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Money Transfer Operators (MTO)

Money Transfer App Development

We live in a rapidly developing world where remittance money moves across borders every day with the help of digital payment services. If you want your customers to be able to send and receive payments quickly and easily, Softjourn’s developers have the experience and knowledge to make this happen. By leveraging our domain experience in finance, we can help our clients to make well-informed decisions when choosing the right tools to update their money transfer apps.
We live in a rapidly developing world where remittance money moves across borders every day with the help of digital payment services. If you want your customers to be able to send and receive payments quickly and easily, Softjourn’s developers have the experience and knowledge to make this happen. By leveraging our domain experience in finance, we can help our clients to make well-informed decisions when choosing the right tools to update their money transfer apps.
What We Do

Some of Our Financial Clients
PEX - softjourn's prepaid client
PayPartners - Softjourn prepaid card client logo
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Tacit Innovation - Softjourn's fintech client
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Some Features We Can Help You Develop or Upgrade

Fraud Prevention

Fraud Prevention

The best defense against digital bank fraud is to use a range of security features. Effective know-your-customer (KYC), and anti-money-laundering (AML) processes are the backbone of any secure money transfer service.
AML Compliance

AML Compliance

Adding another layer of security to prevent fraud is critical for money transfer apps and their users. By checking a customer’s data globally, banks can identify high-risk clients and take the measures necessary to protect other users.
KYC

KYC

With automated KYC registration and verification, financial institutions can verify the identity of users to keep their accounts safe. KYC verification helps money transfer apps provide a smooth client onboarding experience and minimizes fraud risk, which benefits all parties.
Digital Wallet

Digital Wallet

Allowing clients to have their money at their disposal and within easy reach is important. With digital wallets, money transfer apps users can have their accounts available through phone apps and take advantage of them for online shopping, paying bills, sending money, and much more.
Mobile Money

Mobile Money

Mobile money is a great alternative to classic bank accounts as it connects a person’s account with a mobile number. This service is popular in remote areas and in developing countries, where users don’t have easy access to banks or ATMs.
Send/Request money

Send/Request money

Sending and receiving money is embedded in every digital wallet. With additional ID checks, peer-to-peer transactions become safer for all your users. Regardless of the currency, every transaction can send money to another account in a matter of seconds.
Generate invoice/bill

Generate invoice/bill

If you would like to cater to the needs of freelancers, a cross-border invoice generator is a feature they will certainly find useful. With just a few taps, your clients can generate invoices and bills, and manage all their money through a single bank account.
Payment templates

Payment templates

Letting your clients use their accounts to pay bills and generate payment templates will make their everyday life much easier. With payment templates, all it takes is a few clicks once a month to send remittances, pay subscriptions and set up other recurring payments.
Payments analytics

Payments analytics

If your users would like to visualize transactions, monthly expenses or savings, payments analytics will allow them to better understand and manage their finances. With charts, clients can see how they’re spending money and how to keep up with their monthly expenses.
Prepaid cards

Prepaid cards

Prepaid payment cards have become an important way for people to access banking services without conventional KYC checks. They are easy to use and a safe alternative to cash, especially in less developed countries.
Virtual debit card

Virtual debit card

By offering virtual debit cards, you let your clients carry their money on their smartphone or smartwatch. They can easily shop online, using their device with Apple, Google or Samsung Pay, and know that their account is safe at all times.
Integration with banks

Integration with banks

By integrating your money transfer system with a bank, you will enable users to send and receive money, regardless of their location and the currency they are using.
International transfers

International transfers

While traditional money transfers can be long and tiresome, online transactions are by far the fastest way for clients to send remittances. With a few swipes, their remittances will reach their families.
Multi-currency

Multi-currency

Making it possible for your users to exchange currencies makes cross-border transactions more important than ever. With a few swipes, they can exchange dollars for any major currency and send them to another account.
Simplified onboarding

Simplified onboarding

A frictionless onboarding process that lasts no more than a few minutes will help your clients get the best first impression about your digital service. With database integration and seamless transition steps, Softjourn can help you put together a process that your users will enjoy.
Team Exntesion

Team Exntesion

Our team extension service, backed by our proficient remittance software developers, is designed to complement your existing workforce. We integrate seamlessly with your team, bringing our specialized knowledge in remittance solutions to expedite your project's progress.

Want to know how our financial experts can help your app?

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What Services We Offer

Whether upgrading an existing code or creating a new one, the most important expertise we offer is a proven approach to mitigating risk and containing costs. Discover more about Softjourn's expert Consulting Services. 

Often clients don’t know what product they need, but do know the results they want. Our job is to help define the product and develop optimal solutions to get those results. Learn more about Softjourn's Discovery Phase Services.

To compete, our clients continually need to provide new and better services. We have our own R&D Centers – started in 2008 – which uniquely positions us to do just that. Read more about Softjourn's Research and Development Services.

Our developers and illustrators are experts at UI and UX design. They will work with you to understand your needs in going from idea to prototype to deployment faster and at less cost. Explore further into Softjourn's Digital Product Design Services.

Financial software development has grown exponentially in recent decades. Softjourn is the solution to help you define and develop forward-thinking technology that gets real-world results. Get to know more about Softjourn's Software Engineering Services.

Our core belief is that analyzing and testing is critical because the essential role of software is so important. In the process, our Quality Assurance team helps you create superior products. Explore further into Softjourn's QA services.

Since day one, we’ve been providing application support and maintenance services to each customer on every project. It’s why we’re a proven, trusted partner and reliable asset. Get to know more about Softjourn's Application Support and Maintenance Services.

Our technology stack at Softjourn is designed to empower us to deliver world-class services to our clients. With a strong focus on innovation and efficiency, we continually adapt our expertise to stay ahead of the curve. Discover the Technologies and Frameworks we utilize, and learn how we can bring your ideas to life.

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Client Testimonials

Tacit Corporation chose Softjourn as their technology partner, impressed by our technical expertise and direct approach. Brenda Crainic, CTO of Tacit, highlighted, "Our Softjourn team developed and helped us certify most of our integrations with over 60 third-party systems, such as Point of Sale, payment gateways, loyalty and gift cards, players cards, student cards, lockers and most recently, autonomous stores.
Our team’s dedication to understanding Tacit's needs has been instrumental in enhancing their platform’s capabilities, ensuring robust system development solutions. This ongoing collaboration underscores our commitment to delivering high-quality, innovative services that support our clients' visions." - Brenda Crainic, CTO and Co-Founder of Tacit

Read the Full Case Study

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