Send Money API: delivery methods and business models

The term "delivery method" means the way that the recipient receives the money transfer. This could be cash pickup, mobile wallet or bank transfer.

Each method offers different benefits depending on the recipient's needs and preferences. Understanding the business model behind each delivery method helps to streamline the process and enhance service efficiency.

Available delivery methods

Bank deposit

• The consumer provides their recipient's account details and the money is sent electronically to the recipient's bank account.

Cash pickup

• The consumer sends money to a specific country or payer and the recipient collects cash in person.

Mobile Wallet

• The consumer uses their recipient's mobile number to send money to their Mobile Wallet account. 

The delivery method that's chosen depends on things like, how much money is being sent, the recipient's location and whether the transfer is urgent or not.  

Partners can choose between Online and Offline methods:

• Online: Provides endpoint information on demand in real time. Development of endpoints is required for this method. The endpoints call for information such as a list of banks and mobile wallets in a specific country with their details in real time.
• Offline: Uses a configured FTP folder for receiving scheduled catalogs with information such as a list of banks and mobile wallets in a specific country with their details. These catalogs can be stored and updated periodically.
  • Each partner has configured an FTP folder where they will be able to download the requested catalog.
  • Network catalogs can be scheduled to be uploaded into an FTP folder provided by Dandelion based on partner needs.
  • Available Catalogs: Delivery Methods Catalog, Bank Catalog by FTP, Get Catalog, Transaction Fields Values, Cash Pick Up, Mobile Wallet by FTP.\

Available Catalogs

Payout Network:

• Bank Deposit
• Cash Pick Up
• Mobile Wallet

Transactional Fields:

• Master Data
• Field Values

The chart below outlines the endpoints used to verify service availability in specific destination countries:

Business models

The following business models are categorized based on the destination country and the chosen delivery method:

Open payment: In this model, you only need to specify the destination country; you don't need to choose a specific payer. The payment will be processed through an open payment system, providing flexibility in payment options.

Open network: In this business model, you must specify the destination country and a specific payer. A network is established and the designated payer assumes responsibility for the transaction. In the open network model, the order can be picked up at any location specified by the payer within the destination country.

Business models by delivery method