Abstract: Disclosed herein are systems and method for facilitating money transfer transactions between a sender and a recipient. In general, the systems and methods include: (a) a point-of-service terminal (POS) receiving an initiation payment from a sender; (b) a pre-funded account that receives replenish payments from the POS; (c) a money transmitter terminal that receives a funding payment from the pre-funded account, and provides a fulfillment payment to a recipient; and (d) a centralized service provider linking the POS, the pre-funded account, and the money transmitter. In operation, the centralized service provider (1) receives presentment data, from the POS, indicating that the sender has provided the initiation payment at the POS, (2) provides a computerized notification to the money transmitter, instructing the money transmitter to provide the fulfillment payment to the recipient, and (3) facilitates the replenishment of the pre-funded account.