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Common Questions

Common Questions

What countries can I send money to?

Latin America

  • Mexico
  • Guatemala
  • El Salvador
  • Honduras
  • Dominican Republic
  • Colombia


  • China
  • India
  • Philippines
  • Bangladesh
  • Indonesia
  • Malaysia
  • Singapore
  • Thailand
  • Vietnam

From which states in the US can I send money?

Currently, you can send money from

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • New Jersey
  • New Mexico
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin

If you are from another state, create your account today so we can let you know when we get to your area!

How much money can I send?

You can select any sending amount between $20 and $2,999. When paying with cash at 7‑Eleven®, you can send between $20 and $300. Note: Regardless of what sending method you select, you still have a daily limit of $2,999.

Is there a monthly limit?

Yes. You can send up to $6,000 if you pay with a debit card and $2,000 if you prefer to pay with cash at 7‑Eleven®. This limit also applies to any receiver. Note: The $6,000 limit is refreshed every 30 days.

Are there any region-specific sending limits besides the general sending limits?

Besides the Pangea sending limits there might be special limits and restrictions based on country, region or brand. Please select your country for more details.

Can I send money to or from a company?

No. Pangea only allows transfers between individuals. Senders cannot pay for transfers with a business debit card. Any transfer attempted with a business debit card will be canceled.

Can I send money to someone that is under 18 years old?

No. Both you and the receiver have to be over 18.

Is the Pangea app free to download?

Yes! The iOS and Android app are free to download. You can also use Pangea through our website.

Where do I add or remove my promo codes?

If you are using the latest version of the app, you add or remove promo codes on the transfer details screen before you pay and complete your transfer.

Does Pangea have any special promotions right now?

If you follow us on any of our social media platforms, you will know whenever we have special promotions! “Like” us on Facebook and “follow” us on Twitter and Instagram!

Does Pangea have a referral program?

Yes! Each Pangea user has their own unique invite code.

  1. Share your invite code with anyone who hasn’t sent a Pangea transfer.
  2. When new users sign up and send a transfer using your invite code, the new user will get $20 towards his/her first transfer.
  3. You will get a $20 credit added to your account that will be automatically added towards your next transfer!

That means if 4 people send a transfer using your invite code, you’ll get $80! How awesome is that?! Note: Your account will be credited immediately after the beneficiary picks up the transfer. If you want to learn more about Pangea’s referral program or need help finding your invite code, please call us at +1-866-858-9928.

Where do I find my promo code?

Open the Pangea Money Transfer app and find it on the menu.

Fees & Exchange Rate

Fees & Exchange Rate

What is the fee per transaction?

Pangea always charges a flat fee. You will pay the same flat fee every time you transfer money to your country, no matter how much you decide to send. Please see the table below or select your country for more details.


Will the receiver have to pay any additional fees to collect the money?

No way!

What is the exchange rate of my transfer?

We will always display the exchange rate that applies to your transfer before you pay for it. You will always know the amount in local currency that your receiver will collect! In the latest version of the app, you can calculate exactly how much money you’re sending, based on the daily exchange rate, as soon you open the app. Simply select your country from the dropdown menu and then enter the desired sending or receiving amount to see instantly how your dollars will convert. You’ll have a chance to review the exchange rates again before you confirm your transfer.

I created a transfer and before I paid for it I received a notification saying that the "exchange rate expired." What do I do now?

Sometimes we have to refresh the exchange rate that we apply to the transfers. We like being transparent so you always know how much your receiver will be getting. When this happens, you will have to create a new transfer.

Are there any hidden fees, especially when changing sending or receiving methods?

There are no hidden fees! You will only pay a single flat fee on each of your transactions. Before you pay for your transfer, we will always ask you to confirm the fee and the applicable exchange rate. You will always know how much you are paying and how much your receiver will be getting.

Sending Money

Sending Money

How do I send money?

Login to your Pangea account and create a transfer in three easy steps:

  1. Enter a sending amount between $20 and $2,999. Then confirm the transaction details.
  2. Select an existing receiver from your list or add a new receiver and select a receiving method (i.e., cash pick up or bank deposit).
  3. Pay for the transfer with any debit card. In Illinois, you can also pay for transfers up to $300 with cash, at most 7‑Eleven® locations.

What are my payment options?

If you pay with a debit card, you will need to provide the 16-digit number on your card, CVV and expiration date. Note: We can accept only US-issued debit cards branded Visa or MasterCard. We cannot accept debit cards linked to corporate accounts. In Illinois, you can pay with cash at most 7‑Eleven® locations.

I don’t see the option to send to other countries.

Please make sure you have the most updated version of our app. If you are still having trouble, please give us a call at +1-866-858-9928 and we will help you!

Where can I see my transaction receipt?

As soon as the transfer is paid, we’ll display the receipt on your Pangea account (online or in the mobile app) and if you provided an email, we will send you a copy via email. To find your receipt in the app:

  1. After you login to the app, go to the menu and click “Account Information.”
  2. You’ll see a list of recent transactions, labeled with the name of your receiver.
  3. Click on the desired transaction, and your receipt will be displayed on the screen.

If you pay for your transfer with cash, you'll also get a printed payment receipt at 7‑Eleven®. The full transfer details won't show in the payment receipt. For that, you'll still have to access your Pangea Money Transfer account or look for the transaction receipt that we send you via email.

Pay With Cash

Pay With Cash

From which states in the US can I pay for my transfer with cash?

Cash payments are currently available in Illinois only.

How much money can I send when I pay with cash?

You can send up to $300 per transaction and per day, and up to $2,000 per month.

Why do I have to provide my information to PayNearMe when I've already provided it to Pangea?

We've partnered with PayNearMe for cash payments at 7‑Eleven®. The first time you pay with cash, you'll create a login with PayNearMe (or login with your current credentials, if you already have a PayNearMe account) as well as your legal name, address, and year of birth. You'll only have to enter this information once.

Can I pay with cash at any 7‑Eleven®?

Cash payments are available in most, but not all 7‑Eleven® stores. Be sure to pay for your transfer at the store you select when you set up your transfer in the app.

What is PayNearMe?

A company that enables cash payments, that's trusted by brands like Comcast and Verizon for handling of cash payments. You can learn more about PayNearMe here:

Why do I have to enable geolocation?

We require you to turn on geolocation so that we can provide you with the best service!

How can I find a 7‑Eleven® location near me?

By default, we display the 7‑Eleven® locations nearest the address associated with your account. To see other locations, search by address or ZIP code in the list or map view.

What if I want to change something in my transfer, and I already have the barcode screen on my phone?

Please press "back" to the screen you want to update, make your changes, and go back through the process. You'll get a new barcode that reflects your changes.

What if my barcode doesn't work?

Please call customer service at +1-866-858-9928.

Can I pay anywhere other than 7‑Eleven® stores?

Cash payments are currently available at 7‑Eleven® locations only.

How long do I have from when I set up the transfer to get to a 7‑Eleven® to pay for it?

You'll need to pay for your transfer within 48 hours of setting it up on your phone. Be sure the barcode is still available on the screen before you go to pay.

Can I send someone else to pay for my transfer?

No, you must go to 7‑Eleven® yourself.

Can I use promo codes and bonuses when I pay with cash?

Yes, promo codes and bonuses are available as usual.

Can I set up a cash payment transfer from my desktop computer?

No, you must be on a mobile device to send a cash transfer, and you must bring that device to the 7‑Eleven® when you pay.

Can I print my barcode?

No, printed barcodes won't be accepted.

Can I take a screen shot of my barcode?

No, you must use the barcode live in the website or app.

Transfer Limits

Transfer Limits

What are Pangea’s daily limits?

You can send up to $2,999 per day, $300 of which can be paid with cash.

How can I send more than $999?

For direct deposits you can send up to $2,999 per transfer. you will be asked to submit additional information about you and your receiver. For cash pickup you can send up to $1,500 per transfer.

What additional information will be asked about the Receiver?

We require that you provide your receiver’s Mexican Government ID type, a Mexican Government ID number, date of birth, country of birth, nationality, and street address.

What additional information will be asked about the Sender?

The Sender will need to upload a picture of their ID and select the country of birth and nationality. Senders in Arizona will also need to submit their Social Security Number (if they have one) and Occupation.

What types of Mexican Government IDs are accepted?

We accept the following Mexican Government IDs for Senders and Receivers: State ID, driver’s license, passport, military ID, Matricula Consular, IFE, IMSS ID, or professional license.

Do I have to submit additional information every time I send a direct deposit over $999?

No. You will only be asked once for additional information.

Can I send more than $999 to a cash pickup location?

No. You may only send up to $999 to a cash pickup location.

How much money can I send in a month?

You can send up to $6,000 in any 30-day period, $2,000 of which can be paid with cash.

Will my transfer take longer the first time I send more than $999?

No. The approval process will not delay transfers. We recommend that you send your first transfer over $999 during Pangea’s Customer Service hours, which are Monday through Friday, 9 a.m. to 6 p.m., and Saturday and Sunday, 9 a.m. to 5 p.m. (CST).

Receiving Money

Receiving Money

Where can I find the transfer code to send to my family?

The transfer code will always be displayed in your receipt. Also, if you provided your receiver’s mobile number, we will send the transfer code directly to him/her via text message (SMS).

What are the countries that allow bank deposit transfers?

Currently you can send direct deposit transfers to Mexico, China, India, Indonesia, Bangladesh, Colombia, Dominican Republic, El Salvador, Guatemala, Honduras, Malaysia, Philippines, Singapore, Thailand and Vietnam. Create an account and we will let you know when bank deposits are available in other countries.

When will the money be available if I send a bank deposit?

We process bank deposits immediately but the time it takes for the money to arrive can vary. Much of this may depend on the bank or if additional information is needed. Please select your receiver country for more details.

What are the countries that allow cash pick-up transfers?

Latin America

  • Mexico
  • Guatemala
  • El Salvador
  • Honduras
  • Dominican Republic
  • Colombia


  • Bangladesh
  • India
  • Indonesia
  • Philippines
  • Vietnam

How can my family receive the funds of the transfer?

We offer the following three receiving options:

  1. Cash pick up: The receiver will need to show the transfer code and an official ID at the pick up location. The transfer code will be displayed in your transaction receipt. Also, we will send him/her a text message (SMS) with the transfer code if a mobile number was entered in the receiver profile.
  2. Direct deposit: You’ll need to enter the receiver’s bank account information and we deposit the funds directly into his/her account.
  3. Direct to debit card: All you need to enter is the 16 digit debit card number (nothing else; no billing zip, no CVV code, no expiration). This is the easiest way to get money to your family.

Please select your receiver country to see specific options.

Can I send funds to any bank account in Mexico?

We can deposit funds into any bank account in Mexico. We only need one of the following: CLABE or 16 digit debit card number.

How many days does the receiver have to collect the money?

The receiver has 90 days to pick up the transfer in cash. Otherwise, we will automatically cancel the transaction and the funds will be credited back to the card used to pay for the transfer.

Will the receiver get US dollars?

Your receiver will collect their transfer in the local currency.

If the receiver I selected is busy, can someone else collect the money for him/her?

No. The receiver information in your account has to match the ID of the person picking up the cash.

If the receiver is collecting the money in cash, can he/she just go to any location?

The receiver will be able to pick up the transfer at any branch of the retailer that the sender selected in the state where you live.

Problems & Complaints

Problems & Complaints

I am trying to send money but I got an error message from Pangea.

Make sure you and/or your receiver are not over the 30-day aggregate limit of $6,000. If you still think there is a problem, please contact us at +1-866-858-9928.

What should I do if I have a complaint about Pangea?

For complaints about Pangea USA, LLC, please contact Pangea's Customer Service at +1-866-858-9928. If you still have an unresolved complaint regarding Pangea's money transmission activities, please click here to direct your complaint to the appropriate regulatory contact.

Canceling a Transfer

Canceling a Transfer

How can I cancel a transfer?

Open the receipt of the transfer online or in the mobile app. The option to cancel will always be active.

If the receiver already has received the funds, can I still cancel the transfer?

No, you cannot cancel the transfer if the receiver already collected the cash or has received the bank deposit.

If you think there was an error or you want to report a problem, please call us at +1-866-858-9928.

If I already canceled a transfer, how will I get the refund?

When you cancel a transfer a member of our team will review your request. If the cancellation is approved, we will notify you.
Refunds for transfers paid by debit will be credited back to the card used to fund the transfer.
Refunds for transfers paid with cash will be sent by check, to the address associated with your Pangea account, within 3 business days.
If you experience any issues with your refund, please contact us at +1-866-858-9928.

If my cancellation is approved, will I get a full refund?


How long does it take to get the refund?

Refunds to debit cards may take up to 7 business days. Refunds for cash payments will be mailed within 3 business days.



How safe is it to use Pangea for sending money?

Your security is a priority for us so we only use proven technology to protect your information. You can learn more about it in our Privacy Policy!

How can I know my transfer has been paid?

You can track the status of your transactions at any time! Just go to the “My Account” option in your side menu of the app. We update transfer information in real time!

What do I do if there’s been an error or problem with my transfer?

Download the error resolution and cancellation notice long form (PDF).

I’m worried because I lost my phone. What should I do now?

Don’t worry. You will always be prompted to enter your mobile phone number and password to login. However, if you think your information has been compromised, contact us immediately.

What should I do if I believe someone else is using my account?

You might be a victim of identity theft. Please, call us immediately if you suspect that your account has been compromised.

How do I protect myself from fraud?

Download this tip sheet (PDF).

Does Pangea share or sell my information with other companies?

Pangea does not sell any customer information. The only time we share your information with third parties is when required by our partners to process your transactions or when required to comply with applicable law, statutes, and regulations.

If you didn’t find the answer you were looking for, remember you can call us at any time at +1-866-858-9928.