Money Transfer Software
Solutions in 2025
Author: Jennifer Smith
Last updated January 30
In today’s fast-paced financial landscape, businesses and individuals alike require efficient, secure, and cost-effective ways to transfer money across borders. From traditional banking services to cutting-edge fintech platforms, numerous companies are revolutionizing the way money moves globally. This guide highlights the top 20 software companies that provide innovative solutions for money transfers, offering everything from real-time payments and cross-border transactions to advanced security features. Whether you’re a financial institution or a business seeking to optimize your payment processes, these solutions are designed to streamline your operations and enhance your customer experience.
Overview: We provide a modular software platform designed for building fintech solutions, including money transfer software, digital wallets and neobanks. Our cutting-edge API orchestration technology enables seamless integration with multiple payment systems across the globe to provide extensive coverage, deep liquidity, and the best rates.
Key Features:
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Multi-currency support.
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Real-time payments: The platform supports instant processing and settlement of transactions, ensuring payments are completed in real time.
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P2P payments: Integration with payment or service providers is possible to support peer-to-peer transfers between cards, wallets and mobile devices.
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Bank and card payments: You can integrate with banking networks for bank transfers including SEPA, SWIFT, ACH, Wire and payout to cards.
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Customizable user interface: Financial institutions can personalize the platform with a customizable interface, enabling them to apply their branding and design preferences.
Why it Stands Out: Velmie is highly regarded for its scalability, flexibility, and intuitive design, making it an excellent choice for financial institutions aiming to provide their customers with a reliable and efficient solution for sending and receiving money, both domestically and internationally.
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Overview: FIS, founded in 1968, is a global leader in financial technology, providing services to banks, capital markets, and merchant industries. The company operates in over 130 countries, serving over 20,000 clients worldwide. FIS specializes in payment processing, financial software, and digital banking solutions, processing over $9 trillion annually through its payment solutions.
Key Features:
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Real-time payment infrastructure for faster transfers.
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Fraud protection and data security solutions.
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Multi-currency transaction processing.
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Integrated banking, payment, and capital market solutions.
Why it Stands Out: FIS’s comprehensive suite of financial technology solutions, combined with its large global reach and innovative payment processing technologies, make it a dominant player in the financial industry.
Overview: Paymentus is a leading cloud-based billing, payment, and money transfer solutions provider. The company serves utilities, financial institutions, and government agencies, providing a unified platform for bill presentation, payment processing, and customer communication. Paymentus supports millions of transactions monthly.
Key Features:
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A cloud-based payment platform with real-time processing.
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Integrated solutions for bill payment, money transfers, and invoicing.
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Support for multiple payment methods, including ACH, credit cards, and digital wallets.
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Customizable API for seamless integration.
Why it Stands Out: Paymentus excels in delivering a secure, scalable, and customer-friendly platform for managing payments and money transfers across a wide range of industries.
Overview: Fiserv, a global fintech and payment technology company, provides financial services technology to banks, credit unions, and investment firms. Fiserv processes over $75 billion in transactions annually and is renowned for its digital banking, payment processing, and data analytics capabilities.
Key Features:
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Real-time payments and card services.
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Digital payment platforms for mobile, online, and in-store transactions.
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Fraud prevention and cybersecurity solutions.
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Integrated digital banking and money transfer APIs.
Why it Stands Out: Fiserv’s expansive portfolio of digital banking and money transfer solutions helps financial institutions streamline operations and deliver secure, seamless payment services to customers.
Overview: ACI Worldwide provides real-time electronic payment and banking solutions for over 6,000 organizations globally. ACI processes $14 trillion in transactions daily and offers end-to-end payment solutions, including fraud prevention, mobile payments, and money transfers.
Key Features:
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Real-time payment and settlement processing.
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Omni-channel payments, including mobile and digital wallets.
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Fraud detection and management.
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API-based integration for seamless money transfer services.
Why it Stands Out: ACI Worldwide is recognized for its real-time payment processing and fraud prevention capabilities, making it a trusted partner for financial institutions and payment providers worldwide.
Overview: Temenos, a Switzerland-based software company, offers financial institutions an integrated platform for banking, payments, and money transfers. Serving over 3,000 institutions globally, Temenos supports millions of transactions daily, focusing on core banking, wealth management, and payment solutions.
Key Features:
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Core banking platform with integrated money transfer services.
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Open banking APIs for custom integrations.
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Real-time, multi-currency payment processing.
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AI-driven financial insights and fraud protection.
Why it Stands Out: Temenos is known for its flexible, modular banking software that supports large-scale digital transformation for banks, enabling them to enhance their money transfer services with real-time capabilities.
Overview: Bottomline Technologies provides innovative financial technology solutions for business payments, cash management, and fraud prevention. The company serves over 10,000 customers, including banks, corporations, and government entities, focusing on cloud-based payment and money transfer services.
Key Features:
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Secure payments and cash management solutions.
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Cross-border money transfers with multi-currency support.
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Fraud and risk management tools.
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API-based payment integration.
Why it Stands Out: Bottomline Technologies excels in offering comprehensive, secure solutions for payments and money transfers, particularly for businesses and financial institutions requiring enhanced fraud protection and cash management.
Overview: Jack Henry & Associates provides technology solutions for banks, credit unions, and financial institutions. The company offers digital banking, payment processing, and money transfer services to over 1,000 financial institutions, focusing on simplifying complex financial processes.
Key Features:
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Real-time payments and money transfers.
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Mobile banking platforms with integrated payment solutions.
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Secure, cloud-based money transfer services.
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Customizable APIs for third-party integrations.
Why it Stands Out: Jack Henry’s focus on real-time payments and secure cloud-based solutions makes it a reliable partner for financial institutions looking to modernize their money transfer capabilities.
Overview: Worldline is a global leader in payment and transaction services, with over 45 years of experience. Headquartered in France, Worldline operates in over 50 countries, providing cross-border payments, digital wallets, and money transfers. The company processes over €500 billion in transactions annually.
Key Features:
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Cross-border and real-time payment processing.
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Digital wallets and payment gateway solutions.
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Multi-currency support for global money transfers.
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Fraud management and secure transaction services.
Why it Stands Out: Worldline’s expertise in cross-border payments and its secure, scalable platforms for money transfers make it a top choice for businesses and financial institutions managing international transactions.
Overview: Ripple offers blockchain-based solutions for cross-border payments and money transfers. The company’s RippleNet network connects financial institutions worldwide, providing fast, low-cost international money transfers using cryptocurrency (XRP) as a bridge currency. Ripple processes billions in payments annually.
Key Features:
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Blockchain-based cross-border payment network.
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Real-time, low-cost money transfers.
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Liquidity management using XRP for faster settlements.
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Secure, transparent payment infrastructure.
Why it Stands Out: Ripple’s use of blockchain technology for fast, cost-effective international money transfers gives it a cutting-edge advantage in the evolving financial landscape.
Overview: Founded in 2001, Volante Technologies provides financial institutions with cloud-native payment and money transfer solutions. The company serves over 100 financial institutions globally, offering real-time payments, cross-border transactions, and integration with major payment systems like SWIFT, SEPA, and Fedwire.
Key Features:
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Real-time payments and cross-border transfer solutions.
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Integration with SWIFT, SEPA, and Fedwire networks.
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API-based platform for custom payment and money transfer solutions.
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Cloud-native, scalable architecture.
Why it Stands Out: Volante’s cloud-native, API-first approach to money transfers and its strong integration with global payment networks make it a powerful tool for financial institutions.
Overview: Finastra is a leading fintech company offering financial software solutions to over 9,000 institutions globally. The company provides services across payments, lending, treasury, and money transfers, supporting billions in transactions annually.
Key Features:
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Real-time payment and money transfer solutions.
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API-based open banking platform.
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Integration with SWIFT and other global payment systems.
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Cloud-based platform for secure money transfers.
Why it Stands Out: Finastra’s comprehensive open banking platform and integration with global payment systems make it a powerful tool for financial institutions looking to innovate their money transfer services.
Overview: Mambu is a cloud-native banking platform, providing services to fintech companies and financial institutions. With operations in over 50 countries, Mambu specializes in core banking, payments, and money transfer services, enabling institutions to build modern financial products quickly.
Key Features:
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Cloud-native core banking and payment solutions.
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Real-time, API-based money transfer services.
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Scalable platform for high-volume transactions.
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Integration with third-party payment networks.
Why it Stands Out: Mambu’s cloud-native platform enables financial institutions to launch money transfer services quickly and at scale, offering flexibility and innovation in an increasingly digital world.
Overview: Deloitte, a global consulting firm, offers digital banking and financial technology solutions through its Deloitte Digital arm. The company provides custom solutions for money transfers, payments, and digital banking, serving major financial institutions worldwide.
Key Features:
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Custom-built digital banking and money transfer platforms.
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Integration with global payment systems.
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Data analytics and AI-driven fraud detection for secure transfers.
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Scalable solutions for financial institutions of all sizes.
Why it Stands Out: Deloitte’s ability to design custom money transfer solutions and integrate them with global financial infrastructure gives it a unique advantage in creating tailored financial products.
Overview: Oracle Financial Services, a subsidiary of Oracle Corporation, offers a suite of financial services software, including solutions for payments, money transfers, and digital banking. Oracle’s solutions are used by banks and financial institutions globally to manage large-scale payment systems and cross-border money transfers.
Key Features:
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Scalable, real-time payment and money transfer platforms.
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Integration with global payment networks (SWIFT, SEPA, etc.).
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Cloud-based infrastructure for secure and efficient processing.
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Advanced fraud detection and compliance management tools.
Why it Stands Out: Oracle’s financial services software is known for its scalability and ability to handle high transaction volumes, making it an ideal solution for large financial institutions and banks managing cross-border payments.
Overview: Finacle, a banking solution developed by Infosys, provides financial institutions with end-to-end digital banking solutions, including payments and money transfers. Finacle is used by over 450 banks in more than 100 countries, processing millions of transactions daily with a focus on real-time capabilities and customer experience.
Key Features:
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Real-time, cross-border payment processing.
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API-first platform for seamless integration with payment gateways.
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Multi-currency and multi-channel money transfer capabilities.
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Cloud-native and scalable for high-volume transactions.
Why it Stands Out: Finacle’s real-time, cloud-native platform is highly regarded for its ability to handle complex, high-volume money transfers while offering a seamless and intuitive user experience.
Overview: Diebold Nixdorf, a global technology company, specializes in enabling connected commerce for the banking and retail sectors. Founded in 1859, Diebold Nixdorf offers solutions for self-service banking, including money transfers and digital payments. Its software supports banks and financial institutions in streamlining transactions and enhancing customer experience.
Key Features:
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Real-time transaction processing for money transfers.
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Multi-channel payment solutions, including mobile and digital wallets.
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Integration with ATMs and self-service kiosks for money transfers.
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Data analytics and fraud prevention capabilities.
Why it Stands Out: Diebold Nixdorf’s ability to integrate money transfers with self-service banking technology, such as ATMs and kiosks, provides a seamless, customer-friendly experience for financial institutions.
Overview: Thought Machine is a London-based fintech company providing cloud-native core banking technology. Its core product, Vault, enables banks to modernize their systems, offering real-time payments, money transfers, and multi-currency accounts. Thought Machine serves a growing number of banks globally, helping them innovate and streamline their financial services.
Key Features:
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Cloud-native core banking platform with real-time payments.
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API-driven architecture for custom money transfer solutions.
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Support for multi-currency transfers and accounts.
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High scalability for handling large transaction volumes.
Why it Stands Out: Thought Machine’s modern, cloud-based architecture enables banks to deliver real-time payment and money transfer services, offering flexibility, scalability, and cost efficiency.
Overview: Sila is a U.S.-based fintech company that provides a comprehensive suite of tools and APIs to simplify money movement, payments, and identity verification. Built with a focus on compliance and security, Sila enables businesses to integrate financial technology seamlessly into their applications. The company supports ACH transfers, digital wallets, and KYC identity verification, serving a wide range of industries including fintech, real estate, and digital marketplaces.
Key Features:
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API-driven platform for easy integration of ACH payments and digital wallets.
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Real-time identity verification (KYC/AML compliance).
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Built-in compliance with U.S. banking regulations and cryptocurrency support.
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Supports both fiat and blockchain-based transactions.
Why it Stands Out: Sila offers a flexible and developer-friendly platform with a focus on compliance, making it an ideal solution for businesses looking to handle payments, banking services, or tokenized transactions while staying within regulatory guidelines.
Overview: Nium is a global fintech company that provides remittance software and cross-border payment solutions for businesses and financial institutions. Founded in 2014 and headquartered in Singapore, Nium enables seamless money transfers across more than 100 countries with support for multiple currencies. The platform integrates real-time payments, compliance tools, and treasury management, making it a comprehensive solution for businesses looking to handle remittances and cross-border transactions efficiently.
Key Features:
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Supports real-time cross-border payments to over 100 countries.
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Multi-currency support and competitive foreign exchange rates.
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Integrated compliance tools for KYC, AML, and fraud prevention.
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API-driven platform for easy integration into existing systems.
Why it Stands Out: Nium's extensive global network and real-time payment capabilities, combined with built-in compliance features, provide a powerful remittance solution that allows businesses to scale their cross-border money transfers securely and efficiently.
Conclusion
The money transfer market is poised for significant growth in the coming years, driven by globalization, a growing migrant population, and the rapid adoption of digital payments. This presents substantial opportunities for fintech companies and money transfer services to capitalize on the evolving industry landscape.
With so many money transfer providers available, finding the right solution for your business can be challenging. Velmie digital banking platform and robust partner ecosystem offer a streamlined approach, enabling you to launch your money transfer app quickly and cost-effectively, tailored to meet your specific business needs.