Cross-Border Remittance. Simplified, Controlled, Connected.
A comprehensive remittance management and payout platform designed to automate the complete lifecycle of international money transfers — from transaction ingestion and validation to AML screening, authorization, multi-rail disbursement, settlement, reconciliation, and reporting.
Tek-Remittance provides financial institutions and remittance businesses with a centralized platform to manage inbound remittance transactions, compliance checks, operational processing, disbursement, settlement, and reconciliation.
The platform connects transaction sources, MTOs, agents, compliance workflows, banking channels, and payout operations into a single controlled environment.
From transaction acquisition and file processing to AML screening and final payout, every transaction is tracked through its complete lifecycle with role-based access, authorization controls, audit trails, and operational reporting.
"One platform between your transaction sources and your payout rails."
Receive remittance transactions through multiple channels including MTO integrations, APIs, SFTP, and structured file uploads. The platform validates incoming transaction data, applies configured business rules, and routes transactions through the appropriate processing workflow.
Process structured remittance files using configurable file templates and validation rules. Transactions with missing, invalid, or inconsistent information are automatically identified and routed to the Repair Queue, allowing authorized users to correct and resubmit transactions without restarting the entire process.
Screen remittance transactions against configured AML and compliance rules before disbursement. Transactions requiring further investigation are placed into the AML/Screening Queue for review, approval, rejection, or additional action. This provides a controlled compliance layer before funds are released.
Manage approved transactions through a centralized Disbursement Queue and route them through the appropriate payout channel. Supported disbursement channels include Fund Transfer (FT), IBFT, Raast, RTGS, and Cash / COC Payout. The platform provides visibility into transaction status throughout the disbursement lifecycle.
Apply role-based authorization, transaction limits, maker-checker workflows, and operational controls before completing sensitive transactions. Each transaction maintains a complete audit trail of processing activities, user actions, approvals, and status changes.
Manage post-disbursement settlement and reconciliation while maintaining a centralized record of transaction activity. Generate operational, financial, settlement, reconciliation, MIS, and audit reports to support management and regulatory requirements.
Manage MTOs, agents, branches, accounts, configurations, and operational relationships from a centralized platform.
Support exchange-rate processing, live feed margins, and real-time calculation for remittance transactions.
Calculate and manage applicable rebates and agent/MTO rebate sharing according to configured business rules.
Support automated Electronic Proceeds Realization Certificate (ePRC) generation and management as part of the processing lifecycle.
Track every transaction from acquisition through validation, compliance, authorization, payout, settlement, and reconciliation.
Maintain detailed immutable audit trails and operational visibility across users, transactions, approvals, and processing stages.
"Eleven stages, four phases — every handoff audited."
Transaction Acquisition — Multi-channel ingestion via MTOs, APIs, SFTP, and file uploads.
Validation & Business Rules — Automated schema, account, and parameter validation.
Repair Queue — Automated isolation of invalid entries for authorized operator correction.
AML / Compliance Screening — Pre-disbursement checks against global sanctions and PEP watchlists.
Disbursement Queue — Centralized routing and payout queue management.
Authorization & Transaction Limits — Role-based maker-checker dual authorization.
Multi-Rail Payout — Execution across FT, IBFT, Raast, RTGS, and Cash / COC.
Banking / Payment Integration — Straight-through Core Banking and network settlement.
Settlement Execution — Inter-bank clearing and treasury balance updates.
ePRC & Reconciliation — Automated Electronic Proceeds Realization Certificate generation.
MIS / Regulatory / Audit Reporting — SBP cross-border reporting and full transaction audit logs.
We assess the institution's remittance workflows, MTO integrations, payout channels, compliance requirements, settlement processes, reporting needs, and existing banking infrastructure.
Transaction templates, business rules, user roles, authorization limits, exchange rates, rebate rules, payout channels, and reporting requirements are configured. Integration is performed with MTOs, Core Banking, 1LINK, Raast, RTGS, and AML systems.
End-to-end transaction scenarios are configured and tested across acquisition, validation, repair, AML screening, authorization, disbursement, settlement, and reconciliation. UAT is performed with operational and compliance teams.
Tek-Remittance is deployed into the production environment with operational support during go-live. Post-deployment support covers transaction processing, integrations, reporting, monitoring, and performance scaling.
Book a 30-minute demo and see exactly how it applies to your environment.