[ian0]

It really depends on who you are sending money to. Assuming your sending to people with bank accounts a remittance service would work, like transfer-to (recently renamed Thunes) [1] and EMQ (sea only) [4]. There are several services like this, and its how mobile wallets and remittance agents (electronic ones) send cash. You may need several to provide maximum coverage if operating globally.

Each country also has their own remittance providers [2] so if you are serving a specific country it would be worth digging to find out who has the best APIs. Mastercard has a service [3] that supports 80 countries but your recipients require a card. Note if your recipient is a business with an EDC machine there is a nifty way to send them cash using MC VCNs (what some global hotel booking sites use).

Most remittance providers now send to wallets in addition to bank accounts, which can be used to send cash to non-banked users. Though in practice this could be a pain for them and coverage is limited and the mobile wallets vary in quality and KYC restrictions.

1. https://www.thunes.com/

2. Only use licensed ones! Spotted this one operating in us: https://www.dwolla.com/

3. https://developer.mastercard.com/product/mastercard-send

4. https://www.emq.com/