How do I send money? ▾
4 simple steps:
1. Enter the amount you want to send and select the destination country.
2. Add your recipient's details (name, mobile number or bank account).
3. Choose your payment method (card, bank transfer, Zelle, etc.).
4. Review and confirm — your money is on its way instantly.
Start a transfer →
How long does a transfer take? ▾
Delivery speed depends on the method your recipient uses:
• MonCash / NatCash (Haiti) — under 2 minutes
• M-Pesa / MTN MoMo / Orange Money — under 5 minutes
• Bank deposit — 1–3 hours (same business day)
• Cash pickup — available within 30 minutes at partner locations
You and your recipient both receive an SMS and email confirmation the moment funds arrive.
How do I send money to Haiti via MonCash? ▾
Select Haiti as the destination and MonCash as the delivery method. Enter your recipient's Digicel/MonCash phone number (without the country code). Funds appear in their wallet within 1–2 minutes after your payment is processed. The recipient gets an instant SMS notification.
What countries can I send money to? ▾
We support transfers to
50+ countries, including:
🇭🇹 Haiti · 🇳🇬 Nigeria · 🇬🇭 Ghana · 🇰🇪 Kenya · 🇸🇳 Senegal · 🇨🇮 Côte d'Ivoire · 🇨🇲 Cameroon · 🇮🇳 India · 🇵🇭 Philippines · 🇧🇩 Bangladesh · 🇲🇽 Mexico · 🇨🇴 Colombia · 🇯🇲 Jamaica · 🇩🇴 Dominican Republic · 🇹🇹 Trinidad & Tobago and more.
See all supported countries and rates →
Can I cancel a transfer? ▾
Yes — within 30 minutes of submission, as long as funds have not yet been paid out. Go to Dashboard → Transactions, find the transfer, and tap "Cancel."
After payout begins, cancellation is not possible. If you notice an error immediately after submitting, contact us via live chat — we respond in under 2 minutes during business hours.
What is the maximum I can send? ▾
Send limits are based on your verification level:
• Unverified account — up to $999 per day
• ID-verified account — up to $10,000 per day / $50,000 per month
• Business account — custom limits, contact us
Verification takes under 3 minutes and unlocks your full sending power.
What payment methods are accepted? ▾
From the United States:
💳 Credit / Debit Card (Visa, Mastercard) · 🏦 Bank Account (ACH) · ⚡ Zelle (10% fee) · 💚 Cash App · 🅿️ PayPal
From Canada:
🍁 Interac e-Transfer · 💳 Credit / Debit Card
From Europe:
🏦 SEPA Transfer · 🔵 Carte Bleue · 💜 Wise · 🟣 Lydia / Sumeria · 💳 Card
All payment methods are encrypted end-to-end and PCI-DSS Level 1 compliant.
Can I send from Canada using Interac? ▾
Yes! Canadian senders can pay via Interac e-Transfer to fund transfers anywhere we operate. Select Canada as your sending country and Interac as your payment method. You'll receive our Interac email address and a security question to complete the payment. A flat fee of CAD $2.99 applies.
Are card payments instant? ▾
Yes — credit and debit card payments are processed instantly through Stripe (PCI-DSS Level 1). Your card details never touch our servers. Once the card charge succeeds, your transfer is immediately queued for delivery. You'll see a "Payment confirmed" status within seconds.
What is the minimum transfer amount? ▾
The minimum transfer is $5 USD (or equivalent in CAD/EUR). This ensures the flat fee is proportionate to the amount sent. For mobile top-ups, the minimum is $1 USD.
How do I track my transfer? ▾
Three ways to track:
1.
Track Transfer page — enter your Transfer ID (found in your confirmation email)
2.
Dashboard → Transactions — see all your transfers with real-time status
3.
Email / SMS notifications — you receive an alert at every status change automatically
My transfer is pending — what do I do? ▾
"Pending" means your payment was received and the transfer is being processed. Most pending transfers resolve within 15–30 minutes.
If it has been pending for more than 2 hours, please contact our support team via live chat or email with your Transfer ID. We investigate all delayed transfers within 1 business hour.
What do the transfer statuses mean? ▾
• Pending — payment received, processing in progress
• Processing — transfer is being sent to the recipient's network
• Delivered — funds arrived. Recipient notified ✅
• Failed — delivery was unsuccessful (wrong number, network down). A full refund is issued automatically within 1–3 business days
• Cancelled — you cancelled before payout. Refund issued within 24 hours
My recipient says they didn't receive the money. What now? ▾
If the dashboard shows "Delivered" but the recipient hasn't received funds:
1. Ask them to check their MonCash/mobile money balance (sometimes delayed by carrier)
2. Confirm the phone number / account number was entered correctly
3. Contact us with your Transfer ID — we will trace the payment with the receiving network within 24 hours
We guarantee delivery or a full refund. No exceptions.
Why do I need to verify my identity? ▾
Identity verification (KYC — Know Your Customer) is required by US federal law (FinCEN) and Canadian regulations (FINTRAC) for all licensed money transfer services. It protects you and your family from fraud, money laundering, and identity theft. Verification is a one-time process that takes under 3 minutes.
What documents are accepted for verification? ▾
We accept any of the following government-issued IDs:
• 🪪 Driver's License (US or Canadian)
• 📘 Passport (any country)
• 🪪 National ID Card
• 🚗 State / Province ID Card
You'll also take a short selfie to confirm it's you. All documents are encrypted and stored securely. We never share your ID with third parties except as required by law.
How long does KYC verification take? ▾
Most verifications are approved instantly by our automated system — usually under 60 seconds. In rare cases (unclear photo, name mismatch), a human reviewer checks within 2–4 business hours. You'll receive an email as soon as your account is verified.
My verification was rejected — what do I do? ▾
The most common reasons for rejection:
• Photo was blurry or ID was partially covered
• Name on ID doesn't match your account name
• Expired ID document
You can re-submit immediately with a clearer photo. If you're still having trouble after 2 attempts, contact
[email protected] with your account email — our compliance team will help within 1 business day.
What are the transfer fees? ▾
GJ charges a simple flat fee — no percentage markups, no hidden charges:
• $1.99 — transfers up to $99
• $2.99 — transfers $100–$499
• $3.99 — transfers $500–$999
• $4.99 — transfers $1,000 and above
Canadian senders: CAD $2.99 / $3.99 / $4.99 / $5.99 respectively.
⚡ Zelle transfers: A flat 10% fee applies instead of the tiered rates above. For example, sending $200 via Zelle = $20 fee.
The fee is always shown before you confirm — what you see is exactly what you pay.
Are your exchange rates the same as Google? ▾
Yes — we use the mid-market rate, the same rate shown on Google Finance and XE.com. We do not add a markup on the exchange rate. Our only charge is the flat fee listed above.
Rates update every 5 minutes from live market data. When you initiate a transfer, the rate is locked for 10 minutes so you have time to complete payment without the rate changing on you.
See the live rates table above ↑
How is the exchange rate calculated? ▾
Our rate = mid-market rate (interbank rate) with zero markup.
Example — Sending $200 USD to Haiti:
• Mid-market rate: 1 USD = 130 HTG
• Fee: $2.99 (flat)
• Net amount: $200 − $2.99 = $197.01 USD
• Recipient receives: 197.01 × 130 = 25,611 HTG
Compare this to banks that typically add a 2–5% markup hidden in the rate — on a $200 transfer that's $4–$10 extra you'd never know about.
Are there any hidden fees? ▾
Never. GJ Money Transfer operates on a simple flat-fee model. There are no account fees, no monthly fees, no receiving fees, and no exchange rate markup. The total you pay is the send amount plus the flat fee — that's it. This is displayed clearly on the confirmation screen before you submit.
Is my money safe with GJ Money Transfer? ▾
Yes — we apply multiple layers of protection:
🏛️ Licensed MSB — registered with FinCEN (US) and FINTRAC (Canada)
🔒 256-bit TLS encryption — all data is encrypted in transit and at rest
🏦 Segregated accounts — your funds are held separately from operating capital. We never invest or lend your money
📋 AML/BSA compliant — we monitor all transactions for fraud and suspicious activity
🛡️ PCI-DSS Level 1 — card payments processed through Stripe, the gold standard in payment security
How do I secure my account? ▾
Follow these steps to keep your account fully protected:
✅ Enable 2FA — go to Settings → Security → Two-Factor Authentication. This adds a one-time code required at every login
✅ Use a strong password — minimum 12 characters, mix of letters, numbers, and symbols. Never reuse passwords
✅ Use a password manager — apps like 1Password or Bitwarden store and generate strong unique passwords
✅ Log out on shared devices — always use the Logout button, not just close the browser
✅ Check login alerts — we email you every time a new device logs in. If it wasn't you, change your password immediately
What will GJ Money Transfer NEVER ask you? ▾
We will NEVER:
❌ Ask for your password by email, SMS, or phone
❌ Ask you to install remote-access software (TeamViewer, AnyDesk, etc.)
❌ Ask you to send a transfer "to verify your account"
❌ Ask for your full card number, CVV, or bank PIN
❌ Send you unexpected refunds and ask you to send part of it back
If anyone contacts you claiming to be from GJ and asks any of the above — it's a scam. Hang up immediately and report it to
[email protected].
What should I do if I think my account is compromised? ▾
Act immediately — every minute matters:
1.
Change your password — go to
login page → "Forgot password" to reset via email
2.
Contact us instantly — live chat or
[email protected] to freeze your account
3.
Check your transaction history — report any unrecognized transfers immediately
4.
Change your email password — if your email was compromised, all linked accounts are at risk
Our security team responds to compromise reports
within 15 minutes, 24/7. We will freeze your account, investigate, and if unauthorized transfers occurred, begin the dispute process.
How is my personal data protected? ▾
Your data security is our top priority:
🔐 Encryption — all personal data is encrypted with AES-256 at rest and TLS 1.3 in transit
🍪 HttpOnly session cookies — your login session is stored in a secure cookie that JavaScript cannot access, protecting against XSS attacks
🚫 We never sell your data — your information is never sold or shared with advertisers
📋 GDPR & CCPA compliant — you can request, export, or delete your data at any time via Settings → Privacy
🔍 Annual security audits — we conduct penetration testing and third-party security reviews yearly
🧱 Cloudflare WAF — all traffic is protected by Cloudflare's enterprise-grade Web Application Firewall