Question 1

How long does an international transfer take?

Accepted Answer

Most major corridors settle in minutes. Bank deposits to slower markets settle same day or next business day, depending on local banking hours and cut-off times.

Question 2

What are your exchange rates based on?

Accepted Answer

We price from the mid-market interbank rate and show any margin explicitly before you confirm. There are no hidden spreads applied after the quote.

Question 3

Is TotalRemit licensed?

Accepted Answer

Payment, banking and card issuing services are delivered through licensed banking and payment partners in each market we operate in. Partner disclosures are provided during onboarding.

Question 4

What documents do I need to open an account?

Accepted Answer

Personal accounts require a government-issued photo ID and proof of address. Business accounts additionally require incorporation documents and beneficial ownership details.

Question 5

Are there limits on how much I can send?

Accepted Answer

Limits depend on your verification tier, destination country and funding method. Verified personal accounts typically start at 10,000 USD per transfer; business limits are set case by case.

Question 6

How does the credit builder card work?

Accepted Answer

You fund a refundable security deposit that sets your credit line. On-time payments are reported to major bureaus each month, helping establish a credit history.

Question 7

What payment methods can merchants accept?

Accepted Answer

Major card networks, digital wallets, ACH and local bank rails, plus recurring billing and invoicing from the same dashboard.

Question 8

How do you handle fraud and chargebacks?

Accepted Answer

Real-time risk scoring, 3-D Secure, velocity rules and device fingerprinting run on every transaction, with a chargeback workflow and evidence submission built into the dashboard.

Questions, answered plainly.

Common questions.

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