Remittance Platform vs Cross-Border Payment Infrastructure: What Does Your Business Actually Need?
When choosing how to manage and deliver cross-border payments, it can be difficult to know whether you need a remittance platform, an infrastructure provider or both.
While infrastructure providers help move money between markets, your business also needs the tools to manage day-to-day operations and the flexibility to choose how payments are routed. Relying on a single provider can limit those choices when pricing or availability changes.
So, how do the two work together, and what role does a remittance platform play?
Watch the video to find out which model makes sense for you
Expand your reach without losing control
When customer expectations shift, your platform should be able to shift with them.
The RemitONE Money Transfer Platform brings your remittance operations and connections together in one place. Its customisable setup lets you set rates, configure compliance rules, add services that fit your business needs, from eSIMs and AI-powered tools to loyalty programmes. It’s also white-labelled software and an app, so you can launch and grow under your own brand.
As market conditions and customer expectations change, you can adapt your offering without being limited to a one-size-fits-all platform that only covers the basics.
Map out the setup that fits your business by booking a call with Oussama. It’s a free 1-1 call with you or your team to discuss your needs and see where we can help.
Travel eSIMs: unlock more revenue from your existing customers
The customer relationship is changing
For years, remittance businesses have measured their customer relationship in a single moment: the transfer. Most other customer spending has happened outside that relationship.
That’s starting to change. Global travel eSIM spend is projected to grow from $1.8 billion in 2025 to $8.7 billion by 2030
It’s one of the fastest-growing categories in consumer telecom. The operators T that succeed will not only be those that move money well. They will be the ones that stay relevant to customers between transfers.
The potential revenue opportunity
Take 50,000 active customers: at 20% adoption and £40 average annual spend, that’s £400,000 flowing through the business, with a meaningful share retained as margin, scaling with the customer base rather than transaction volume.
Offer travel eSIMs through your own brand
This is why RemitONE has introduced travel eSIMs within its platform.
Money Transfer Operator (MTO), banks and fintechs running on RemitONE can offer customers the ability to purchase and top up mobile data for use abroad, through their own branded customer experience. They can introduce an additional service without building telecom infrastructure or hiring specialist teams.
Stay relevant between transfers
The model is simple.
A customer already using your app to send money can also access and purchase a travel eSIM. This helps keep your brand relevant beyond the transfer and gives customers another reason to return.
Estimate your travel eSIM revenue
How much could travel eSIMs generate for your business?
Use the RemitONE Growth Hub calculator to estimate the potential opportunity based on your active customer base.
Calculate your potential travel eSIM revenue
Prefer to discuss the opportunity directly?
Email marketing@remitone.com or book a call with our team below:
RemitONE partners with Volume to expand open banking payment capabilities
Integration gives RemitONE clients faster, lower-cost customer funding through secure account-to-account payments
London, 28th May 2026 — RemitONE, a leading provider of money transfer software, has partnered with Volume to bring open banking payments to RemitONE’s global network of banks, money service businesses (MSBs), and fintechs.
The integration enables RemitONE clients to offer customers a faster and more cost-effective way to fund cross-border transfers using secure account-to-account payments directly from their banking apps.
As card processing fees continue to rise and remittance providers seek better ways to improve margins and customer experience, open banking is emerging as a powerful alternative to traditional card-based funding methods.
Through the integration, customers can authorise payments securely using biometric authentication within their banking app, with transactions settling in as little as 2.5 seconds. By reducing reliance on traditional card networks, businesses can lower payment processing costs, reduce chargebacks, and improve payment conversion rates.
Open banking payments have been shown to increase conversion rates by up to 250 percent while reducing payment fees by up to three times compared to card-based methods.
Volume’s infrastructure connects businesses directly to real-time bank payment networks, helping simplify account-to-account payment acceptance for remittance providers without the complexity of managing multiple banking integrations.
For RemitONE clients, the partnership provides immediate access to open banking payment capabilities without the need for separate procurement or complex integration projects. Clients gain greater flexibility in how they accept payments, alongside improvements to customer experience, operational efficiency, and transaction success rates.
Aamer Abedi, Chief Marketing Officer, RemitONE, said:
“Our partnership with Volume reflects our commitment to continuously expanding the RemitONE ecosystem with technologies that directly address our clients’ challenges. By enabling open banking payments within our platform, we are giving our clients another powerful way to reduce payment costs, improve customer experience, and streamline the funding process.”
Simone Martinelli, CEO & Co-Founder, Volume, said:
Volume exists to be the operating system that powers how remittance businesses accept payments. Our partnership with RemitONE means their entire network — hundreds of banks, MSBs, and fintechs worldwide — can now offer their customers instant, low-cost funding through open banking. It’s a fundamentally better way to move money into the remittance corridor, and we’re excited to make it available at this scale.”
This is one of many new integrations being rolled out to give RemitONE clients greater reach, smarter efficiency, and a stronger competitive edge.
If you would like to explore how this integration could support your business, please get in touch with the RemitONE team at marketing@remitone.com.
About Volume
Volume is the business operating system for payments, a one-stop infrastructure that connects businesses directly to real-time bank payment networks. By replacing fragmented payment integrations with a single platform, Volume enables remittance providers to accept instant, secure, low-cost payments from their customers. Founded in London by ex-Worldremit execs and backed by leading investment funds Firstminute Capital and United Venture, Volume works with leading remittance platforms worldwide.
For more information, visit www.getvolume.com
About RemitONE
RemitONE is a leading provider of money transfer software, powering a global network of banks, MSBs, and fintechs with technology designed to support compliant, efficient, and scalable remittance operations. Through a growing ecosystem of integrations and partners, RemitONE helps businesses expand their reach, improve operational efficiency, and deliver better customer experiences.
For more information, visit www.remitone.com
Media Contacts
Volume: Moises Gonzalez, Head of Marketing — moises@getvolume.com
RemitONE: Aamer Abedi, Chief Marketing Officer — marketing@remitone.com
If you’d like to activate or explore how this integration can help your business growth then book a free call or get in touch with us at marketing@remitone.com. This is just one of the many new integrations we’re rolling out to give our clients greater reach, smarter efficiency and a stronger competitive edge. So, stay tuned for more exciting updates.
Upcoming Webinar: Launch Cross-Border Remittance Services in Weeks with RaaS
Cross-border expansion is no longer just about where you grow.
It’s about how you grow.
Banks and fintechs today face mounting pressure to enter new corridors faster, reduce regulatory friction, and avoid committing years of investment before real demand is proven. Traditional expansion models — full licensing, infrastructure build-out, local partnerships, can be slow, costly, and complex.
But what if you could launch in weeks instead of years?
That’s where Remittance-as-a-Service (RaaS) comes in.
In our upcoming 30-minute webinar, we’ll explore how forward-thinking institutions are using RaaS to:
- Launch cross-border remittance services in weeks in the UK, Europe & US
- Test new markets before pursuing full licences
- Reduce regulatory and operational complexity
- Maintain control while scaling with greater flexibility
Secure your spot here: https://events.teams.microsoft.com/event/4058ee36-d33a-4ddf-9f68-4c4cf7895707@36d5614f-f651-4945-9632-7053acdae73a/registration
We’ll also examine how recent regulatory developments, including fast-track licensing frameworks, fit into the wider strategic decision-making process. When does it make sense to pursue your own licence? When is RaaS the smarter entry route? And where does a hybrid model deliver the greatest long-term advantage?
Who Should Attend?
This session is designed for:
- Fintechs scaling remittance services
- Banks planning international expansion
- Decision-makers evaluating speed, risk and long-term strategy
If cross-border growth is on your roadmap, this webinar will provide a practical, strategic lens on how leading institutions are rethinking expansion.
Join us for a clear, actionable discussion on how to launch smarter and scale with confidence.
Register now here: https://events.teams.microsoft.com/event/4058ee36-d33a-4ddf-9f68-4c4cf7895707@36d5614f-f651-4945-9632-7053acdae73a/registration
Upcoming Webinar: How Remittance Providers Can Unlock More Value From Every Transaction
Remittances is no longer just about sending money.
Today’s remittance providers are under pressure to do more with every transaction, move faster, open new corridors, and deliver added value to customers, all without increasing risk or operational complexity.
In this 30-minute webinar, we’ll explore how value can be unlocked at every stage of the remittance journey:
- Faster account-to-account payment initiation using open banking.
- Prepaid cards that give receivers faster access to funds and greater flexibility for everyday and online spend.
- Simple, convenience-led services such as travel eSIMs that strengthen customer loyalty.
- Broader and more reliable payout options across key corridors.
The discussion will highlight practical, real-world use cases and show how these can be implemented through a single, existing software with minimal disruption to your current operations.
Discover where hidden value lives within your remittance flow.
Register here: https://events.teams.microsoft.com/event/1e53507a-5998-4bf2-b7bd-f68aec69a4db@36d5614f-f651-4945-9632-7053acdae73a/registration
What the UK’s Fast-Track Licence Means for Fintechs Expanding Cross-Border
Expansion is a present-day requirement for banks and fintechs, but the routes to market are not one-size-fits-all.
Fast-track or provisional licences can offer a direct path into new corridors, yet they come with operational demands, regulatory ownership, and long-term obligations that may not suit every business model. At the same time, alternative approaches to expansion are gaining attention.
We’ll compare fast-track licensing and Remittance-as-a-Service (RaaS) so you can be more confident in choosing the option best suited to your needs and goals.
Why RaaS is Gaining Momentum
RaaS has been gaining more of an uptake by banks and fintechs because it allows them to:
- Grow new revenue: capture customers rapidly on the send side without losing time to regulatory delays
- Move faster to market: start offering cross-border services immediately, without waiting for provisional or full licences.
- Reduce internal strain: compliance, onboarding, and transaction flows are handled by the RaaS provider, freeing internal teams to focus on strategy and growth.
- Test and scale strategically: test new corridors without committing to long-term infrastructure or licensing obligations.
RaaS vs Fast-Track Licensing
The UK’s provisional licence is designed to help early stage fintechs get to market sooner, but it comes with limits:
- Time-bound operations (up to 18 months)
- Internal compliance and operational demands still remain
- Limited flexibility to test new markets or scale quickly
RaaS complements and even accelerates this process. In short, it gives you options and flexibility that a provisional licence alone cannot provide.
What This Means for Your Money Service Business (MSB)
For banks and fintechs looking to grow cross-border without unnecessary risk or delay, RaaS offers a practical path forward:
- Unlock revenue from existing customers more efficiently
- Free internal teams from operational bottlenecks
- Expand strategically while staying fully compliant
- Test new markets before committing long-term
Choosing the Right RaaS Provider
Not all RaaS providers are created equal, and the right partner can make a real difference to your speed, compliance, and strategic flexibility. When evaluating options, you should consider:
- Regulatory coverage: Ensure the provider understands your key markets and can manage compliance requirements across multiple jurisdictions.
- Platform maturity: Look for a solution that’s proven, reliable, and capable of handling the scale and complexity of your operations.
- Operational support: A strong provider will manage onboarding, transaction flows, and reporting, reducing internal strain.
- Value-added services: eSIMs, airtime, open banking are just some examples of how you can generate more revenue around the transaction whilst providing more benefits to your customer.
- Long-term partnership mindset: Beyond technology, the best providers work with you strategically, helping you test, scale, and optimise your cross-border operations.
At RemitONE, we’ve built our RaaS solution with these principles in mind. It’s designed to help banks and fintechs move quickly into new markets while keeping compliance front of mind, simplifying onboarding, and providing full transparency across transactions.
More than just a solution, you gain a partner who understands both the operational and strategic challenges, helping you navigate complexity with confidence.
Our RaaS is available for sending markets across the UK, Europe, and the US.
Next Steps
The remittance market is moving fast, and the right approach can help you enter new corridors with speed and confidence.
If you’d like to explore how RaaS could fit with your growth plans, book a free call with our team.
Episode 5: Your 2026 Headstart – Trends, Predictions & Insights Shaping Cross-Border Payments
2026 is shaping up to be a year of rapid change, and standing still is no longer an option. The question is: how will your business not just keep up, but grow on top?
In Episode 5 of the RemitONE podcast, Natalie Perkins sits down with Aamer Abedi (CMO) and Oussama Kseibati (Head of Business Solutions) to break down the trends shaping the year—AI-driven automation, evolving fraud patterns, shifting customer behaviour, and early Web 3.0 use cases—and what they mean for your business.
Those who act early will be best placed to grow, protect margins, and stay ahead. If you want to discover the forces redefining cross-border payments and turn them into opportunities, this episode is your roadmap.
You’ll uncover:
• How agile MSBs are outpacing larger incumbents across key corridors
• The product areas creating meaningful new revenue channels
• A fast-growing opportunity expanding 85% year-on-year
• What the convergence of remittances and payments means for long-term strategy
• The early indicators pointing to next year’s competitive advantage
Watch the full episode below:
2026 won’t slow down. Adapt, diversify, and seize the tools that will put your business ahead of the competition. Book a free call with our team, and we’ll walk you through a solution tailored to your needs.
Faster, Smarter, Cheaper – How AI is Transforming Cross-Border Transactions
Speed and cost have always been the sticking points in cross-border payments. Customers expect instant, low-cost transfers. Yet Money Service Businesses (MSBs) and fintechs are often held back by long settlement chains, high fees, and operational inefficiencies.
AI is changing that.
By processing massive datasets in real time, AI is unlocking faster, smarter, and cheaper ways to move money across borders.
Why Cross-Border Payments Lag Behind
A single remittance can pass through several intermediaries. Each one takes time. Each one adds a fee.
The result:
- Transfers can take days
- Costs remain stubbornly high
- Customers grow frustrated and switch providers
The World Bank estimates the global average remittance cost is 6.49%. For a competitive industry, that number is simply too high.
How AI Optimises Payments
AI isn’t just about automation. It’s about intelligence.
Applied correctly, AI can:
- Identify the fastest and cheapest payment routes instantly
- Predict potential delays and re-route transactions before they fail
- Monitor liquidity across multiple accounts and currencies
- Optimise foreign exchange rates in real time
This doesn’t just reduce costs. It improves reliability, which is just as critical for customer trust.
👉 See how RemitONE’s AI modules optimise routing and FX for MSBs.
Industry Momentum
We’re already seeing the results:
- SWIFT reports that 90% of wholesale payments now reach beneficiaries within one hour.
- Fintech startups are using AI tools to forecast liquidity and cut operational overheads.
The technology is moving quickly from pilots into production.
For MSBs, this means the tools are not just for global banks — they’re accessible now, at an affordable level.
Why This Matters for MSBs
Customers expect fast payments at competitive rates. Providers that can’t deliver both risk losing business to rivals who can.
AI makes it possible to:
- Reduce transaction costs
- Offer faster settlement times
- Compete with larger players on efficiency
This is particularly powerful for smaller MSBs, who often lack the economies of scale that global banks enjoy.
👉 Explore how our AI bolt-ons give MSBs enterprise-grade payment intelligence.
Where to Start
The best entry points for AI in payments are:
- Routing optimisation (reduce failures and delays)
- FX rate monitoring (improve margins without manual effort)
- Liquidity forecasting (stay ahead of cash flow risks)
Each of these can be deployed as a modular upgrade, without disrupting existing systems.
The Takeaway
AI is levelling the playing field in cross-border payments. What once required massive infrastructure is now available through targeted, affordable solutions.
For MSBs and fintechs, adopting AI in payment routing and FX is no longer optional — it’s a competitive necessity.
Want to cut costs and speed up settlement times?
Book a free strategy call to explore how AI bolt-ons can transform your payment flows.
Upcoming Webinar: AI in Cross-Border Payments – Winning Customer Loyalty and Cutting Fraud
Only 16% of cross-border payment customers stay loyal to the same provider.
That means most are just one bad experience away from switching, often due to slow transfers, fraud scares, or compliance headaches.
In this 30-minute RemitONE webinar, you’ll explore how AI is transforming cross-border payments by helping you tackle these challenges head-on.
You’ll discover how to:
💡 Use AI to retain customers and personalise payment experiences
🛡️ Detect and prevent fraud without slowing transactions
⚙️ Apply practical AI frameworks to boost compliance and efficiency
Plus, catch a live demo of our AI-powered loyalty use case in action.
📅 Tuesday 11 November 2025
🕒 15:00–15:30 GMT
Bring your questions, we’ll be answering them live!
Secure your seat now, as spaces are limited: https://events.teams.microsoft.com/event/3acd679a-a6a8-4182-9388-09b9403ff629@36d5614f-f651-4945-9632-7053acdae73a
Episode 3: How AI is Transforming Cross-Border Payments | The IPR Podcast
AI is transforming cross-border payments in real time. In Episode 3 of the IPR podcast, Dr. Senaka Fernando, a leading voice in digital transformation, reveals how AI agents can be the key to automating compliance, speeding up transactions, and even preventing fraud before it happens. From startups automating onboarding to banks upgrading systems without disruption.
Want to see how your business can stay ahead in the AI-powered payments game? Watch the full episode for practical strategies and real-world insights you can start using today.
At RemitONE, we’ve been developing new AI Agent tools designed to help you:
- Automate KYC/AML processes
- Expand payout infrastructure into new sending markets
- Offer value-added services like airtime, top-ups, and utility bill payments
Want to see how this can boost revenue for your business? Book a free call with our team.
