girosmore.com.ar

What It Is

+More is a cross-border remittance app and offline money transfer service launched by More Payment Evolution. It is aimed at individual users in Argentina who need to send money overseas. The website emphasizes that users can initiate transfers from home via mobile phone or visit a nearby agent location, positioning the service as a “simple, fast, and secure” personal international money transfer solution.

Core Capabilities and Coverage

Its primary use case is sending money to family and friends abroad, rather than merchant acquiring or business payments. The site lists supported destination countries including Venezuela, Peru, Paraguay, Bolivia, Colombia, Brazil, Chile, Mexico, the Dominican Republic, and Uruguay. In the FAQ, it also claims coverage across South America, Central America, the United States, Europe, and other parts of the world. On the receiving side, it works with a number of local payout institutions, such as BNB, FIE, and Banco Ecofuturo in Bolivia; Bancolombia and Davivienda in Colombia; Interbank and BCP in Peru; and Red Pagos in Uruguay.

Pricing and Delivery Time

The website does not disclose fees, exchange rates, FX markups, or minimum/maximum transfer limits, nor does it clearly state delivery times. This is the main weakness when evaluating cost transparency. One useful detail is its “guaranteed destination amount”: the site states that the recipient will receive the amount specified by the sender, and the amount will not change even if the recipient collects it later.

Compliance, Risk Controls, and Support

The risk-control information is relatively basic: offline transactions require presenting a DNI, and after sending a transfer, the sender receives a tracking/control number that can be shared with the recipient for collection. Customer support is available by phone on weekdays from 9:00 to 18:00, as well as via WhatsApp, email, and an in-app support form. However, the page does not display regulatory licenses, license numbers, or details of AML compliance.

Pros, Cons, and Who It Is For

Its strengths are clear Latin America corridors, localized payout networks, and support for both Android/iOS apps and agent locations. It is suitable for immigrants, workers, and family remittance users in Argentina. The drawbacks are that pricing and delivery times are not transparent, and +More currently only supports sending money, not receiving money through the app. There is also no visible API or enterprise integration capability, so it is not suitable to assess as a merchant payment gateway.

Access from China and Alternatives

The page does not provide information on access from mainland China, RMB payments, or payout capability to China, so actual availability is unknown. If you need global coverage, transparent pricing, or digital account features, you may compare it with services such as Western Union, MoneyGram, Remitly, Wise, and Ria Money Transfer.