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Ria Money Transfer is an international remittance service enabling customers to send and receive money across 190+ countries through online, mobile app, in-person, and WhatsApp channels.
Data compiled from public sources
Ria Money Transfer, operating as Patron Envios & Mas Inc, has over 35 years of experience in the international money transfer industry. The company facilitates cross-border remittances for customers needing to send funds to family and friends worldwide, processing over a billion transfers to date. Their infrastructure includes partnerships with more than 600,000 pickup and payout locations globally, positioning them as a major player in the consumer remittance market. The company operates primarily as a check-cashing and money transfer service, distinct from consumer lending or credit products.
Ria's service portfolio includes multiple sending channels: online transfers via their website, mobile app-based transfers, in-person cash payments at retail locations, and WhatsApp-based money transfers. Customers can receive funds through bank deposits, cash pickups, digital wallets, home delivery, and ATM withdrawals. The platform supports transfers to over 190 countries and territories, with advertised competitive exchange rates and listed fee structures. For example, their website displays a promotional rate on first transfers with fees starting at $1.99 USD for certain corridors. The company emphasizes speed, claiming transfers can be completed in seconds.
Ria differentiates itself through brand recognition and scale—they sponsor the Mexican National Team and maintain high mobile app ratings (4.9 stars on iOS, 4.5 on Trustpilot). Their multi-channel approach allows both digital-native and in-person customers to access services. The company offers tools like a currency converter and IBAN calculator to help users understand rates before committing to transfers. Additionally, their WhatsApp integration represents a modern channel that appeals to tech-forward users in emerging markets.
However, Ria operates in a competitive remittance market where fees, exchange rates, and delivery speeds vary significantly by corridor and payment method. While the website emphasizes fast transfers and broad geographic reach, actual fees and rates are transaction-dependent and not universally disclosed. The service is primarily suited for international remittances rather than domestic money movement or alternative financial services, limiting its utility for customers seeking credit access, financial planning, or credit-building tools.
This is state-level context for Check Cashing & Money Services consumers in Philadelphia, PA. It does not confirm that Ria Money Transfer - Patron Envios & Mas Inc or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Short-term lending status: Banned
General rate context: 6% for non-licensed lenders (24% for licensed small loan companies); payday lending banned
Pennsylvania effectively bans payday lending through its strict usury laws. Licensed consumer discount companies can charge higher rates but remain well below payday loan levels. Consumers can file complaints with the Department of Banking and Securities or the Attorney General's Bureau of Consumer Protection.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ria Money Transfer - Patron Envios & Mas Inc offers 12 services including Online money transfer via website, Mobile app-based money transfers, In-person cash payment at retail locations, WhatsApp-based money transfers, Bank deposit delivery, and 7 more.
Ria Money Transfer - Patron Envios & Mas Inc has profile signals associated with Immigrants and expatriates sending regular remittances to family in developing countries, International workers needing to transfer earnings across multiple corridors, Customers preferring multiple sending/receiving channels and geographic flexibility, Users seeking established, recognizable remittance brands with high transaction volume.
Key strengths: Over 600,000 pickup and payout locations globally across 190+ countries; Multiple sending methods including online, mobile app, in-person, and WhatsApp transfers; 35+ years of operational experience with over 1 billion transfers processed. Areas to consider: Transaction fees apply and vary by corridor and payment method ($1.99 USD minimum shown for Mexico example); Exchange rates fluctuate and are dependent on specific corridors and payment combinations.
In the Check Cashing & Money Services category, comparable providers include Bob's Check Cashing & Pawn Shp, Check & Cash Express, Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Ria Money Transfer is best suited for individuals with international remittance needs across established corridors, particularly those sending to Latin America, Africa, Asia, and Europe. The main caveat is that this is a listed remittance service without credit products, loans, or credit-building features—it solves money movement problems, not financial access or credit challenges.
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