• TMX is not a functioning as a pay processor or a gateway provider. In all cases, TMX is the actual receiver of ALL payments made on our systems
• TMX is an online international eCommerce/eWallet services provider to individuals and merchants from across the world. TMX does not operate as a gateway or pay processor though but uses various gateways on our systems to receive payments from users / members
• Send money across the world to anyone with an email address or Receive money to your email address in REAL time!
• Send money from member to member
• Send money from member to a non-member
• Request money from any member or non-member
• Pay Online for goods, services or auctions
• Merchant services for various businesses across the globe
• Mass Payment feature
• Escrow services

1. Open your FREE account;
2. Add money to your new account with the Deposit feature;
3. Then use your money for online shopping, auctions, send money to anyone across the world or make a bank withdrawal

   ...easy as that!

• We offer a cost effective global eCommerce service to individuals and businesses
• Secure and Safe transactions with SSL and various XSS filters to ensure full protection
• Sending / Paying money via the TMX system is FREE to all our members!
• Various alternative payment options on the system
• 128-256bit SSL encrypted communications with our servers
• All money is kept with regulated banks with adequate insurances
• Easy and Quick to use- easy as sending an email!
• Offshore Protection, Privacy and Anonymity in Tax Free jurisdiction
• Effecient Customer Support
• titanmoneyexpress is an offshore service with global reach
• We participate with regulated banks and counterparts in all our business operations

• Our services are quick and easy to use with much less hassles than your typical credit card procedures
• How easy is this? If you can send an email you can use our services!
• No monthly account or admin fees like with credit cards
• No statement fees
• No renewal fees
• No yearly expiry and renewal processes
• More favorable with online sellers than credit cards for various reasons
• It is very very quick! Send money around the world at the click of a button!
• Total Privacy and NO Tax Reporting

  View the fee schedule

• The Member type refers to the Verification Status of the Member which determines the risk profile and fees associated with the account. read more
• An Unverified account is operational but with limited account features and higher rates until KYC verification was completed

• The available deposit options can be seen on the Deposit tab on your account

• Personal Accounts → more info
• Personal Prestige Accounts → more info
• Merchant Accounts → more info

1. Any natural person above 18 years;
2. Any legal entity with legitimate Incorporation and Registration papers;
3. Entities from certain countries are not allowed to make use of our services and  will NOT be allowed to register. See our Terms and Conditions

• No it is not the same. Your titanmoneyexpress account is electronic money which belongs 100% to the account holder
• The physical money stays in our regulated and insured banks at all times
• These monies are redeemable at any time
• These monies do not incur bank interest rates or interest charges of any kind
• These monies are not deemed "bank deposits"

• Since titanmoneyexpress is a service brought to you by Titan Financial Group Ltd., a registered company within the tax haven jurisdiction of the Commonwealth of Dominica, the following benefits are evident:
  • Privacy- Your business profile and dealings with us are deemed private and confidential and protected by law just like typical Swiss accounts. Complete privacy!
  • Anonymity- None of your personal details will ever be made known to any third party due to legal protection offered by our jurisdiction
  • No TAX- None of your financial details or business activities will be disclosed to any tax authority or to any 3rd party at any time
  • Your account with us is "OFFSHORE" with related status and protections

  Please note our Terms and Conditions

• All money send by bank wire is kept at our regulated bank with adequate insurance. Our international bank used is Loyalbank Ltd. in St. Vincent (www.loyalbank.com)
• Funds sent to us through the moneybookers.com gateway are kept in our corporate account with moneybookers.com
• Your funds belong to you and you may use or withdraw these anytime when needed
• Your account is accessible by a combination of your login name and password with a security pin and a payment pin  required to transact!
• All online transactions are encrypted by SSL up to 256 bit server encryption (look for the pad lock in your browser) with various XSS filters built in
• CAPTCHA imaging is used to protect all form submissions
• For certain merchant services where 3rd party gateway services are used, such risk is equal to the 3rd party service provider capability or actions

• All information is protected and not shared with any 3rd party
• Online transactions are secured with up to 256bit server encryption
• Please read our Terms and Conditions

• This constitutes payments from an account which is not in the sender or sender business name
• Our customers may only receive or withdraw funds to a bank or other account that has the same beneficiary details as the sender
• 3rd party payments are not accepted due to international anti-money laundering laws

• All legitimate online merchants except those listed here >>

• Due to international anti-money laundering laws such are considered as a 3rd party payment and is not allowed
• Due to security reasons each legal entity (person or business) may only have one account
• You may have a Personal account and a Business account but each must have it's own email and bank details as separate entities

• Personal Accounts may add 1 email address
• Personal Prestige Accounts may add up to 2 emails
• All Merchant Accounts may add up to 9 email addresses

  Note: Each entity is allowed to hold one titanmoneyexpress account only!

• No personal accounts may not use our merchant services
• You will have to open a merchant account to use the merchant services
  

  more info on merchant accounts

• If any reports was received of fraud or suspected fraud the account might be suspended" till the matter was resolved
• If the Member registered with fake details, especially fake email address. Member must contact us to correct the details so Admin can re-enable the account
• If our messages to any Member return as "undelivered" or treated as "spam" more than 3 times in a row- contact us to re-instate
• If the Member accounts has been inactive for longer than 12 months
• A bridge in our Terms warrants an immediate account suspension
• If you believe there was an incorrect account suspensions, please contact us to remedy the account

• You can pay to any other account currency on the system. Conversions are done based on the current system exchange rates
• Multi currency payments available

• A forex volatility rate apply to any currency conversion made by titanmoneyexpress. This is added to the prevailing exchange rate to cover the related conversion risk involved

  View the fee schedule

• Personal Account -
  • Account opening FREE
  • Monthly incoming limit lower
  • Cannot use mass pay feature
  • Can use escrow services
  • Can use recurring pay services
  • One email address
  • Limited use with basic features
  • Least expensive account
  • May upgrade to Prestige account at any time
• Personal Prestige Account -
  • Account opening FREE
  • Higher monthly incoming limit
  • For active buyers
  • Mass pay allowed
  • Recurring pay services allowed
  • Up to 2 email addresses
  • Escrow services allowed

• A personal account is an account in the name of a natural person only
• Personal accounts can be used to send money to family and friends across the world. All that is needed is a free account with titanmoneyexpress
• Personal accounts may not use our merchant services. Open a merchant account to use our merchant services
• You can also use your personal account to do online shopping from any merchant who is enrolled as a merchant with titanmoneyexpress (if your merchant is not a member, let them open a free merchant account with us and you are set to go!)
• Pay for goods and services on auctions
• Personal accounts may use our escrow services
• Make withdrawals to your bank account
• Request money from non-members

• Account opening is FREE

• Online Application form and;
• Secure confirmation of your primary email address;
• Copy of your ID /Passport (new measure due to card fraud levels!)
• Copy of Utility Bill as Proof of Address (new measure due to card fraud levels!)
• Any other documents that might be required by our Compliance Desk

1. First fund your account using the Deposit option on your account;
2. Login to your account and press the "Pay" option. Follow the online screen

• Yes you can request money from a non member by using the "Request Money" feature
• You can also request money from a member with this feature
• You must be logged in to your account to use this service

• International Bank wires in EUR and USD only
• System payments can be made in any of the availabe system currencies. System currency rate conversions are made automatically by the system

• Provide the sender with your email address and instruct them to send you the money via titanmoneyexpress. The sender must have an active account with titanmoneyexpress to send money to you
• The money will be credited to your account instantly if send from another member
• You can request that any member or non-member send you money by using the "Request Money" feature after you logged into your account

• Yes incoming limit are set depending on account type. See fee schedule for more details
• No withdraw limits apart from having a verified acount status

• If the payment status is still "pending" you may cancel it
• If the payment was processed already you cannot cancel it anymore

• FREE to send money

• FREE to request money from members or non-members
• For payments received -see fee schedule for more details

1. Login to your account;
2. Click on the "Withdraw" option and follow the screen
3. You can withdraw to any bank account over the world with a SWIFT or IBAN code
4. You can withdraw to your bank even if your bank makes use of correspondent banks
5. You can also withdraw directly to your moneybookers.com eWallet account
6. You can withdraw funds back to your credit card
7. You can withdraw funds bank to your debit card / bank transfer
8. NOTE: Your account must be KYC verified before a withdraw will be allowed

• Different fees apply for the different options available to you
• See fee schedule for more details

• To make the bank wire cost effective to our customers, a minimum wire amount of $250 is set on all accounts
• Withdrawals limits are indicated on the Withdraw page on the system

• USD, EUR

• In essence the merchant must proof actual substance to the website;
• If the Owner or Manufacturer, merchant must be able to provide adequate proof of product ownership (meaning you have the product and you own it);
• Wholesalers and Distributors of goods must have License or Contract to sell from Manufacturer or Owner or Purchase Invoices;
• Resellers must have License to sell or Contract to sell from Manufacturer or Whole Saler company or Purchase Invoices;
• Any other related License to Sell from authorities as Proof of Product / Service and legitimacy of business operations
• Example: You cannot sell Nokia phones from a website without any of the above Contracts to Sell in place from Nokia or an Authorized Nokia Wholesaler in your country . A website only is no proof of product and does not count as evidence

• Risk level and ratios determined at the discretion of titanmoneyexpress and may be amended as market conditions prevail
• Merchant Accounts are able to:-
  • for all existing and NEW online businesses (start-ups accepted)
  • international web shop owners
  • open your account in another currency (GBP or EUR)
  • the online SCI cannot effectively be used as a VT for manual / phone type orders due to built in fraud alerts from the gateway, some merchants are successfull in processing phone orders and others are not
  • we accept higher risk merchants, international merchants
  • make use of our free SCI for website payments and other tools
  • add up to 9 extra email addresses to your profile (verified merchants only)
  • use the request money feature
  • use the mass pay services
  • use the recurring pay services
  • use the escrow pay services
  • use the new Invoice Management System (IMS)

• To proof the Authenticity and Legality of your business operations. Use a "verified" logo on our site for visitors to see
• To ensure that it will be Safe and Secure for our Members to do business with you as our merchants
• To benefit from the better rates we offer
• Merchant payments might be subject to reversals and or chargeback especially concerning fraud, suspected fraud, money laundering or any other related illegal activities stated on our Terms
• KYC Verification is an international standard to proof identification

• These include all credit and debit card payments either through the SCI and deposits made on the system through the gateway interface
• We reserve the right to reverse any such payments back to the payer when such is requested by the issuing bank or issuing processor and is considered legitimate
• If the receiver of such monies already withdrew the funds from the system an immediate refund should be made in order to payback the requesting bank or processor
• Refer to our Terms

• See How?

• Shopping Cart Interface (SCI) - integrate the SCI on your checkout page and your customers can pay you directly with one click through the system gateway or;
• Manual Payment - instruct your customers to pay you manually by supplying your invoice with your merchant email address. Customer log into the system and pay you manually
• Use the "Request Money" feature to submit your money request to Members or Non-Members
• Note: Your customers can fund their TMX accounts with any of the deposit options available on the member account under the Deposit tab

• All international and legitimate businesses /merchants selling goods or services
• All business with the required paperwork as proof of legitimacy
• Sole Proprietors with a legitimate business operation and Proof of Identification also allowed

Industries Not Allowed here

• See the account requirements for this

• Merchant tools are provided FREE of charge
• Your customers are able to pay either by "Email" option or by "SCI Gateway API" option
• See merchant tools

• Account opening is FREE
• No monthly admin or maintenance fees
• No minimum trade volumes required
• No hidden fees
• For certain riskier applications a security deposit might be required- different options to choose from exist. See the merchant agreement for such details

• All major currencies accepted through credit and or debit card funding option
• Bank wires in EUR and USD
• System cross currency payments possible between members or from seller website 

• Yes. For every payment receive into your account, an automatic payment notification of "funds received" will instantly be send out to your registered email address

• Yes you can request money from a non member by using the "Request Money" feature on the menu bar

• Rolling Reserve limits are determined during the initial verification process.
• These limits might be adjusted over times as the business relationship gets established

1. Login to your account;
2. Click on the "Withdraw" option and follow the screen
3. You can withdraw to any bank account over the world with a SWIFT or IBAN code
4. You can withdraw to your bank even if your bank makes use of correspondent banks
5. Withdrawals only allowed on a verified acount status

• See fee schedule for more details

• Usually this is not required but in certain cases this might be requested from an applicant due to the risk profile of the application and it other cases it might not be required at all
• Since we offer international offshore processing services we must be vigilant against fraudsters and scammers therefore we require some assurance of legitimacy from certain merchant applicants
• If so requested, the acceptable security options are outlined in the merchant agreement
• This clarifies the merchants intentions with us and demonstrates legitimate substance to do business
• This acts as a security measure to protect buyers and TMX against fly-by-night online sellers

• To make bank wire cost effective to our customers, a minimum withdraw amount of   is set on all accounts. See your account for details.
• Depending on Rolling Reserve settings
• The rest of the withdraw options and fees are displayed on the Withdraw page on the system

• USD, EUR

• A chargeback can either be legitimate or illegitimate (see Terms for details!)
• Legitimate chargeback's issued due to online gateway payments made to merchants the client bank are charged according to the fee schedule
• We assist our merchants in disputing any chargeback made. A merchant must be able to able to provide us with: -Proof of Order placed on website (no phone orders); -Proof of Delivery (if delivered already -Any other information to proof the legitimacy of the order
• Note: Depending on the 3rd party gateway provider, some providers do not llowe chargeback or any other form of dispute

• Rolling reserves are designed to protect a merchant from Member chargeback's which may be instigated by the Member up to 6 months after any sale
• Rolling Reserve rate is linked to the risk profile of the business. read more
• TMX reserves the right to alter the RR rate as is deemed necessary if evidence of high returns or customer complaints about the merchant business occur

• Merchant issues a refund by clicking on the "refund" option next to the transaction in the History tab
• Refunds to Members are processed automatically. Refunds to Non Members are processed by Admin
• Refunds can be issued within 21 days of the transaction date. After this period period the merchant sends a Refund Request to Admin to do the refund.
• Transaction fees are NOT refundable

• All merchant payments received through the TMX system are irreversible once executed. TMX is transacting in cash only (hard currency)... the merchant stays paid!. This does not apply to illegal transaction activities!
• Payments received via credit card (soft currency) through external processors linked through TMX may be subject to reversals especially if suspected merchant fraud has been reported or if the customer requests a "chargeback".

High Risk Industries here

• It works great for email and phone orders or any type orders that needs approval first before payment processing needs to be done like prescriptions or similar;
• The IMS is not a virtual terminal though
• This is a FREE service available to only TMX merchant account members

• Buyer has the peace of mind to know that the seller has to perform according to the terms of sale before the money gets released. No performance, no payment!
• Any international sale can be covered including auctions etc.

1. Buyer executes an escrow pay from the system. Go to Pay>Escrow Pay or on the Payments page during the checkout process;
2. Seller receives the escrow payment notification for acceptance or rejection;
3. If accepted, seller performs accordingly;
4. Once buyer receives the goods/services buyer releases the escrow;
5. Money gets paid over the merchant
6. How does it work? See here

1. TitanMoneyExpress Admin Desk will be notified of this dispute for resolution attempt or final decision in the matter;
2. The decision will be final and irrevocable. We strongly suggest the parties involved to solve the matter amicably before the dispute is referred to Admin Desk

• The buyer is protected against fraudulent sellers in that NO funds are released to the seller until the buyer is satisfied with the merchandise
• Buyer will not be involved in a scenario of "undelivered goods"
• Fraudulent sellers details are reported to the appropriate authorities

• Seller knows that the buyer is capable to pay and that the funds are received already and kept secure
• No charge backs involved since payment is irrevocable. (accept where fraud or other illegal activity was perpetrated, chargeback's might occur)
• Fraudulent buyers details are reported to the appropriate authorities

• Buyer must inform seller of the rejection
• Buyer must then send the goods back to the seller with a respectable delivery service
• The buyer receives his funds back only after the seller has received the goods in good order

• See fee schedule for more details

• For insured shipments the insurance company takes care of the damages
• For uninsured shipments the buyer and seller has to come to a resolution on how to proceed and inform titanmoneyexpress accordingly

• Mass payment allows the sender to send variable amounts to multiple recipients simultaneously
• Up to 1000 recipients can be entered at once. ISP restrictions for email delivery notices might occur- check with your ISP
• csv upload supported (in notepad or excel with comma delimited format)

• Save time and costs by sending payments to multiple receivers at once
• Quick and Effective

• Only merchants accounts

• See fee schedule for more details

1. Login> Click on Pay>Mass Pay
2. Follow the screen instructions

• The account history tab shows the status of each payment either as completed or pending or cancelled

• Recurring pay allows the Member to pay any Member or non Member on a set payment schedule. Especially to pay suppliers or staff on schedule
• The payment schedule can either be on a weekly or monthly cycle
• Member must ensure to have sufficient money in the account before the payment cycle is triggered by the system or it will be made "inactive"

• Recurring pay might be used by all account types
• Click on Pay and Recurring Pay

• See fee schedule for more details