--- title: White Label Remittance Software Cost description: "Explore White Label Remittance Software Cost at $12,999 with source code, 6-day deployment, corridor licensing, payout partners, liquidity, hosting." url: https://miracuves.com/white-label-remittance-software/development-cost date_modified: 2026-10-01 author: miracuves language: en_US --- White Label Remittance Software · Cost # White Label Remittance Software Cost: $12,999, Paid Once The software is the one line in a money transfer budget you pay a single time. Everything else is priced route by route: permission to operate at both ends, a payout partner in the destination, money parked there in advance, and screening on every send. Below is what the platform costs, how that compares with renting one or licensing a script, and what each corridor adds on top. [Get Exact Pricing →](/white-label-remittance-software/)[See the Features](/white-label-remittance-software/features/) **$12,999** one time, source included **6 days** to a running platform **0%** of any transfer to us Budget unitOne corridor at a time What Every New Route Asks For 01Your license, or a licensed partner 02Correspondent and payout partners 03Liquidity funded ahead of demand 04Rules for that jurisdiction 05A screening fee on each send 06The software: bought once, $12,999 $12,999Paid Once 6Working Days to Deploy 15+Days for an Enterprise Rollout $0Per-Transfer Fee to Us Compare ## Rent, License a Script, Build or Buy Once Buyers searching for money transfer software end up choosing between four quite different deals. The headline number matters less than what keeps billing you, what the fee quietly covers, and who holds the code and the customer records a year in. | Question | Rented white label platform | One-time script license | Custom build | Miracuves platform | | --- | --- | --- | --- | --- | | What you pay to start | A setup fee | A single license fee, usually for the code alone | Hourly or milestone billing that grows with scope | $12,999, one time | | What keeps billing you | Monthly or per-transaction fees for as long as you trade | Usually nothing to the vendor, though update and support terms differ | An engineering team to keep it running | Nothing: no license fee, no revenue share, no per-transfer charge | | What the fee often covers | Hosting on the vendor's servers, and sometimes some of its own tooling | Rarely hosting; check what support is included | Only what you specified and paid for | Not hosting: it runs on your cloud, so that bill is yours | | Time until it runs | Fast onboarding | Install, then your own configuration | Typically a multi-quarter program | 6 working days; Enterprise rollouts 15+ days | | Code and customer records | The vendor keeps the code, and your records sit on its systems | Files on your server; ask about encrypted files or a license callback | Yours once the build is done | Yours: complete unencrypted source, database and every customer record | | Compliance tooling | The vendor's workflows and its risk appetite | Varies by script; confirm a review console exists before paying | Built from nothing, at added time and cost | KYC, KYB, AML and fraud queues, an audit trail, and hooks for the screening provider you contract | | Opening another corridor | When the vendor's roadmap gets there | Depends on how the code models a corridor | Another round of engineering | Configuration, once your license and partner are in place | | Licenses, partners and liquidity | Still yours | Still yours | Still yours | Still yours | The first three columns describe how those routes generally behave, not offers from us. A rented fee often bundles hosting that you pay separately here, so we do not claim a lower total cost of launch. What you can compare cleanly is a one-time software price against a fee that recurs for as long as you operate. And look at the bottom row: no software choice moves licensing, partners or pre-funding off your plate. Included ## What the Price Includes One purchase covers the sender side, the business side and the back office, rebranded and deployed onto infrastructure you control. **Sender apps for Android and iOS**Built in Flutter from a single codebase: balances in many currencies, sends abroad to saved recipients, card flows run with your issuing partner, payment links and money requests, an activity feed and account security settings. **Web app for senders and businesses**A React and Next.js browser surface for wallets, transfers, invoices, payroll, statements and organization accounts, with views shaped to each role. Today it is the most complete of the three customer surfaces. **Wallets, rates and rails**The multi-currency wallet ledger, an FX rate engine that applies your spread before the sender confirms, and payment gateway connectors. SEPA, SWIFT-alternative rails and a correspondent network are supported through the partners you contract and fund; live rails and live FX switch on once those agreements exist. **Compliance and risk queues**KYC and KYB review with verification checks, AML/CFT case queues, fraud review with transaction holds and risk profiles, real-time transaction monitoring with review queues, and hooks for the sanctions-screening provider your license requires. **Business accounts**Invoicing for freelancers, payroll runs, bulk and scheduled transfers, spend limits, team invites with role-based permissions and approval chains before money leaves. **Finance operations**Fee tables, settlement records, reconciliation, refunds and finance reporting, plus dashboards for revenue, volume and how each corridor is performing. **APIs and governance**Documented APIs, webhooks with delivery logs, OAuth and scoped API keys for payout partners and embedded-finance clients, and an audit trail recording who approved every balance change across five user roles. **Handover and support**Complete source, full rebranding, help with your store listings, 60 days of technical support, 6 months of priority bug fixes and 12 months of free updates. The review queues are what a payout partner's due diligence and a supervisor's examination both look at first. The platform is built to the controls they expect; holding the license and running the program behind those queues remains your job. Drivers ## What Moves the Number $12,999 buys the turnkey platform as the demo shows it. A separate Enterprise quote applies when your plan reaches into the areas below, and the first also lengthens the schedule. ### Tightly supervised or partner-led rollouts Banks, larger payment companies and partner-led programs usually need configuration that satisfies another party's controls and reporting as well as yours. A standard Enterprise rollout of this kind is stated at 15+ days rather than six. ### The screening and identity vendors you must use Review queues and screening hooks come in the base. Wiring in the particular identity, sanctions or monitoring provider that your license or your partner insists on is integration work, scoped once you know who it is. ### Local payout schemes per destination Each corridor already has its own rail, fee logic and rules. Connecting a specific domestic payment scheme at the receiving end, with its own message formats and settlement timing, is quoted corridor by corridor. ### Forwards, hedging and crypto FX forward contracts, hedging tools and the BTC, ETH and USDT wallet module with L2 routing are add-ons. If your routes leave you holding currency risk you mean to manage, raise this before scoping closes. ### Partner programs and several brands APIs, webhooks and partner access are in the base. An embedded-finance program where other businesses run on your platform, or several branded products on one shared codebase, is a deeper piece of work. ### Country rules and approval chains Extra review stages, verification handling that changes by country, richer approval chains and tiered organization access are add-on modules, priced against the jurisdictions you plan to enter. Each of these is named before you pay anything. You learn where the fixed tier ends from this page, not from a later invoice. Timeline ## The Six-Day Path to Live Six working days covers a standard install on routes you already have permission and partners for. Enterprise rollouts take 15+ days, and license applications follow a regulator's calendar, not ours. 01 ### Day one: routes and who covers them We list the corridors you want to open, the license or licensed partner behind each end, the payout and correspondent partners you have signed, and whether senders, businesses or both come first. Almost every later setting follows from that list. 02 ### Day two: your cloud and the ledger Services go up on your own cloud account with PostgreSQL holding wallets, ledgers and customer records. Monitoring, backups, the domain and TLS are configured, so data residency and access sit with you from the first day. 03 ### Day three: corridors, fees and the rate feed Gateway and partner credentials you hold are entered, each corridor gets its rail, fee table and rules, and the rate engine is pointed at the feed you choose with your spread set route by route. Test sends run on every corridor you are opening. 04 ### Day four: verification and risk rules KYC and KYB requirements are set for each jurisdiction, risk thresholds and hold rules are entered, the hooks to your screening provider are connected, and compliance staff receive permissions kept apart from support. 05 ### Day five: brand, teams and business tools Your name, logo and colors go onto the apps, the web app and the console. Team roles are assigned, and if you serve companies, invoicing, payroll and approval chains are switched on and configured. 06 ### Day six: walkthrough and handover Together we send a transfer, trip a rule on purpose so a second one lands in the review queue, and follow both through reconciliation. The repository then passes to you and the 60-day support window starts. Put plainly: six days gives you working software. Money moves on a corridor only once your license, partners and pre-funding for it are in place, and those take months that you drive. Context ## Regional Development Rates Thinking about a from-scratch build? These hourly bands let you price one against the team you would actually hire, instead of trusting a single headline total. | Region | Senior fintech engineer, blended hourly | What a cross-border build implies here | | --- | --- | --- | | North America | $140 - $250 | The highest bracket in any build-versus-buy comparison for regulated payments | | Western Europe | $110 - $190 | Deep SEPA and payments talent, and the regulatory familiarity that comes with it | | Gulf and Middle East | $70 - $150 | Frequently a major remittance corridor end; local knowledge is worth the rate | | Eastern Europe | $55 - $110 | Strong payments engineering depth and the common outsourcing choice | | Latin America | $45 - $95 | Growing corridor relevance as much as a cost consideration | | South and Southeast Asia | $30 - $70 | The lowest rate, and often the receiving end of the corridors you will serve | ### Engineering hours are the predictable part A cross-border transfer platform is a well-understood piece of software, and the bands above will size one sensibly. No engineering estimate can put a figure on the things that decide whether a route works: a money transmitter, e-money or payment license in each jurisdiction, a payout partner at every destination, balances funded there before senders arrive, and the compliance team a supervisor expects to meet. Price the build with the table, then price each corridor on its own, since the corridor is the unit a remittance business really runs on. **$12,999**Software, paid once **6 / 15+**Days: turnkey / Enterprise **Per route**Licenses and liquidity **0%**Of transfers to us These are indicative blended rates for fintech engineering, not quotes and not market statistics. They are here so you can run the multiplication yourself. Pricing Policy ## Why the Price Is Fixed, Not "Starting At" The turnkey platform is $12,999. Enterprise is its own quote with a stated rollout of 15+ days, and everything that pushes a project into it is listed above. ### What one fixed figure obliges us to - **You buy what the demo shows**The sender apps, the web app, the operator console, the review queues and the finance tools you can try today are what we deploy. - **Two timelines, both published**Six days for the turnkey platform and 15+ days for an Enterprise rollout. One schedule promised for every scope would not be an honest account of work in a supervised market. - **Setup is not billed as a change**Entering your corridors, fee tables, spreads, verification rules, risk thresholds and team roles is part of deployment. - **Nothing taken per transfer**Transfer fees and FX spread are how a remittance operator earns. We take no share of either, so your strongest routes are never the ones a vendor charges most. - **New corridors are settings**When your license and partner for a route are ready, you open it from the console rather than asking a vendor to schedule it. - **Unencrypted source at handover**Node.js, TypeScript and Flutter code passed to you under your brand, with no encrypted files and no license callback. A vendor that can switch your platform off is a dependency your compliance team will one day have to explain to a partner or supervisor. This codebase has no such switch. The price also carries no uptime promise, rate guarantee or certificate: those depend on your hosting, your partners and your own audits. Budget Honestly ## Hidden Costs Most Quotes Leave Out We charge for none of these, yet together they usually outweigh the software, and most of them repeat for every corridor you add. 01 ### Licenses at both ends, or a licensed partner Money transmission is supervised where the sender is and where the recipient is. Each jurisdiction means its own application, legal fees and a wait measured in months, and permission for one route never stretches to the next. Many operators start under a licensed partner instead, which carries its own fees. 02 ### Correspondent and payout partners Every destination needs a bank or local partner willing to pay out for you, and each runs its own due diligence on your business first. Whatever terms you negotiate become a fixed part of that corridor's cost. 03 ### Pre-funded liquidity For transfers to land quickly, money has to sit in the destination currency before senders ask for it. That is working capital locked up per route, and in most remittance plans it is the biggest single commitment. 04 ### KYC, AML and sanctions screening vendors The platform has the queues and the hooks. The identity checks and sanctions and PEP screening behind them come from vendors you contract, usually billed per check, so the cost climbs with transfer volume rather than with sign-ups. 05 ### People to run compliance A money laundering reporting officer or equivalent, plus analysts working alerts every day. Supervisors expect named, qualified people, and filing reports to each regulator stays with them. 06 ### Audits and penetration tests An external audit, regular penetration testing and, when a partner asks, a certification audit of your own company. The software holds no certificate; any certificate is issued to the operating entity after its own audit, each with a yearly bill. 07 ### Hosting and hardening The platform runs on your cloud account, so the monthly invoice, edge protection, backups and the hardening work done before live money flows are your costs. A rented platform often folds this into its fee, which is why we do not compare totals. 08 ### Rate exposure and returned transfers Between quoting a rate and settling, currency moves, and that gap is either a hedging cost or a risk you carry. Transfers that bounce on wrong details or closed accounts add fees and support time too, more so on a new route. Count how many of these attach to a corridor rather than to the company. That is the shape of the business: the software is bought once, while the right to operate is paid for again on every route you open. Business Model ### How the platform pays its way back Per-corridor fees, FX spread, card programs, payment links, business plans and metered API access, and what a route has to clear before it is worth opening. [See the revenue levers →](/white-label-remittance-software/business-model/) FAQ ## Frequently Asked Questions How much does white label remittance software cost? Our turnkey platform is $12,999 one time, deployed in six working days with the complete source, full rebranding and installation on your own cloud. Enterprise work, such as rollouts in tightly supervised markets, partner-led programs or extra integrations, is quoted separately at 15+ days. Licenses, payout partners, screening vendors and liquidity are your own costs, and per corridor they usually exceed the software. Why should I budget per corridor? Because each route needs permission at both ends, a payout or correspondent partner in the destination, money funded in that currency ahead of time, and rules suited to that jurisdiction. A license for one corridor does not cover another. You buy the software once, but the right to operate is effectively bought again for each new route, so choosing corridors is a commercial decision before it is a technical one. Is renting a money transfer platform cheaper? It is usually cheaper to start, because you pay a setup fee rather than a purchase price. After that, monthly or per-transaction fees continue for as long as you operate, and your records stay on the vendor's servers. The rented fee often includes hosting, which you pay separately with us, so we do not claim a lower total launch cost. Compare a one-time $12,999 against the recurring fee at your expected volume. Do you take a share of transfers or the FX spread? No. There is no revenue share, no license fee and no charge per transfer. Fees and spread are the whole income of a remittance business, so a vendor paid per transfer would collect most from your best routes. Here they stay with you in full. What do the six-day and 15+ day timelines each cover? Six working days covers the turnkey platform on corridors where you already hold a license or work under a licensed partner and have payout partners signed. 15+ days applies to a standard Enterprise rollout: banks, partner-led programs and multi-corridor operators whose setup must also meet another party's controls. License applications run separately and take far longer. What sits outside the price, and what support comes with it? Outside the price: licenses, correspondent and payout partners, pre-funded liquidity, KYC and screening vendors, audits, penetration tests and hosting. We supply software, never permission to operate and never custody of customer funds. Included: 60 days of technical support, 6 months of priority bug fixes, 12 months of free updates and help with store publishing, after which the unencrypted source runs on your infrastructure with no dependency on us. ## Buy the software once and keep every fee you charge Bring the corridors you plan to open and the partners you hold or are applying to. We will confirm the price, any Enterprise scope and the six-day plan before you commit. [Get Exact Pricing](/white-label-remittance-software/)[Compare Providers](/white-label-remittance-software/provider/) Explore ## Explore White Label Remittance Software [Overview](/white-label-remittance-software/) [Features](/white-label-remittance-software/features/) [Development Cost](/white-label-remittance-software/development-cost/) [Provider](/white-label-remittance-software/provider/) [Business Model](/white-label-remittance-software/business-model/) ## $12,999 once. Six days. The source is yours. Sender apps, a web app, multi-currency wallets, an FX rate engine, KYC, KYB, AML and fraud queues and corridors you configure yourself, running on a cloud you control while the licenses and partners stay in your name. [Talk to Us →](/white-label-remittance-software/) **Written by the Miracuves Product Team**· Reviewed for accuracy· Last updated **October 1, 2026** Miracuves · White Label Remittance Software Price, inclusions and rollout timelines cross-verified against the hub, 2026-10-01 Disclaimer Miracuves is an independent software development company. We are not affiliated with, connected to, sponsored by, or endorsed by **Wise** or any other money transfer, remittance or payments service. About this category “White label remittance software” describes a category of product, not any one company. Brand names appear elsewhere on this site only to describe the kind of platform being built and the terms buyers search for. Licensing is yours We supply software, not permission to operate. Obtaining the money transmitter, e-money or payment licenses on both ends of every corridor you serve, or operating under a licensed partner, is your responsibility, as are your correspondent and payout partners, safeguarding of customer funds, KYC, AML and sanctions screening, and reporting to each regulator. We do not advise on any of it. Who built this The entire design and codebase is built by our own team. The product contains no code, design, graphics, or content originating from any third-party money transfer website or application. All third-party names and marks belong to their respective owners. [Read our full Legal Notice & Disclaimer →](/disclaimer/)