High RiskPublished guidePayments

How to Check a Money Transfer Provider Before Use

A checklist for SendNOW, Swapcoin, Volet, and other services: official domain, sender country, KYC/AML, recipient bank, limit, fee, exchange rate, refund path, support, and small test.

Red risk: checking a provider does not make the route legal for everyone. Rules depend on your country, bank, status, and recipient.

Open official guideStarts with: 115-FZ: KYC/AML

Fast path

Do this in order

Start here if you only need the order. Detailed notes are lower on this page.

Step 1
Check domain and reputation
Open the official website, inspect the URL, terms, support contacts, and avoid clones or ad landing pages.
Tip: For Ruvoya partner links, use only /go/[offerSlug].
Step 2
Check country and bank support
Confirm the service accepts your sender country, currency, and the exact recipient bank or wallet in Russia.
Tip: Save a screenshot of route availability before payment.
Step 3
Check identity requirements
Review what documents are needed, who checks them, and what happens if verification fails.
Tip: Do not use another person's documents, account, or card.
Step 4
Compare the final amount
Look beyond the headline fee: check exchange rate, fixed fees, recipient bank fees, limit, and actual crediting date.
Tip: If the final amount is unclear before payment, it is a poor urgent-money route.
Step 5
Check support and refund
Find the order ID, chat, email, response timing, and refund terms. Save them before sending funds.
Tip: No clear support path means no large transfer.

This guide is informational, not an official service. Requirements and app availability can change. Use the official links when you are ready to act.

Prepare

What you need

Official website or app
Use only the official domain or a Ruvoya /go offer link.
KYC/AML expectations
Be ready for identity, source-of-funds, and payment-purpose checks.
Refund route
Find out how the provider refunds money after rejection or error.

Checklist

Mark it off

Before you start

URL and official domain checkedRequired
Sender country and recipient bank are supportedRequired
KYC/AML and document rules are understoodRequired
Fee, rate, limit, and refund route are savedRequired

After you are done

Small test completed or route rejectedRequired
Support path and order ID savedRequired

Details

Detailed notes

Use these notes when the fast path is not enough. Each step shows what to do, how to check it, and what to avoid.

Step 1
Check
Check domain and reputation
1Compare source
2Confirm status
3Continue
Step 1
Check domain and reputation
Open the official website, inspect the URL, terms, support contacts, and avoid clones or ad landing pages.
Do
Compare the result with the official source or provider page before you rely on it.
Check
Make sure the name, status, date, provider, or app developer matches the expected result.
Avoid
Avoid continuing if the result looks different from the source-backed guide.
Tip
For Ruvoya partner links, use only /go/[offerSlug].
Step 2
Check
Result
1Compare source
2Confirm status
3Continue
Step 2
Check country and bank support
Confirm the service accepts your sender country, currency, and the exact recipient bank or wallet in Russia.
Do
Compare the result with the official source or provider page before you rely on it.
Check
Make sure the name, status, date, provider, or app developer matches the expected result.
Avoid
Avoid continuing if the result looks different from the source-backed guide.
Tip
Save a screenshot of route availability before payment.
Step 3
Check
Check identity requirements
1Compare source
2Confirm status
3Continue
Step 3
Check identity requirements
Review what documents are needed, who checks them, and what happens if verification fails.
Do
Compare the result with the official source or provider page before you rely on it.
Check
Make sure the name, status, date, provider, or app developer matches the expected result.
Avoid
Avoid continuing if the result looks different from the source-backed guide.
Tip
Do not use another person's documents, account, or card.
Step 4
Check
Compare the final amount
1Compare source
2Confirm status
3Continue
Step 4
Compare the final amount
Look beyond the headline fee: check exchange rate, fixed fees, recipient bank fees, limit, and actual crediting date.
Do
Compare the result with the official source or provider page before you rely on it.
Check
Make sure the name, status, date, provider, or app developer matches the expected result.
Avoid
Avoid continuing if the result looks different from the source-backed guide.
Tip
If the final amount is unclear before payment, it is a poor urgent-money route.
Step 5
Check
Check support and refund
1Compare source
2Confirm status
3Continue
Step 5
Check support and refund
Find the order ID, chat, email, response timing, and refund terms. Save them before sending funds.
Do
Compare the result with the official source or provider page before you rely on it.
Check
Make sure the name, status, date, provider, or app developer matches the expected result.
Avoid
Avoid continuing if the result looks different from the source-backed guide.
Tip
No clear support path means no large transfer.

Open when needed

Useful links

Open these when a step points you to an official page, provider page, or child guide.

Open sources and partner checks

Official link115-FZ: KYC/AMLLegal basis for identification and financial monitoring in Russia.www.consultant.ru

Avoid

Common traps

Checking only the headline fee

Compare the final amount after exchange rate, fixed fees, and recipient bank fees.

Ignoring a bank rejection

If a bank or provider rejects the transfer, do not route around it through another person's account.

Questions

Quick answers

Sources and report outdated information8 sources. Open this when you want to verify the guide or send a correction.

Sources

https://www.cbr.ru/faq/w_fin_sector/transgranichnie_perevodi/www.cbr.ru https://www.consultant.ru/document/cons_doc_LAW_32834/www.consultant.ru https://ofac.treasury.gov/faqs/1028ofac.treasury.gov https://finance.ec.europa.eu/publications/provision-payments-services_enfinance.ec.europa.eu https://www.gov.uk/government/publications/financial-sanctions-guidance-for-russia/financial-sanctions-guidance-for-russiawww.gov.uk https://sendnow.money/businesssendnow.money https://swapcoin.me/agreementswapcoin.me https://volet.com/agreement-canadavolet.com

Report outdated information

Tell us what looks wrong or needs checking. We review reports before changing guides.

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