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 →See the FeaturesRent, 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.
What the Price Includes
One purchase covers the sender side, the business side and the back office, rebranded and deployed onto infrastructure you control.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
These are indicative blended rates for fintech engineering, not quotes and not market statistics. They are here so you can run the multiplication yourself.
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 showsThe 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 publishedSix 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 changeEntering your corridors, fee tables, spreads, verification rules, risk thresholds and team roles is part of deployment.
- Nothing taken per transferTransfer 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 settingsWhen 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 handoverNode.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.
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.
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.
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.
Frequently Asked Questions
How much does white label remittance software cost?
Why should I budget per corridor?
Is renting a money transfer platform cheaper?
Do you take a share of transfers or the FX spread?
What do the six-day and 15+ day timelines each cover?
What sits outside the price, and what support comes with it?
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.
Explore White Label Remittance Software
$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 →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.
“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.
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.
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.
