What are my rights when sending money from the United States?

Last updated: 20 August 2026

When you send money internationally from the US, federal law gives you specific protections on fees, cancellations and errors. Here's what you're entitled to.

Note: This article applies to US customers only.

What to do if you think there has been an error with a transfer

You have the right to dispute errors or problems with your transfer. If you think there is an error or problem with your transfer, please contact us as soon as possible:

You must contact us within 180 days of the date we promised that the funds would be made available to your recipient (this is in your receipt).

When you contact us, please provide:

  1. 1Your full name and registered email address
  2. 2The error or problem with the transfer and why you believe it is an error or problem
  3. 3The full name of the person receiving the funds
  4. 4The amount of the transfer
  5. 5The transfer ID shown on the receipt

We will determine whether an error occurred within 90 days after you contact us and will correct any error promptly. We will tell you the results within three business days after completing our investigation. Even if we decide there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation.

If you have sent your transfer to the wrong person by mistake, we will do our best to help but may not be able to refund the transfer.

What to do if you think there has been an error with your wallet

You have the right to dispute errors or problems with your wallet. Review your monthly statements carefully, and if you think there is an error, please contact us as soon as possible using the same contact details above.

You must contact us within 60 days of the date of your statement. When you contact us, please provide:

  1. 1Your full name and registered email address
  2. 2The error or problem with your wallet and why you believe it is an error or problem
  3. 3If the error relates to a transaction: the date and amount of the error, and the transfer ID shown on the receipt

If the error relates to an unauthorised transaction or issues with a wallet load or missing statement, we will determine whether an error occurred within 10 days and correct any error promptly. We will tell you the results within three business days. You may ask for copies of documents used in our investigation.

What to do if you want to cancel or refund a transfer

Please note that sometimes a cancellation or refund may take a little longer to reach your account due to the processing times of the banks and other parties involved. Typically, we see a delay of 3–5 business days.

All US users

Subject to the conditions below, you have the right to cancel a transfer. You must contact us within 30 minutes of sending your transaction and before funds have been deposited to your recipient's bank account or mobile wallet, received via a delivery service, or collected by your recipient.

When you contact us you must provide: your full name, address and phone number; the amount of the transfer; and the transfer ID shown on the receipt.

We will refund your money within three business days of your request to cancel, as long as the funds have not already been received or collected by your recipient.

Residents of Washington

You have the right to request to cancel a transfer and obtain a refund if we have not yet delivered the money. You must request it in writing at Taptap Send Payments Co., 228 Park Ave S., Suite 87488, New York, NY 10003-1502, or by emailing support@taptapsend.com.

Residents of Alaska, Hawaii or Vermont

You also have the right to obtain a refund if we have not delivered the money within 10 days of receiving it. Write to us at Taptap Send Payments Co., 228 Park Ave S., Suite 87488, New York, NY 10003-1502. If you do not receive your refund, you may be entitled to your money back plus additional penalties and attorneys' fees dependent on state law.

Residents of California

You also have the right to obtain a refund if we have not forwarded the money within 10 days of receiving it. Mail or deliver your written request to Taptap Send Payments Co., 228 Park Ave S., Suite 87488, New York, NY 10003-1502. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to section 2102 of the California Financial Code.

Fraudulent transactions and scams

Warning: could someone be trying to scam you? Fraudsters can pose as loved ones or as selling a service or product to trick people into sending them money. If you're unsure about the recipient, please stop the payment now.

Never share your credentials with anyone. Fraudsters will attempt to obtain your credentials to initiate unauthorised transactions. Never give your login, account, or complete debit card information to anyone. We will never ask you for any of this information.

Fraudulent transactions may result in the loss of your funds with no recourse. If you suspect someone has unauthorised access to your account, contact us immediately.

You can find more detail on your rights in the User Agreement.

Still need help? Contact our support team through the app.