Domestic and international remittance for OvoPay. Version 1.1.
RemitPay lets your users send money from their OvoPay wallet to people in other countries (or their own). The sender picks a destination country, enters an amount and chooses how the money should arrive:
| Who | What they can do |
|---|---|
| Admin | Manage countries and exchange rates, charges, limits and commissions. Complete or reject bank transfers, and view every remittance. |
| User | Send remittances by bank transfer or cash pickup from the website or the User App, and view their remittance history. |
| Agent | Find a cash pickup, verify the recipient and pay out the cash from the website or the Agent App. Earns a commission on every payout. |
The journey of a remittance from start to finish.
The user fills in the recipient's bank details. The total amount (send amount plus charges) is taken from the wallet straight away, and the remittance is Pending. You send the money to the recipient's bank outside OvoPay, then mark it Completed. If you cannot make the payment, Reject it and refund the user.
The user enters the recipient's name and mobile number. The recipient goes to any agent in the destination country. The agent looks up the remittance by the recipient's mobile number or the MTCN (the remittance tracking number). A 6-digit code is then sent to the recipient's mobile. The agent enters that code and their own PIN and hands over the cash. The agent's wallet is credited with the payout plus their commission, so the agent is paid back for the cash they handed out.
Install RemitPay.zip from the Addon Manager.
Go to Settings > Addon Manager > Install New Addon and
upload RemitPay.zip. Step-by-step instructions are in the
Addon Manager guide.
Do these once before letting users send money.
Choose where users can send money, and at what rate.
Open RemitPay > Countries. Only countries listed here and switched on can be selected by users.
INR), Currency Name (Indian Rupee) and Currency Symbol (₹).
What the rate means: how much of the destination currency
the recipient gets for 1 unit of your site currency. For
example, if your site currency is USD and the rate for India is
83.50, a user who sends 10 USD delivers 835 INR. The user sees
the rate and the amount the recipient gets before they confirm.
The Last Sync column shows when a rate was last updated automatically. See Automatic Exchange Rates.
Decide which bank details users must provide.
When a user chooses Bank Transfer, they fill in a form with the recipient's bank details. You design that form yourself, so you collect exactly what your bank needs.
Until this form has at least one field, users see "Bank transfer form is not configured yet." and cannot send by bank transfer. Cash pickup still works.
Limits, charges and agent commission.
Open RemitPay > Settings. All amounts are in your site currency. Percentages are a percent of the send amount. A charge is the fixed amount plus the percent amount added together.
| Setting | Default | What it does |
|---|---|---|
| User Send Money Limit | ||
| Limit Per Send Money | 100 | The largest amount a user can send in a single remittance. |
| Daily Send Money Limit | 1,000 | The most one user can send in total per day. |
| Monthly Send Money Limit | 10,000 | The most one user can send in total per month. |
| Platform Charge (applies to every remittance) | ||
| Fixed Charge | 0 | A flat fee added to every remittance. |
| Percent Charge | 0 | A percentage fee added to every remittance. |
| Bank Transfer Charge (bank transfers only) | ||
| Fixed Charge | 0 | An extra flat fee for bank transfers. |
| Percent Charge | 0 | An extra percentage fee for bank transfers. |
| Agent Charge & Commission (cash pickups only) | ||
| Fixed Charge | 0 | An extra flat fee the sender pays for cash pickup. |
| Percent Charge | 0.5 | An extra percentage fee the sender pays for cash pickup. |
| Fixed Commission | 3 | A flat commission the agent earns for each completed payout. |
| Percent Commission | 0.5 | A percentage commission the agent earns for each completed payout. |
| OTP Validity | 120 seconds | How long the recipient's pickup code stays valid. Minimum 30 seconds. |
| Exchange Rate API | ||
| Enable API Sync | On | Update country rates automatically. See Automatic Exchange Rates. |
| Exchange Rate API Key | Empty | Optional key for a more reliable rate provider. |
Example: with a platform charge of 1 + 0% and an agent charge of 0 + 0.5%, a user sending 100 by cash pickup pays 100 + 1 + 0.5 = 101.50. The user always sees the Total Charge and Total Payable before confirming. New charge and limit values apply to new remittances only.
Keep country rates up to date without manual work.
With Enable API Sync switched on, the Remittance Currency Rate Cron job regularly fetches live rates. It updates every active country whose currency code the provider recognises.
Automatic updates need the server cron job. Check Settings > Security & Compliance > CRON Job Setting to see that Remittance Currency Rate Cron is running. If the rate service cannot be reached, the existing rates are simply kept.
Control who can use RemitPay, and what messages are sent.
Under Settings > Manage Settings > Module Settings there are two RemitPay switches. The User switch controls sending remittances. The Agent switch controls cash pickup payouts. Turning one off hides that feature on the website and in the app.
In Manage Admin > Role & Permissions, give staff manage remittance (remittances, settings and the bank transfer form) and manage remittance countries (countries and rates).
Edit these under Settings > Notification Setting > Notification Templates:
| Template | Sent when |
|---|---|
| Remittance Submitted | A user submits a remittance. |
| Remittance Cash Pickup Created | A cash pickup remittance is created. |
| Remittance Pickup OTP | An agent requests the pickup code for the recipient. |
| Remittance Completed | A remittance is completed, by the admin (bank transfer) or by an agent (cash pickup). |
| Agent Remittance Completed | An agent completes a cash pickup payout (sent to the agent). |
| Remittance Rejected | The admin rejects a bank transfer. |
Complete or reject bank transfers, and follow every remittance.
The RemitPay menu has four lists: All, Pending, Completed and Rejected. The number next to Pending Remittances shows how many bank transfers are waiting for you.
The refund returns the send amount. Charges are not refunded. Completing and rejecting cannot be undone, so check the details first. Cash pickups are completed by agents, so they cannot be completed or rejected from the admin panel.
What your users do on the website or in the User App.
8801XXXXXXXXX).
| Status the user sees | Meaning |
|---|---|
| Pending | Waiting for the admin (bank transfer) or for the recipient to collect it (cash pickup). |
| Completed | The money has been delivered. |
| Rejected | The admin rejected the bank transfer. The reason is shown, and the amount is refunded if the admin chose to refund. |
What your agents do when a recipient comes to collect cash.
Once completed, the agent's wallet is credited with the payout amount (paying them back for the cash) plus the commission. Both appear in the agent's transactions and in the agent's RemitPay history.
An agent can only find cash pickups sent to their own country (the country on the agent's profile). The code expires after the OTP Validity time set by the admin (2 minutes by default).
Messages you, your users or agents may see, and what to do.
| Problem or message | What to do |
|---|---|
| RemitPay does not appear for users or agents | Check that the addon is active in the Addon Manager and that the RemitPay User or Agent switch is on in Module Settings. In the app, close it fully and reopen it. |
| No destination countries are available right now. | No country is switched on. Open RemitPay > Countries and enable or add at least one. |
| Destination country is not available | The chosen country was disabled or removed. The user should pick another country, or you can re-enable it. |
| Bank transfer form is not configured yet. / Bank information form not found | Set up the form in RemitPay > Bank Transfer Form and click Submit. See Bank Transfer Form. |
| Amount exceeds the per remittance limit / daily / monthly remittance limit | The user reached a limit. They can send a smaller amount or try again the next day or month. To allow more, raise the limits in RemitPay > Settings. |
| Sorry! Insufficient balance | The wallet balance does not cover the total payable (amount plus charges). The user needs to add money first. |
| The recipient gets a wrong amount, or the rate looks outdated | Check the country's rate in RemitPay > Countries. If API sync is on, make sure the cron job runs (see Last Sync). If you want to set rates yourself, switch API sync off. |
| My manually entered rate keeps changing | Enable API Sync is on, so rates are overwritten automatically. Switch it off in Settings. |
| Agent sees No pending cash pickup remittance found for this recipient in your country | Check that the mobile number or MTCN is correct and includes the country code. Also check that the remittance is a cash pickup, is still pending, and was sent to the same country as the agent's profile. Bank transfers never show up for agents. |
| The recipient does not receive the pickup code | Check Settings > Notification Setting > SMS Settings and that the Remittance Pickup OTP template has SMS switched on. Check that the sender entered the recipient's number correctly, with country code. The agent can use Resend OTP after the countdown. |
| The OTP is expired | The code was entered too late. The agent should resend the code and enter the new one. To give more time, increase OTP Validity in Settings. |
| Please input correct OTP | The code does not match. Use the latest code received, because sending a new code replaces the old one. |
| The PIN doesn't match! | The agent entered the wrong account PIN. This is the agent's own PIN, not the recipient's code. The agent can reset it from their account if forgotten. |
| This cash pickup is no longer available. | It was already paid out, possibly by another agent, or its status changed. Refresh and search again. |
| At least one remittance country is required | You tried to delete the last country. Add another country first, or disable this one instead. |
| Staff member cannot open RemitPay pages | Give their role manage remittance and/or manage remittance countries in Role & Permissions. |
| Users are not notified when a remittance is completed or rejected | Check that email, SMS or push is set up in Notification Setting, and that the RemitPay templates are switched on for those channels. |
Quick answers to common questions.
No. For bank transfers you make the actual bank payment yourself, then click Complete. RemitPay keeps the record, takes the money from the user's wallet and notifies the user.
Not by themselves. For a pending bank transfer, the user should contact support. You can reject it with a refund.
Yes. Keep only your own country in the Countries list and set its rate to 1 (with API sync off).
To stop cash pickups, switch off the RemitPay Agent module. Bank transfer needs its form to be set up, so leaving the form empty keeps bank transfer unavailable.
The platform. The sender pays the charges you set, and the agent receives the commission you set. Set them so the charges cover the commission.
The Money Transfer Control Number: a unique reference for each remittance. Users, agents and admins can use it to find the remittance.
How to get assistance
Email us with the addon name and version (RemitPay 1.1), your OvoPay version, the MTCN if it concerns a specific remittance, the exact message you see and the steps that lead to it.