Abstract: Embodiments of methods for transferring money using a payroll deduction process is described. An employer acting as an agent for a licensed money transmitter deducts money an employee desires to transfer to an intended recipient from the employee's periodic compensation. A transfer request is processed with the licensed money transmitter over a secure network thereby making the money available to an intended recipient in a remote location at an agent of the licensed money transmitter. A unique transaction code is provided to the employer who then provides the unique transaction code to the employee typically with the employee's paycheck. The employee provides the unique transaction code to the intended recipient who can then pick up the money at the agent by tendering the unique transaction code.