As a money transfer company, you will rely heavily on third parties to help you function. For hosting. For sanction screening. For PEPS screening. For card acquiring. For bank collections. For FX conversions. For payouts. For book keeping (accounting). For managing/responding to customer queries. You need to think about which service provider you will use for each of these. And it takes time. The hardest piece is the bank collection, and the FX conversion. More to follow on this in a separate post. But, if you're looking for names, here are some: WorldPay (acquiring). Sucden FX. Trulioo (sanctions, PEPS screening). Linode (hosting).