Frequently Asked Questions

GJ Money Transfer is a licensed international money transfer service that allows individuals in the United States and Canada to send money to family and friends abroad. We specialize in transfers to Haiti, Africa (Nigeria, Ghana, Kenya, and more), Asia, and Latin America. We are registered as a Money Services Business (MSB) with both FinCEN (US) and FINTRAC (Canada).

Creating an account is fast and free:

• Click "Get Started" on the homepage
• Enter your name, email address, and a strong password
• Verify your email address
• Complete identity verification (KYC) — takes under 5 minutes

Once verified, you can send money immediately.

We currently support transfers to:

• Caribbean: Haiti (MonCash, NatCash, bank deposit, cash pickup)
• Africa: Nigeria, Ghana, Kenya, Senegal, Côte d'Ivoire, Cameroon, Uganda, Tanzania
• Asia: India, Philippines, Bangladesh, Pakistan
• Latin America: Mexico, Colombia, Guatemala, Dominican Republic

We are expanding to more countries. Check our Rates page for the latest list.

GJ Money Transfer is available to residents of the United States and Canada who are 18 years or older. You must have a valid government-issued ID and pass our identity verification process. Businesses can contact us separately for business accounts.

We charge a simple, transparent flat fee based on the amount you send:

• $1.99 — for transfers up to $99
• $2.99 — for $100 to $499
• $3.99 — for $500 to $999
• $4.99 — for $1,000 and above

There are no hidden fees and no percentage markups. What you see is exactly what you pay.

We use live, real-time exchange rates pulled from a certified FX data provider, updated every hour. We do not inflate the exchange rate to make extra profit — the rate you see on our Rates page is the rate your recipient gets. Use our calculator to see exactly how much will arrive before you send.

No. Your total cost is: amount you send + flat fee. There are no additional charges from us. However, your bank or payment provider may charge their own fees (for example, some banks charge an outgoing wire fee). We recommend using a fee-free method like Zelle, Cash App, or Interac where possible.

Visit our Live Rates page for current exchange rates for all supported currencies. You can also use the calculator on the homepage to see exactly how much your recipient will receive.

Delivery speed depends on the destination and payout method:

• MonCash / NatCash (Haiti): Usually within 2–15 minutes
• Mobile money (MTN MoMo, M-Pesa, etc.): 2–30 minutes
• Bank deposit: 1–2 business days
• Cash pickup: Usually within 1 hour of confirmation

First transfers may take slightly longer while your account is being verified.

You can track your transfer in real time:

• In your account dashboard under "Recent Transfers"
• On the Track Transfer page using your Transfer ID
• Via SMS and email notifications (you'll receive updates at each stage)

You can cancel a transfer only if it has not yet been processed for payout. Once the funds are sent to the recipient, the transfer cannot be reversed. To request a cancellation, go to your dashboard and click "Cancel" on the transfer, or contact support immediately.

Default limits per verified account:

• Daily limit: $2,999 USD
• Monthly limit: $10,000 USD
• Single transfer minimum: $10 USD

Higher limits are available for customers with enhanced verification. Contact us if you need to send more.

If a transfer fails for any reason (incorrect account number, network issue, etc.), you will receive an email and SMS notification. The full amount including fees will be refunded to your original payment method within 3–5 business days. You can also contact our support team for immediate assistance.

As a licensed Money Services Business, we are legally required to verify the identity of all customers under US and Canadian anti-money laundering (AML) laws and Know Your Customer (KYC) regulations. This protects you and ensures our service is not used for fraud or illegal activity.

You'll need one of the following government-issued photo IDs:

• Driver's license (US or Canada)
• Passport
• National ID card
• State-issued ID card

You'll also need to take a quick selfie to confirm the ID belongs to you. The process takes about 3–5 minutes.

In most cases, identity verification is completed instantly or within a few minutes. In some cases, it may take up to 24 hours if manual review is needed. You'll receive an email once your verification is complete.

Yes. Your personal information is encrypted in transit and at rest using industry-standard AES-256 encryption. We use a certified identity verification partner and never store raw ID images on our servers. We do not sell or share your data with third parties for marketing purposes. See our Privacy Policy for full details.

We accept the following payment methods:

• Bank account (ACH) — US checking or savings (via Stripe)
• Zelle — send directly to our business Zelle number
• Cash App — from your Cash App balance (US)
• PayPal — using your PayPal balance or linked method
• Interac e-Transfer — for Canadian senders

Depending on the destination country, recipients can receive money via:

• Haiti: MonCash wallet, NatCash wallet, bank deposit, cash pickup
• Africa: MTN Mobile Money, M-Pesa (Kenya), Flutterwave bank transfer
• Asia/LatAm: Bank deposit, local mobile wallet

We do not currently accept credit cards directly. Using a bank account, Zelle, or Cash App avoids the extra fees that credit card processing adds. We are exploring debit card payments — check back for updates.

Yes. GJ Money Transfer is a registered Money Services Business (MSB) with:

• FinCEN (Financial Crimes Enforcement Network) — United States
• FINTRAC (Financial Transactions and Reports Analysis Centre) — Canada

We comply with all applicable AML/BSA regulations and maintain a full compliance program. See our Compliance page for more information.

Customer funds are held in segregated bank accounts and are never used for operating expenses. All transactions are monitored for fraud and suspicious activity 24/7. Our platform uses bank-level encryption (TLS 1.3 + AES-256) for all data.

Contact us immediately at [email protected] or call our support line. We will lock your account within minutes and investigate. Never share your password or OTP with anyone — GJ Money Transfer staff will never ask for these.

Click "Forgot Password" on the login page. Enter your email and you'll receive a 6-digit OTP code. Enter the code, set a new password, and you're back in. The code expires in 15 minutes.

After your first transfer to someone, you can save their details as a recipient. Go to your dashboard → Recipients → Add Recipient. Saved recipients let you send money in seconds next time without re-entering details.

To close your account, contact our support team. Please note that we are required by law to retain certain records for a minimum of 5 years after account closure. Any pending transfers must be completed or cancelled before closure.

Yes! The GJ Money Transfer app is available for iOS and Android. Download it from the App Download page. The app lets you send money, track transfers, and manage your account from anywhere.