When receiving money, an ATM pick-up, cash pick-up, or courier delivery, it will be dependent upon the payer agent or courier’s business hours. On average, ATM pickups, cash pick-ups and home deliveries are available within the same day.

Please note: if a money transfer is flagged for review for security reasons, the processing time will take longer.

Other things that may slow down processing times include:
– A security review. Since security is our number one priority, we want to ensure all money transfers are legitimate.
– Financial institutions processing times. Timing may vary slightly depending on your bank.

Our global network includes more than 60,000 payout locations in 19 countries and territories worldwide. We process hundreds of thousands of money transfers each month online, via our InterCambio Express  app and through our authorized agencies locations. For an extensive list of sender and payer locations click here.

In order to send money, you will need to know your beneficiary’s first and last name as shown on their government-issued ID, their address and phone number. Additionally, you will need to decide how you would like your beneficiary to receive the money. If you decide to deposit money directly into your recipient’s account, you will need his or her bank account and routing number. However, if you choose to have your beneficiary pickup cash, you will need to select a payout location.

Throughout the money transfer process, we will notify you via email when any status changes are made to your order — this includes when your recipient receives their funds. From the moment you hit “send” to the moment your recipient picks up the order, we keep you in the loop. You will be aware of what’s happening, as it happens.

Here are some other order status notification emails we send out to alert you of important changes:

• Available Pickup/Deposit: You will receive an email and a SMS to let you know that your beneficiary is able to pick up his or her funds or once the transfer is ready for bank deposit.
• Receipt Pickup/Deposit: At the end of your transaction, you will receive the detail receipt. This information is necessary for any claim, for your beneficiary to pick up, or in case of Bank Deposit.
• Cancellation Request/Cancellation: There are several reasons a transaction may be canceled. If you need to cancel your transfer, make sure you Request the Cancellation. Reasons for cancellations include: a customer requested direct cancellation; incorrect beneficiary name spelling; incorrect account details; or the time limit to pick up the funds has expired.  If your transaction is cancelled for any reason, we will notify you right away.
• Shopping Cart/Pending Transaction: You have the option to pay at a store (availability applies) or online using a debit card. At the end of the process, hit Shopping Cart and pay for the entire transaction–then you will receive this notification.
• Claim Initiation/Resolved: There are several reasons to start a Claim. Some of these reasons include: the beneficiary can’t pick up the transaction or the operation is not available. Remember that most of these cases depend on the Bank or Payer response, our goal is that your beneficiary gets the money ASAP.
• Documents Needed: If your transaction is flagged for review for security or compliance reasons, we will notify you right away. Your security is our #1 priority. It’s possible that we will call you to ask a couple questions so we can process the transaction. You may also need to add some detailed information.  Please note: if this happens, there will be a delay in processing your order until we are able to release the transaction.
• Transaction Paid: We will send you an email and a SMS to let you know your beneficiary has picked up his or her funds or once the transfer is ready for bank deposit. This email will provide detailed information about transfer. Additionally, you may contact our Customer Service team at   +1-888-534-8441 (toll-free in the U.S.).

You may access your account by using our password reset feature on the App and website.

If your account has been locked, it’s likely due to one of the following 2 reasons:

1. There were too many attempts to unsuccessfully sign in and enter the correct account password.
2. Your account may have been locked for security reasons.

If your account has been locked, please call our Customer Service team at +1-888-534-8441 (toll-free in the U.S.). They will help you unlock your account.

No. Rates will vary between InterCambio Express and our physical agent locations.

You can find the exchange rate for a specific country by using our application during the “Send Money” process.

In order to send more than $3,000 USD in one day, please visit one of our InterCambio Express agent locations. Unfortunately, it is not possible at this time to send more than $3,000 USD in one day online. Additionally, the maximum amount accumulated of allowable money transfers per use during any rolling 30 calendar day period is $5,000 USD.

Our customer service team is always ready to help our clients. We will respond to your request promptly between 08:00 hrs. – 23:00 hrs any day of the week. You may reach us by dialing +1-888-534-8441 (toll-free in the U.S.).

Please call our Customer Service team at +1 (833) 444-4833 (toll-free in the U.S.) and we will gladly help you.

With your debit card, the funds are usually available immediately. Just enter the name as it appears on the card, the card number, the expiration date and the 3-digit security code on the back of the card.

To edit a debit card:  Sign in to your account. On the top left  is a menu where you can select  “My Preference”. From there, go to  “My Wallet.” Then you can edit your debit card information. To edit a debit card:  Sign in to your account. On the top left  is a menu where you can select  “My Preference”. From there, go to  “My Wallet.” Then you can edit your debit card information.

For payment method, select “Pay at Store.” You will have one hour to pay at one of our payer locations.

To contact one of our InterCambio Express locations, browse our Locations Search or call us at +1-888-534-8441 (toll-free in the U.S).

Door-to-door delivery works when sending money online, your beneficiary receives the services in the comfort of their home or office.

Please note: home delivery is not available in every country we serve. This feature will be available on the payment selection screen when you are making up your money transfer.

InterCambio Express will never send you an email requesting you to open an account. If you have received an email asking you to do so, please disregard it immediately–it’s most likely a scam. For more information on consumer fraud, please contact the Federal Trade Commission.

Protecting our customers is our #1 priority. If we detect suspicious activity around a money transfer — and need to verify that it was in fact our customer that made the order — we may place the transfer in review.

Common reasons why money transfers are placed in review include online dating scams, lottery and sweepstakes scams, and grandparent scams — to name a few. Online dating scams occur when you meet someone on the internet, they claim to have fallen for you, and ask you to pay their living expenses or travel fees to pay you a visit. Lottery and sweepstakes scams typically offer the victim great wealth in exchange for paying taxes and other processing fees up front. Grandparent scams occur when you get an unexpected call or email from someone who claims to be your friend or relative and asks you to send money.

We may be required to gather additional information on the money transfer per U.S. or global regulatory compliance. This might add time to the transfer process but we believe it’s worth the effort to protect our customers and meet legal requirements.

Because protecting our customers is our #1 priority, we will go the extra mile to confirm that money transfers are in fact made by our customers. If we detect suspicious activity, and are unable to confirm that it was our customer that made the transfer, it may be declined. In addition to suspicious activity, on occasion certain money transfers may not meet internal InterCambio Express policies or may be declined due to U.S. or global regulatory compliance.

Your recipient may receive his or her money in one of 4 ways:

1. Bank deposit (you may deposit money directly into your beneficiary’s bank account).
2. Cash pick-up (your beneficiary may pick up cash via a payer location).
3. ATM pick-up (available in select countries).
4. Home delivery (home or office delivery only available in the Dominican Republic).

As a leading global money transfer company, we offer an extensive network of agents through InterCambio Express at more than 60,000 payer locations in 19 countries and territories worldwide. And this number continues to grow.

You may transfer money at one our locations, through our APP, or online at our InterCambio Express website if you are located within the United States.

For a list of locations, view our location finder. Additionally, you can send money to your beneficiaries online from the U.S. for cash pick-up at one of payer locations, ATM locations, or via home delivery (if you’re in the Dominican Republic).

The beneficiary will need the PIN number provided by the sender in addition to a valid ID to be shown at the payer location. The name on the ID must match that on the money transfer.

If you used a debit card to fund your money transfer which has since been closed or frozen, we will issue you your refund via check. However, this refund method will only be available as a last resort as we will always first try to issue your refund via the method in which you funded your transaction.

This process may take between 7 and 10 business days.

You can track the status of your transaction quickly and conveniently using “My Account”. All you need is your money transfer number. Additionally, InterCambio Express will send you emails throughout your money transfer so that you are informed of any important changes or updates.

For E.E.U.U. regulations, you can cancel your transaction, no matter the reason, for 30 minutes after you make it.
You may cancel your money transfer after this 30 minutes by pulling up your Recent Orders in your account. Simply find the money transfer you would like to cancel and click “Request Cancel.” Our Customer Service team will contact you to verify the request and depending on it, modifications may be subject to additional review.

InterCambio Express will make every effort to accommodate this request. However, we cannot guarantee the cancellation until our local payer partner confirms the money has not yet been paid out to your beneficiary. If the transaction was already completed, and cannot be cancelled, we will show you the status and state where the cancellation cannot be processed.

For more information regarding our cancellation and refund policy, please refer to our Privacy Policy and our Terms and Conditions page.

If you decide to cancel your money transfer and your recipient has not yet picked up the money, we will get in contact with our correspondent, it may take up to 2 to 10 business days to receive your refund.

Please note: If your order goes under review and/or if bank account verification is required, your order payout may incur additional delays.

You can send up to $900 USD per money transfer, and $3,000 USD per day. However, you must take into consideration the max amount and the limit for the select payer.  Please be advised that the max amount you can send in 30 days is $5,000 USD.

Please note: Oklahoma and Arizona residents are limited to send a max amount of $700 USD per user per calendar day.

You will qualify for a reward if your friend is a new customer who has never registered with InterCambio Express. Once your friend registers and completes his/her first paid money transfer, you will earn a credit on your next transaction.

Once one of your referred friends registers and completes a paid money transfer, we will credit the rewards. Rewards are credited in the next Money Transfer that you make.

Your reward will credit in the receipt on your next transaction.

No, you may not refer yourself.

You can refer as many people as you like. The more you refer, the more rewards you earn!

Make sure your friend’s money transfer was successful and paid to the recipient. Check the email address you used to send your referral and your  junk/spam folders.

If you still can’t find your referral, please contact us at +1-888-534-8441 (toll-free in the U.S) with the following information:

• The email address you used to refer your friend (your email address).
• Your friend’s First and Last name and their email address.
• The order number of your friend’s paid money transfer if available.