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Ria Money Transfer is a global remittance provider offering international money transfers to 190+ countries through 600,000+ locations, with online, mobile app, in-person, and WhatsApp sending options.
Data compiled from public sources
Ria Money Transfer has been operating for over 35 years as a reported international money transfer service. The company specializes in helping people send money to family and friends worldwide, positioning itself as a remittance-focused financial service rather than a traditional check-cashing storefront. Their core business model centers on facilitating cross-border payments rather than cashing checks or issuing money orders.
Ria offers multiple ways to send money: online via their website, through their mobile app (iOS and Android), in person at physical agent locations, and via WhatsApp integration. Recipients can receive funds through bank deposit, cash pickup at 600,000+ locations, digital wallets, home delivery, or ATM withdrawal. The service operates in over 190 countries and territories, supports over 100 currencies, and advertises competitive exchange rates. They claim to have processed over a billion safe transfers and offer a 100% listed satisfaction term.
Ria differentiates itself through their extensive agent network (600,000+ locations globally), multi-platform sending convenience (website, app, in-person, WhatsApp), established brand reputation spanning 35+ years, and high user ratings (4.9 stars on iOS, 4.5 on Trustpilot). They also emphasize speed, with transfers available "in seconds" and same-day delivery options. Additionally, Ria serves as an official sponsor of the Mexican National Team, reflecting their strong presence in Latin American remittance corridors.
While Ria positions itself as a consumer-friendly remittance service, the company is fundamentally a money transfer operator rather than a check-cashing business. The miscategorization as "check-cashing" is inaccurate—Ria does not advertise check-cashing services, money order issuance, or bill payment on their website. This is a global remittance company targeting international money senders, not a domestic financial services provider addressing check liquidity or cash access needs.
This is state-level context for Check Cashing & Money Services consumers in Mesa, AZ. It does not confirm that Ria Money Transfer - Universal Check Cashing or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Short-term lending status: Banned
General rate context: 36% APR cap on consumer loans; payday lending banned since 2010
Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.
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 - Universal Check Cashing offers 12 services including Online money transfers via website with real-time exchange rate quotes, Mobile app-based money transfers for iOS and Android with transfer tracking, In-person cash payment at agent locations, WhatsApp-based money transfer integration, Bank deposit delivery for recipients, and 7 more.
Ria Money Transfer - Universal Check Cashing has profile signals associated with Immigrants and migrant workers sending regular remittances to family in Latin America, Africa, Asia, and Europe, International business professionals needing to move funds across borders quickly and reliably, Consumers seeking multi-currency transfers with rate claims to verify and flexible payout options, Users preferring digital-first money transfer with mobile app convenience or WhatsApp integration.
Key strengths: Extensive global network with 600,000+ pickup and send locations across 190+ countries; Multiple sending channels: online, mobile app, in-person, and WhatsApp integration for convenience; Supports 100+ currencies with competitive exchange rates displayed upfront. Areas to consider: Does not offer check-cashing or money order services despite miscategorization, limiting utility for those services; Transfer fees apply (minimum $1.99 USD shown in example), adding to overall transaction cost.
In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, Amigo Check Cashing, Amigo 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 profile signals for individuals and families sending regular international remittances to relatives abroad across 190+ countries, prioritizing convenience, speed, and rate claims to verify over traditional financial services. The critical caveat is that this is NOT a check-cashing business—it is a remittance/money transfer operator, and customers needing actual check-cashing, money orders, or domestic bill payment services should look elsewhere.
760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.
Profile signals: Unbanked or underbanked consumers needing immediate access to cash through check cashing, Individuals requiring money transfer or bill payment services without traditional bank accounts
MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.
Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account
Amigo Check Cashing offers check cashing and related financial services at a Phoenix location with extended hours. Open Sundays through Saturdays with weekend availability.
Profile signals: Individuals without traditional bank accounts needing check cashing in Phoenix, Workers with inflexible schedules requiring weekend financial services
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