The M SYSTEM™ is a multi-purpose payment processing platform, used in facilitating Inward Remittances, Regional Payments within Africa (Harmonised African Regional Payments) "HARP" and Internal Remittances within a Country. The M SYSTEM™ seamlessly handles Cash - Cash payments servicing the large un-banked and under-banked African population; Account - Cash payments enabling "banked" individuals and companies interface with the informal sector; Cash - Account payments facilitating an effective interface and settlement mechanism for "un-banked" individuals to make payments to the formal sector and Account to Account payments primarily used to facilitate Intra-Regional African trade.