Remitz

Remitz gives licensed MTOs, fintechs, and MSBs a white-label remittance stack with AML/KYC, real-time FX, and payout connectors in 15-30 days, but the verdict is explicit: agencies cannot resell it as a client service because the operator must hold its own FCA money transfer licence or SPI status. The £79/month SPI Licence Applicant tier turns the platform into a paid sandbox for licence applicants, which is the only recurring revenue an agency can legitimately attach to it. Agencies that sell Remitz as a delivery product are selling something the buyer cannot legally operate without their own authorisation.

The Remitz Licence Gate is a pre-sale filter: Remitz only deploys for operators who hold or are actively applying for FCA money transfer authorisation, because the platform is white-label infrastructure, not a service an agency can resell under its own brand. The pricing makes the gate concrete. The SPI Licence Applicant tier at £79 monthly gives applicants a hosted sandbox, compliance workflow practice, and application evidence preparation with no setup fee, and the sandbox converts to production on upgrade. Starter at £299 monthly adds a white-label portal, basic KYC/AML, and up to 5 corridors. Growth at £799 monthly scales corridors and support. For an agency advising an MSB founder, the gate decides the engagement shape: licence in hand means a 15-30 day launch retainer covering branding, KYC/AML workflow setup, FX and fee logic per corridor, and payout gateway integration; licence absent means a compliance advisory engagement, not a platform deployment.

Reminder Cadence Ladder is a framework for treating payment collection as a scheduled sequence rather than an act of willpower. Each rung of the ladder fires at a fixed interval after invoice delivery: a pre-due nudge, a due-date confirmation, a short grace window, then a firmer escalation with a named account contact. The point is that most agency DSO is not caused by clients refusing to pay; it is caused by invoices sitting unseen in an inbox while the account manager waits to avoid seeming pushy. Automating the ladder removes that social friction and makes the follow-up the system's job, not a person's. The category description frames the leverage exactly here: reducing days sales outstanding through automated reminders and payment gateways. A concrete illustration sits in the tooling itself, where platforms such as Invoice Ninja and Xero pair recurring billing with scheduled dunning, and Agicap extends the same logic to 13-week cash forecasting so an agency can see the ladder's effect on liquidity before month end.

Collection Friction Map treats days sales outstanding as a sum of small frictions rather than one big delay. Each handoff in the invoice-to-cash path (time capture, approval, invoice send, payment method, reconciliation) adds hours or days, and agencies usually fix the loudest one while ignoring the compounding ones. Map every step, count the elapsed days at each, then attack the widest gap first. A studio billing through Harvest may find that time-to-invoice is fast but clients still pay late because the only option is a bank transfer; adding a card or direct debit gateway such as GoCardless at the invoice level often moves more cash than another reminder email. The framework matters because retainer agencies run on predictable inflows, and a five-day DSO improvement on $80k monthly billings frees roughly $13k of working capital. Audit the path quarterly, since client payment behavior shifts with their own budget cycles.

Adopt Remitz only when the client owns the licence and the agency is paid to configure, integrate, and advise, never when the agency is expected to resell remittance as its own service.

Instrument days sales outstanding and reminder automation first, and only then decide whether a new invoicing platform earns a place in the stack.

IF your client holds or is actively pursuing an FCA money transfer licence and needs a branded remittance platform live inside 15-30 days, THEN Remitz is the right infrastructure: the SPI Licence Applicant tier at £79/month provides a hosted sandbox for compliance workflow practice and application evidence preparation, and the Starter tier at £299/month delivers a white-label customer portal with basic KYC/AML integration and up to 5 corridors. IF your agency does not hold an FCA authorisation and cannot resell Remitz as a client service, THEN skip it entirely, because the platform requires the operator to retain their own licence and provider relationships.

A 10-14 day delivery sprint that stands up a branded Remitz sandbox for an MSB or fintech client in FCA SPI application, then converts it to a live production platform with AML/KYC workflows, FX corridor logic, and payout connectors configured.