Viamericas
Viamericas is a privately held licensed money transmitter offering international money transfer, bill payment, mobile top-up, and check processing through thousands of U.S. agent locations and a 300,000+-location global payout network spanning 95 countries, primarily serving migrant workers and diaspora sending funds to Latin America, Africa, the Philippines, and Asia.
- Company typePrivate
- Founded2000
- HeadquartersBethesda, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Viamericas does
Viamericas Corporation is a privately held, licensed money transmitter founded in 2000 and headquartered in Coral Gables, Florida, with regional offices in Los Angeles and operations centers in Mexico, Colombia, and the Philippines. The company provides international money transfer, bill payment, check processing, mobile top-up, and PINless long-distance calling services to migrant workers and diaspora communities sending funds from the United States to family members in Latin America, the Caribbean, Africa, the Philippines, India, and other regions. Its primary customer segment is the long-tail of individual senders, served both through thousands of physical agent locations across approximately 45-50 U.S. states and through digital channels including the Vianex mobile app, the govianex.com web platform, and the recently launched ViaCard prepaid Mastercard debit card.
The company's core technology is a proprietary remittance and payments platform branded under the "Via" product family. ViaOne is a desktop point-of-sale terminal deployed at agent locations, providing integrated access to remittance, bill pay, mobile top-up, check cashing (ViaCheck), smart-safe cash deposit (ViaSafe), and Amazon Cash services. ViaConnect and Vianex are API products that enable B2B partners — including banks, financial institutions, and retailers — to embed Viamericas' money transfer, bill payment, and top-up capabilities into their own platforms. The platform connects to a payout network of more than 300,000 locations across 95 countries, with direct deposit capability into over 2,700 banks and 107 mobile wallets globally. Viamericas uses Plaid for fraud prevention, bank-account verification, and fund confirmation, and operates dedicated AML/OFAC compliance functions under a Chief Compliance Officer with CAMS certification.
Viamericas generates revenue primarily through transaction fees on money transfers, bill payments ($3 per standard transaction in Guatemala, for example), mobile top-ups, and check processing, with additional revenue from B2B API access fees via ViaConnect and Vianex. The company employs between 251 and 500 people and has cumulatively processed over 100 million international money transfers. Its strategic posture over 2024-2026 has been one of geographic and channel diversification — expanding into Vietnam, additional African markets, and digital-wallet payouts (Nequi in Colombia, QR code payouts via Banco Azteca in Mexico) — supported by a $113.6 million debt funding round in September 2025 led by Old National Bank with participation from Bank of Oklahoma Financial, Axos Bank, and U.S. Bank.
Viamericas firmographics
Firmographics- Name
- Viamericas
- Legal name
- Viamericas Corporation
- Website
- https://corporate.viamericas.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Viamericas is a privately held licensed money transmitter offering international money transfer, bill payment, mobile top-up, and check processing through thousands of U.S. agent locations and a 300,000+-location global payout network spanning 95 countries, primarily serving migrant workers and diaspora sending funds to Latin America, Africa, the Philippines, and Asia.
- Ownership category
- akta.pro rank
Viamericas industry classification
Industry- Product category
- Cross-Border Remittances
- akta.pro primary industry
- Consumer Remittances (P2P) (FSAMAIAA)
- akta.pro secondary industries
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where Viamericas is headquartered
LocationHeadquarters
- HQ city
- Bethesda
- HQ country
- United States
- HQ region
- North America
Offices6 records
Markets served
Viamericas business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Money Transfer Fees: Transaction fees charged for international money transfers from the U.S. to receiving countries. Customers can pay in cash or debit card at agent locations or digitally via mobile app.
- Bill Payment Services: International bill payment service allowing migrants to pay household bills in their home countries. Standard fee of $3 per transaction as seen with Guatemala service.
- Mobile Top-up: Airtime recharge services for mobile phones in receiving countries through agent network or digital platforms.
- Check Processing: Check cashing and processing services for agents using ViaCheck system with automatic deposit and verification tools.
- API/Partner Access Fees: ViaConnect and Vianex API platform enables partners to access money transfer network for a fee, generating revenue from B2B partnerships with financial institutions and retailers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard bill payment service for Guatemala |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Viamericas product offering
Product offeringCore offering
Viamericas is a licensed money transmitter that delivers international money transfer, bill payment, check processing, and mobile top-up services through thousands of U.S. agent locations and a digital channel (Vianex). Customers can send funds from the United States to over 100,000 payout locations across more than 80 countries, with delivery via cash pickup, bank deposit, or mobile wallet. The company also enables B2B partners to embed these services through its ViaConnect and Vianex API platforms and equips its agents with the ViaOne point-of-sale terminal.
Product overview
Viamericas is a licensed money transmitter offering a comprehensive remittance and international money transfer platform. The product portfolio includes ViaOne as the core point-of-sale terminal that provides access to all services including ViaCheck (check cashing), ViaBillPay (bill payment), ViaTopUps (mobile airtime), and ViaSafe (smart safe deposits). The ViaConnect and Vianex API products enable digital partners to integrate money transfer, bill payment, and mobile top-up capabilities. ViaCard is a reloadable prepaid Mastercard debit card for managing funds. The company operates through thousands of agent locations across the United States and a global payout network spanning over 100,000 locations in 80+ countries, with digital platforms accessible at www.govianex.com.
Differentiator
Problem solved
Functional benefit
Brands
- Vianex: Digital channel offering a full set of APIs that allows partners to plug into the Viamericas network of agents, partners, service providers, compliance and money transfer services. Accessible via www.govianex.com.
- ViaCard
- ViaOne
- ViaCheck
- ViaBillPay
- ViaTopUps
- ViaSafe
- ViaConnect
- Viamistad
Products and services
- ViaOne
Quantifiable outcome
- 300,000+ payout locations across 95 countries
- +3 more outcomes
Companies that use Viamericas
Customer profileSegments4 records
Ideal customer profiles3 records
Viamericas technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature6 records
Viamericas partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Bancolombia/NequicoreExpanded partnership with Bancolombia to enable remittance payments directly into Nequi, a digital financial platform with over 26 million users in Colombia. Customers can now receive funds instantly and securely through Nequi's mobile platform, combining digital platform speed and convenience with Viamericas' payments network.
- DongA Money Transfer CompanycorePartnership to extend remittance services to Vietnam through DongA's established network of payout locations.
- Nueva Elektra del Milenio and Banco AztecacorePartnership to facilitate QR code payments, expanding payment options for customers sending money to Mexico where Banco Azteca operates extensively.
- LoveominorPartnership to expand remittance payout options in Honduras, providing additional cash pickup locations for beneficiaries.
- Dong Phuong Money TransfercorePartnership to expand remittance services for Vietnamese families, enabling funds to be sent directly to homes or local cash pickup points. Supports Vietnam's significant inflow of foreign remittances totaling about USD 16 billion annually.
- Victoria Mutual Group (VM Money Transfer Services)corePartnership to enhance remittance services in Jamaica. Viamericas provides cash pick-up and bank deposit services via VM Money Transfer Services' network with over 100 payout locations including 16 VM Building Society branches.
- PaisamexcorePartnership to provide additional options for remittance beneficiaries to receive money in Mexico, particularly in 141 rural towns and small areas, expanding cash payout locations in underserved regions.
- 24XorocoreIntegration providing additional options for remittance beneficiaries to receive money in Mexico with real-time transaction monitoring and enhanced security and fraud compliance measures.
- Banco GyT (Grupo Financiero GyT Continental)minorPartnership to raise money for people with disabilities through Viamistad donation campaign. Between November 2023 and March 2024, they donated 20 cents of every transaction to fund educational and recreational camps for Guatemalans with disabilities.
- Kori Global ServicescoreExpanded relationship to provide international money transfer services to all African countries Kori serves including Burkina Faso, Cameroon, Senegal, Ivory Coast, Benin, Togo, Mali, Congo, Gabon, Chad, Central African Republic, and Equatorial Guinea.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Viamericas competitors and assessment
Company assessmentBroad incumbents
- Western Union: Largest global money transfer operator with extensive agent network and digital channels. Directly competes with Viamericas in US-to-Latin America corridors but operates at significantly larger scale across many more corridors globally.
- MoneyGram: Major global remittance player with strong agent footprint in U.S. and digital platform. Competes head-to-head with Viamericas in cash-pickup and digital remittance across Latin America and other key corridors.
- Xoom (PayPal): PayPal-owned digital remittance service with strong US-to-Latin America, Asia, and Africa corridors. Competes with Viamericas' digital channel, leveraging PayPal's broader payments ecosystem.
Direct peers
- Remitly: Digital-first US-to-diaspora remittance provider, publicly listed, with strong focus on Latin America, Asia, and Africa. Direct competitor to Viamericas' Vianex digital channel with similar target customer (migrant workers).
- Sigue Corporation: US-based money transmitter specializing in US-to-Latin America and US-to-Africa remittances with agent network and digital channels. Highly comparable business model to Viamericas; Joel Silva on Viamericas' board is a former CFO of Sigue.
- Ria Money Transfer (Euronet Worldwide): Global remittance brand owned by Euronet Worldwide, with strong agent network and digital channels. Direct competitor in US-to-Latin America and other diaspora corridors with comparable hybrid distribution.
- Intermex: US-based money transmitter publicly listed on NASDAQ, focused on US-to-Latin America and US-to-Africa remittances. Closest publicly traded comparable to Viamericas in terms of corridor focus and customer base.
- Wise (formerly TransferWise): UK-headquartered digital cross-border payments platform serving individuals and businesses. Competes with Viamericas for digital-first migrants and B2B remittance via transparent FX pricing and low fees.
- WorldRemit: Digital-first global remittance platform focused on mobile-wallet and bank-deposit deliveries across emerging markets. Competes with Viamericas on digital send experience in Latin America, Africa, and Asia.
Emerging players
- Felix Pay: LatAm-focused cross-border payments platform targeting underserved corridors with digital-first delivery. Emerging competitor intersecting with Viamericas' Latin America franchise, particularly in Mexico and Central America.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Viamericas social profiles
Digital presenceViamericas financial estimates
Financial estimateRevenue estimate
Valuation estimate
Viamericas leadership team
Management profileNumber of profiles
Profiles1 record
Viamericas subsidiaries and ownership
Company hierarchySubsidiaries1 record
Viamericas funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Viamericas M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Viamericas
What does Viamericas do?
Viamericas is a licensed money transmitter that delivers international money transfer, bill payment, check processing, and mobile top-up services through thousands of U.S. agent locations and a digital channel (Vianex). Customers can send funds from the United States to over 100,000 payout locations across more than 80 countries, with delivery via cash pickup, bank deposit, or mobile wallet. The company also enables B2B partners to embed these services through its ViaConnect and Vianex API platforms and equips its agents with the ViaOne point-of-sale terminal.
Is Viamericas a public or private company?
Viamericas is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Viamericas founded?
Viamericas was founded in 2000. It employs 251 to 500 people.
Where is Viamericas based?
Viamericas is headquartered in Bethesda, United States, in the North America region.
How does Viamericas make money?
Five revenue lines are on record. Money Transfer Fees are the primary driver. The others are bill Payment Services, mobile Top-up, check Processing and API/Partner Access Fees.
Who are Viamericas's main competitors?
Broad incumbents on record are Western Union, MoneyGram and Xoom (PayPal). Direct peers are Remitly, Sigue Corporation, Ria Money Transfer (Euronet Worldwide), Intermex, Wise (formerly TransferWise) and WorldRemit. Felix Pay is listed as an emerging player.
Does Viamericas have an API?
Yes. Viamericas offers API access through two products: ViaConnect provides APIs enabling partners to offer money transfer, bill payment, mobile top-up, and PINless long distance calling through a simple API connection. Vianex offers a full set of APIs allowing partners to plug into Viamericas' network of agents, partners, service providers, compliance, and money transfer capabilities. With one connection, partners gain access to remittance, bill pay, mobile top-up and more. Developer documentation is at www.govianex.com.
What industry is Viamericas in?
Viamericas's product category is Cross-Border Remittances. Its primary akta.pro industry code is FSAMAIAA, Consumer Remittances (P2P), with a secondary code of FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity).