Money remittance centers are not new to Filipinos. They are convenient and cheaper compared to banks and other financial institutions and they offer their services often for a small fee. Customers that need to transfer money from one location to another don’t need bank accounts, and they are able to send their money in just a matter of seconds.

Several remittance centers offer a variety of services apart from money transfer services for their customers in the country or abroad. In fact, the Philippines is known to be the fourth largest nation to receive remittances from OFWs. In fact, Bangko Sentral ng Pilipinas recorded a remittance growth of 7.6% in personal remittances which is about $2.737 billion. The good news is that you can capitalize on the success of one of the 20,000 successful remittance centers nationwide.

Palawan Express

Since 1985, Palawan Express Pera Padala has offered money services for 35 years now. First in Puerto Princesa City, they offered only pawn brokering and expanded into money remittance, foreign currency exchange, international remittance payout and online remittance to name a few. They partnered with several corporations so that they can offer more services for the filipinos. To date, it has the largest network of partners including SM Malls, Robinsons Mall, LBC and 7-Eleven, While its branches are located in strategic locations and have a wide reach. It often has extended business days and hours and they emphasize customer care.

Franchise Fee

If you want to start a franchise of Palawan Express you have to fill up forms and applications to be evaluated by Palawan Pawnshop. Palawan requires a security bond for approved applicants. But their franchise offers are currently on hold. You may contact them on their website and landline or look for Ms. Rebecca Badayos and other Palwan Pawnshop Managers. Contact them through their website, email, or landline

Contact Information


Email: N/A

Contact No.: (Globe) 0917-301-3868 (Sun) 0932-850-8613 (Smart) 0998-962-1869 (Landline) (048) 433-41

Bayad Center

Bayad Center offers franchise for people who want to start their own remittance center. They guarantee a return of investment after 2 years. Bayad Center Franchise fee is 350,000 pesos for 5 years plus 12% value added tax.

Site Requirements

Here is the summary of the site requirements:

  • Required minimum bond for 600,000 pesos
  • A site renovation would cost 130,000 pesos
  • Equipment at 120,000
  • Minimum floor space would be 15sqm.

Contact  Information

If you have further questions you may contact them at the following:



Contact No.: 1622-6015

M Lhuillier Kwarta Padala

M Lhuillier is one of the top players in terms of money remittance. It’s easy to send money because there are 1,850 branches of M Lhuillier nationwide. Approximately 150 branches are operating 24 hours, 7 days a week.   They also have partners and you can send money even abroad. They have put up branches in malls, markets, stalls and etc so it’s easy to access their services.

Franchise Fee

Establishing a franchise of M Lhuillier require zero franchising fee, royalty fee, or annual fee. You are only required to pay for the initial Investment Fee of P99,000 for the “ML Express Package Fee.” The following are included in the P99,000 Franchise Package Fee :

  1. Initial starting fund of P25,000 loaded to the ML Wallet
  2. Marketing Collaterals
  • MLKP Express System
  1. Tablet (Lenovo Yoga 2)
  2. WiFi Printer

Contact Information

You may contact them through the following contact details:

  1. Website:
  2. Email:
  3. Contact No.: Smart: 0947-999-9352 Globe: 0917-821-5045

Steps to Franchise:

  1. Visit their website and fill out the “ML Express Business Partner” accreditation form.
  2. An ML Express Officer will contact you to proceed with your accreditation.
  3. You will be required to submit the following documents to the ML Express Officer:
  1. Company Profile
  2. Officer’s Profile
  3. Business Permit or License
  4. BIR (Bureau of Internal Revenue) Registration
  5. BSP (Banko Sentral ng Pilipinas) Registration and AMLA (Anti-Money Laundering Act) certificate
  6. DTI (Department of Trade and Industry) or SEC (Securities and Exchange Commission) Registration
  1. Pay the P 99,000 investment to M Lhuillier to get your franchise package.
  2. After accreditation, they will give you your own ML Wallet account with a P25, 000 operating fund to start your business.

Western Union

It was 1871 when Western Union offered its first Money Transfer service to the public. Initially, it was based on their existing telegraph network. They eventually replaced their telegraph business and fully transitioned into Money Transfer Services.

  1. Transfer Speed: Within minutes
  2. Western Union Operating Hours: Monday to Sunday (Business hours vary per location.)
  3. Number of Branches in the Philippines: Over 8,400
  4. Number of Branches Worldwide: 500,000 agent locations in over 200 countries

Why it’s Best to Franchise

Western Union is established worldwide and thus trusted by a wide market especially customers that remit from foreign countries. It also signed partnerships with large and established corporations and financial organizations to cater to a broader range of service needs.

Franchise Fee

It’s easy to start a franchise of Western Union. It requires zero fees. Unlike Palawan, there is no investment needed, too. You are just required to have a computer, printer and an internet connection. They will provide you with their systems, training and support, softwares and the overall strategy toolkit of the remittance center.

Site Requirements

Computer, printer and an internet connection

Contact Information


Contact No.: 02 888-1200 (Metro Manila) 1-800-1-888-1200

(PLDT Lines) 1-800-9-888-1200  (Globe) or +632 888-1200 (overseas)


Why it’s Best to Franchise

ExpressPay is a franchise business that is into low investment high profit, fast return on investment e-commerce business. The ExpressPay franchise business includes Bayad Bills Payment Center, Money Remittance local and international, Eload – Prepaid Load, Travel and Tours, Courier Services and other online based services. ExpressPay franchise business a 6 in 1 package that is ready to operate, fully set-up franchise business in the Philippines. Check our Franchise Packages

Franchise Fee

Package A: 154000

Package B: 210000

Package C 308,000

Site Requirements

  • Integrated Online e-Payment System,
  • Single Load Wallet,
  • Very Low Start-up Cost
  • Growing Service Portfolio

Contact Information



Contact No.: Smart: (+63) 9186 317 663 Globe: (+63) 9279 042 942 (+63) 9176 269 578

For More questions on how to start up the franchise you may contact the following persons in charge: Mr. Philip Rosales or Ms. Beth Pecson.

While everything is rapidly changing, we also want transactions to be faster and more convenient, regardless that we have to pay for a reasonable fee. Franchising remittance centers is an excellent venture now as we observe the e-commerce booming because of the new normal. Currently, people are drawn to buying online. Inherent to it are online transactions that are frequent and are becoming popular at a fast pace.