Abstract: Methods, systems and apparatus relate to remittance transactions wherein a recipient's primary account number (PAN) is replaced with a unique identifier that reduces PCI data at-rest compliance requirements for a remittance network while also containing static information that permits cardholder account level tracking. In an embodiment, a sending remittance system computer receives a remittance payment request with a remittance amount, a currency type, and a recipient's PAN. The sending remittance system computer validates the request, transmits the recipient's PAN to a unique identifier service computer, receives a unique identifier having a static portion and a unique identification portion, generates a remittance payment transaction request, and transmits the remittance request to a network partner system computer.