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Financial Risk Disclosure

Currency Exchange Risk

International money transfers involve currency conversion. Exchange rates may change between the time a transfer is initiated and when it is processed.

91 Payments displays applicable exchange rates before a transaction is confirmed.

Processing Time Risk

Transfer times may vary depending on factors such as:

  • Destination country
  • Banking partner processing
  • Compliance reviews
  • Public holidays or banking schedules

While we aim to process transfers promptly, delays may occasionally occur.

Third-Party Provider Risk

Money transfers may rely on third-party service providers including:

  • Banks
  • Payment processors
  • Mobile money operators
  • Cash payout partners

91 Payments is not responsible for delays caused by third-party institutions.

User Responsibility

Customers must ensure that:

  • Recipient information is correct
  • Bank details are accurate
  • Transfer amounts are confirmed before submission

Incorrect information may result in delays or loss of funds.

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© 2026 91 Payments. All rights reserved.

91 Payments. Registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business. Registered address: 1771 Robson Street - 1311, Vancouver, BC V6G 3B7, Canada.



91 Payments. Registered with the Financial Crimes Enforcement Network (FinCEN) in the United States as a Money Services Business. Registered address: 30 N Gould St, Ste R, Sheridan, Wyoming 82801, USA.