Cross - Border

Payments,

Simplified!

1

What is Transpay?

Transpay is full stack international funds disbursement platform built to

perform rapid money movement from sender to receiver. Transpay

addresses the core payout needs of beneficiaries by delivering funds directly

to their local bank accounts through a direct network of thousands of banks in

over 80+ countries around the world. Transpay also offers direct cash payout

in over 75+ countries through a network of 250K self appointed agents

The Transpay platform is best suited for Banks, Financial Institutions,

Payment Processors, Marketplace Operators, E-commerce companies who

have the need to move low value funds to any “business” or “individual”

Transpay’s payout network covers North America, South America, Western,

Central and Eastern Europe and Asia

Global Crowd Payouts

Capability OverviewClients

Marketplace Operators

Businesses/Corporations

Crowd Sourcingcompanies

E-commerce/ Payment Processors

MSB Requirement

Fulfillment

Real-Time Payouts to Beneficiary

Single Point API FTP Connection and order entry system

Cash Pickup for IndividualsDirect Bank Deposits

(Individuals & businesses)

Comparison

Payment Comparison to Philippines

Bank Processes Issues

international Swift message

Correspondent

Institution processes

inbound as

‘international’ Beneficiary Account is credited

funds minus ‘Beneficiary

Charge’

* FX rate $100

-$ 10

$ 90

x PHP xx.xx

PHP=x,xxx.x

Beneficiary Account is credited

funds, FX is based on rate of

the day and NO BENEFICARY

CHARGE OR DEDUCTIONS

$100

x PHP XX.XX

PHP= XX,XXX.

Few Hours- 24 Hours

3-5 days

Client Sends Wire

through Bank

Client Sends payment

through Transpay

Connection Points and Data Flow

Credit to Bank Cash-Pick Up

CENTRAL

API File Exchange

Transaction sent to

Network in real timeI

STP

(Straight Through Processing)

Reporting Compliance Foreign

Exchange/

Cash

Management

Licenses

Regulated under Patriot Act and the Bank Secrecy Act in the US

Licensed by state banking departments in over 30+ states

in the U.S.

Regulated and compliant with CFPB

Registered with FINCEN in the US and FINTRAC in Canada

Licensed and Regulated in the UK under the FSA

Compliant with European AML regulations and FATF

recommendations

Authorized to operate throughout the European Union under

Directive on Payment Services

Licensed by the Reserve Bank of India

Authorized by various Central Banks around the world

Global Crowd Payouts

Compliance

Regulation “E” (Dodd-Frank 1073) compliant

Strong and well defined Anti-Money Laundering (AML) program

Best practices and well defined policies / procedures diligently followed

to ensure highest compliance standards

State of the art transaction monitoring and client payment protection

systems

Inbuilt various “receive” country requirements with threshold monitoring

Well defined CFPB requirements in place

Global Crowd Payouts

Transpay’s network in EuropeAustria

Belgium

Bulgaria

Cyprus

Czech Republic

Denmark

Estonia

Finland

France

Germany

Greece

Hungary

Iceland

Ireland

Italy

Latvia

Liechtenstein

Lithuania

Luxembourg

Malta

Netherlands

Norway

Poland

Portugal

Romania

Russia

Slovakia

Slovenia

Spain

Sweden

United Kingdom

Ukraine

Direct Payout to banks in

all of Western, Central

and Eastern Europe

5,000+ Banks

Transpay network in The Americas

Argentina

Bolivia

Brazil

Canada

Colombia

Dominical Republic

Ecuador

El Salvador

Guatemala

Honduras

Mexico

Nicaragua

Panamá

Paraguay

Peru

Uruguay

USA

Venezuela

Chile

Transpay’s network in Asia

Bangladesh Palestine

China Belarus

India Kyrgyzstan

Indonesia Moldova

Nepal Georgia

Pakistan Armenia

Philippines Azerbaijan

Sri Lanka Tajikistan

Vietnam

Saudi Arabia

United Arab Emirates

Japan

Thailand

Taiwan

Kuwait

Bahrain

Yemen

Jordan

6000+Banks covered for

payouts in Asia

Transpay ‘s network in Africa

Global Payment Disbursement

Gambia Niger

Ghana

Guinea

Mali

Mauritania

Morocco

Nigeria

Senegal

Sierra Leone

Uganda

Egypt

Ethiopia

Togo

Cameroon

Jordan

500+Banks in all

Africa

Transpay’s network in the Caribbean

Anguilla

Antigua

Barbados

Guyana

Haiti

Jamaica

St. Kits & Nevis

Trinidad & Tobago

100+ Banks in the

Caribbean

Customer Support

Customers supported by best in class customer service

through own customer service centers

In-language customer service, fluent in: Spanish, Pilipino,

Hindi, Bengali, Urdu, French, Mandarin, Cantonese, Wolof,

Fulani, Portuguese, English and many other languages and

dialects.

Customer service centers located around the world operate

all year round (365 days) and offer 24x7 support to multiple

time zones

In-house customer service representatives (CSRs) undergo

intensive service and product training

Special features such as outbound calls and text messages

to alert beneficiaries

For further information please visit

www.trans-pay.com or to learn more