On receipt of correspondence from the remitter, the recipient visits the nominated destination bank and submits his/her reference number and a suitable form of identification. If satisfied with the information and identification presented the bank teller logs onto the M SYSTEM™ and enters the transaction reference number supplied by the beneficiary. On submission, the M SYSTEM™ searches for the transaction, if valid the M SYSTEM™ provides on the bank teller screen transaction details which would have been provided on the payment request form submitted by the recipient.

The M SYSTEM™ prompts the bank teller to confirm and validate all transaction details on screen, before authorising the bank teller to pay-out. On successful validation, the bank teller pays out the funds in the designated currency equivalent to the recipient (see fig below) or if so wished, the recipient's account the bank will be credited with the transfer funds' amount (see fig below).