Abstract: A system for transfer of physical money and/or credit comprises a transferring party with a first communication device; an intended recipient with a second communication device; a facilitator; and a third party, wherein the transferring party makes a payment to a third party and receives a unique payment code associated with the amount of the payment. The transferring party sends a first message to the facilitator using the first communications device. The first message includes the unique payment code and a unique identifier associated with the second communication device. The facilitator informs the intended recipient, via a second message including a trace number, sent to the second communication device of the intended transfer and the redemption process. The intended recipient attends the premises of a third party and obtains a unique identifier associated with a third communication device in their possession.