Payments Securely and Reliably

Your customers expect flexible payment options, and we deliver. With 2Accept, you can process ACH, eCheck, and major credit or debit card payments quickly and securely.

ACH and eCheck Setup for Lower Cost Transfers

For high-ticket or recurring transfers, ACH and eCheck solutions are cost-effective alternatives to card payments. They lower your transaction costs while still delivering reliable and trackable transfers.

Card Processing with PCI Compliant Practices

We also provide full card processing solutions with PCI-compliant infrastructure. This ensures that your business meets security standards while giving customers the convenience of paying with their preferred cards.

From Testing to Live: Activate Leading Gateways Quickly

Choosing the right gateway can be overwhelming, but we make it simple. We work with leading gateways to give you flexibility and peace of mind.

Authorize Net, NMI, Cybersource & Other Major Gateway Support

Whether you need Authorize.Net, NMI, Cybersource, or another industry-leading gateway, we activate and configure it quickly. You don’t need to figure out the technical details—we handle them for you.

Migration & Configuration Assistance

Already using another provider? Our team supports smooth migrations. From configuration adjustments to live testing, we reduce downtime and make switching providers seamless.

Launch Card Programs and Receive Hands-On Payout Consulting

Looking to issue cards as part of your service? Our consultants provide practical advice for launching branded debit or prepaid cards.

Card Issuing Strategy and Vendor Introductions

We guide you through card program strategy and connect you with trusted vendors. From selecting the right card partner to optimizing profitability, our team helps you launch with confidence.

Program Setup Guidance from Experienced Payments Consultants

Beyond introductions, we provide ongoing guidance during setup. We help align compliance, operations, and customer experience so your card program succeeds.

Access On-Site ATM and Cash Services for Local Payout Needs

For businesses that need physical cash solutions, we offer on-site ATM services that extend your payout capabilities.

Full Atm Setup and Ongoing Maintenance

We install and maintain ATMs tailored to your business environment. This helps you expand payout options for customers who still prefer cash access.

Operational Coordination With Local Vendors

We also manage relationships with local service providers to make sure ATMs remain reliable and operational without draining your internal resources.

Enjoy Transparent Pricing and Startup-Friendly Terms That Protect Your Margins

Hidden fees are one of the biggest frustrations in payment processing. At 2Accept, transparency is non-negotiable.

No hidden Setup Fees and Clear Processing Rates

We believe startups and growing businesses deserve predictable costs. That’s why we don’t charge setup fees and always provide clear processing rates upfront.

Sample Scenarios for Common Remittance Volumes

To help you plan, we provide real examples of how our pricing works at different volumes. You’ll always know what to expect without any surprises and gimmicks.

Streamline Your Operations with Simple Integration and Reporting

Efficiency is everything in a high-volume business. That’s why we make integration and reporting simple.

Integration Support for Common Platforms and Gateways

Our technical team supports integrations with popular gateways and platforms, reducing complexity and setup time.

Exportable Settlement Reports and Accounting-Friendly Data

For reconciliation, our system generates exportable reports compatible with your accounting software. That means less time managing spreadsheets and more time growing your business.

Experience Enterprise-Grade Security and Compliance

Security is at the core of everything we do. Our infrastructure and processes meet enterprise standards, so your data and your customers’ data stay safe.

PCI Compliant Handling and Encrypted Data Practices

We maintain PCI compliance across all card handling processes. Combined with advanced encryption, your transactions remain protected at every stage.

Audit Logs and Access Controls For Regulated Flows

We also provide audit trails and strict access controls, giving you the documentation and oversight you need for regulated industries.

Get Your Remittance Merchant Account Approved and Live in Just 48 Hours

At 2Accept, we understand the unique needs of money transfer and remittance businesses. Our streamlined process ensures you get up and running quickly, with the support and tools necessary to thrive in a high-compliance environment.

Step 1: Reach Out to Us

Begin by contacting us through our application form or by calling our team directly. We’ll gather initial information about your business and discuss your specific needs.

Step 2: Tailored Consultation

Our experts will engage in a detailed consultation to understand your business model, transaction volumes, and compliance requirements. This allows us to design a payment solution that aligns with your objectives.

Step 3: Submit Required Documentation

Provide the necessary documentation to facilitate the account setup process. This typically includes business registration details, recent bank statements, and a screenshot of your checkout page.

Step 4: Swift Approval Process

Once we have your documents, our underwriting team will promptly review them. Most approvals are processed within 24 to 48 hours.

Step 5: Seamless Integration

Our technical team will assist you in integrating our payment gateway into your existing systems, whether it’s a point-of-sale (POS) setup, an eCommerce platform, or a mobile application.

Step 6: Comprehensive Training and Ongoing Support

Receive thorough training on using our platform effectively. Our dedicated support team will be available to assist you with any questions or issues that may arise.

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Why Choose 2Accept for Your Remittance Merchant Account?

2Accept stands out as a partner, not just a provider, for your remittance and money transfer operations. Our approach ensures your business thrives while staying compliant and secure. Here’s how we make a difference:

• Accelerated Launch: Eligible accounts can go live in as little as 48 hours, helping you start processing payments without delay.
• Expert Compliance Support: Receive thorough processor-ready reviews and consult with specialized payment attorneys for complex regulatory guidance.
• Personalized Account Management: A dedicated manager is assigned to guide your entire onboarding and ongoing operations, to ensure a seamless experience.
• Proactive Risk Protection: Real-time fraud alerts, managed dispute handling, and chargeback support safeguard your revenue and reputation.
• Comprehensive Payment Acceptance: Support for ACH, eCheck, and card transactions ensures secure and reliable processing for all customer preferences.
• Seamless Gateway Integration: Full support for major gateways like Authorize.Net, NMI, and Cybersource makes migration and setup effortless.
• Transparent, Startup-Friendly Pricing: We offer clear, predictable rates with no hidden fees to help you manage margins effectively.
• Expanded Services for Growth: From card program consulting to ATM and cash handling solutions, we provide resources to enhance your service offerings.

Frequently Asked Questions

How quickly can I get my remittance merchant account approved?

Most eligible accounts can go live in as little as 48 hours. 2Accept provides a fast-track application process and a dedicated account manager to guide you through every step.

What types of payments can I accept with this account?

You can securely accept ACH, eCheck, and card payments. All processing is PCI-compliant, ensuring your transactions are safe and reliable.

Will I get help with compliance and regulatory requirements?

Yes. 2Accept provides hands-on compliance support, including processor-ready reviews and access to payment attorneys for complex remittance regulations.

Can I integrate my account with existing gateways and platforms?

Absolutely. 2Accept supports major gateways like Authorize.Net, NMI, and Cybersource, and offers integration support to make setup and migrations smooth.

How does 2Accept help protect my business from fraud and chargebacks?

We provide proactive fraud monitoring, real-time alerts, and managed dispute handling. Our team works to minimize risk and protect your revenue so you can focus on growing your business.

Unlock Instant Merchant Access and Grow Your Remittance Business

Stop waiting on approvals and start moving money fast. With 2Accept, your merchant account goes live in as little as 48 hours. Get dedicated guidance, secure payment processing, and compliance support built for remittance providers. Every step is designed to protect your revenue and help your business scale effortlessly.

Talk to your payments expert and see how quickly your account can go live—your first transaction could happen sooner than you think.

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