Felix Detailed Review

Rates, Fees, Limits, Safety and More

Last updated: August 02, 2025

What is Felix Pago? An introduction

Felix Pago is an innovative financial technology company on a mission to revolutionize how Latino immigrants in the United States send money to their loved ones.

At its core, Felix Pago believes that sending money should be as simple, familiar, and secure as sending a WhatsApp message. By building its entire service on the WhatsApp platform, Felix Pago eliminates the friction of downloading new apps or navigating complex websites, meeting its customers in the digital space where they already live, work, and connect with their community.

Felix Pago company information

Founded on the principles of trust, transparency, and user empowerment, Felix Pago is more than just a money transfer service; it is a financial partner for the communities it serves.

The company has designed its entire experience around the specific needs of its customers, creating a chat-based flow that is intuitive, conversational, and accessible to everyone, regardless of their technical expertise. This customer-obsessed approach ensures a delightful and stress-free experience for every user.

Felix Pago by the numbers

Felix Pago's innovative model has fueled remarkable growth and earned the trust of a rapidly expanding user base. The scale of its business is a testament to the value it provides.

The below statistics help put Felix Pago's financial and customer reach and impact in perspective.

• Users: Over 1 million users have signed up for the service since its inception.
• Active Community: Felix Pago supports a vibrant and engaged community of over 300,000 monthly active users.
• Business Focus: Felix Pago is exclusively focused on serving the peer-to-peer consumer remittance market.
• Global Reach: The service enables transfers from the U.S. to 6 key countries in Latin America, delivering payments in local currencies: the Mexican Peso (MXN), Guatemalan Quetzal (GTQ), Honduran Lempira (HNL), US Dollar (USD for El Salvador), Dominican Peso (DOP), and Colombian Peso (COP).
• Experience: Felix Pago has been an expert in the currency transfer business since 2017.

Felix Pago helps customers send money from the United States to 6 destinations across Latin America using WhatsApp. This innovative money transfer process helps reduce friction and increase inclusivity for their customers.

What services does Felix Pago provide?

Felix Pago specializes in international money transfers trough WhatsApp, reimagined for the modern world.

The company's core service allows users to initiate, fund, and track cross-border payments entirely within a WhatsApp conversation. Key features of the service include real-time transfer speeds, a transparent flat-fee structure, competitive exchange rates, and dedicated 24/7 customer support, all accessible through its friendly and automated chat interface.

With Felix Pago, you can send money internationally using WhatsApp by engaging conversationally with their service.

Which countries does Felix Pago operate in?

Felix Pago empowers users to send funds from the United States to a growing list of destinations in Latin America.

Where can I send money from with Felix Pago?

With Felix Pago, you can send money from the United States.

Where can I send money to with Felix Pago?

Currently, you can send money with Felix Pago from USA to:

• Mexican Peso (MXN)
• Guatemalan Quetzal (GTQ)
• Honduran Lempira (HNL)
• US Dollar (USD for El Salvador)
• Dominican Peso (DOP)
• Colombian Peso (COP)

For most of the above destinations, you can send money to bank accounts or cash payments in convenience stores.

With Felix Pago, you can send money internationally from the United States to various destinations across Latin America.

What are Felix Pago's fees and exchange rates?

Transparency is a cornerstone of the Felix Pago experience, and it is no different when it comes to their exchange rates and fees.

The company offers a straightforward and easy-to-understand fee structure, typically a single flat fee per transaction of USD 2.99 if the selected destination is a bank account and USD 4.99 if it's a cash payment.

This means customers always know the exact cost before they send, with no hidden charges or surprise deductions.

In addition, exchange rates are competitive and are clearly displayed in the WhatsApp chat before the user confirms the transaction.

Are Felix Pago exchange rates good?

Felix Pago strives to provide fair and highly competitive exchange rates to ensure that more money makes it into the hands of the recipient. The full breakdown of the rate and fee is always presented upfront for complete transparency.

That said, we always suggest to our readers to always shop around and see what other remittance service providers are offering. More information will help you best choose a partner to send money with. When you compare money transfer providers, the chances of your getting the most benefit on your international money transfers increase significantly.

Whilst you can compare remittance companies manually, a quick and convenient way to do so is to rely on RemitFinder's online money transfer comparison engine. RemitFinder compares umpteen providers side-by-side to give you accurate and updated information about exchange rates and deals.

Is Felix Pago a cheap way to send money overseas?

Felix Pago can be a good balance when it comes to the combination of exchange rates and fees.

For many users, Felix Pago is a very cost-effective way to send money. Its transparent, flat-fee model often proves more affordable than traditional services that rely on percentage-based fees or complex pricing tiers, especially for common transaction amounts.

How do I avoid Felix Pago fees?

While the standard service includes a low fee, customers can earn fee-free transfers by participating in Felix Pago's generous referral program.

How much money can I send with Felix Pago?

To ensure security and comply with financial regulations, Felix Pago has sending limits. These limits are designed to accommodate the most common remittance needs and are clearly communicated to the user during the transaction process within WhatsApp.

Felix Pago supports two types of customer profiles, depending on the level of information you have provided to them. These levels are as below:

• Basic Level: When you register and complete your profile with essential information, your account is at the Basic Level with lower sending limits.
• Advanced Level: If you verify your identity, your account will elevate to an Advanced Level, and you automatically gain access to higher limits and greater security for your transfers.

Here are Felix Pago's sending limits for both Basic and Advanced account levels.

Verifying your identity is a simple way to protect your profile, prevent fraud, and ensure your transfers safely reach those who need them most.

Felix Pago money transfer sending limits depend on your account level with them. Basic Level accounts have lower sending limits whilst Advanced Level accounts have higher limits. Simply verify your identity to elevate your account to the Advanced Level to enjoy higher limits.

How long does it take for Felix Pago to send money overseas?

Speed is a key advantage of Felix Pago.

In most cases, transfers are processed instantly. Once the sender completes the payment, the funds are typically available for the recipient in one minute via bank deposit and 30 minutes for cash pickup.

Felix Pago is a fast way to send money internationally. Bank deposits finish within one minute whilst cash pickups are available within 30 minutes. These transfer speeds make Felix Pago a great way to send money overseas quickly for urgent needs.

How can I pay for my Felix Pago money transfer?

To be able to complete an international money transfer, you first need to send your funds in local currency to the money transfer company you choose. The mechanism to pay for your remittance transaction is called a payment method.

Felix Pago offers secure and convenient payment options.

Users can fund their transfers using debit from their bank account or with a card, with the entire process managed securely within the encrypted WhatsApp environment.

Which payment method should I use to pay for my Felix Pago money transfer?

We generally recommend paying for your money transfer with your bank account as often times cards, especially credit cards, can come with their own fees.

How can my recipient get paid with Felix Pago?

The method you choose to credit your overseas receiver is generally called a delivery method. Felix Pago supports the following delivery methods:

• Bank account deposit
• Cash pickup

Depending on the destination country and the sender's choice, funds can be deposited directly into the recipient's bank account or made available for cash pickup within 30 minutes at a vast network of 49,000 trusted partner locations, including major banks and retail stores.

With Felix Pago, you can choose to pay your recipient directly into their bank account or via cash pickup at more than 49,000 partner locations that include major banks and popular retail stores and merchants.

Which delivery method should I use for my Felix Pago money transfer?

This depends on your preferences as well as your recipient's needs.

For example, if the recipient does not have a local bank account in their country (or is uncomfortable sharing their bank details with you), you can choose cash pickup as a convenient option.

Are there any Felix Pago coupon codes or promotions I can use?

Felix Pago believes in rewarding its community so they have automatic promotions for new users.

Once you sign up, you can also access promotions through the "Felix Amigos" referral program, where you can give friends a discount on their first transfer and earn rewards for yourself in return.

If Felix Pago runs any offers or promotions in the future, we will add them on this page. Check this Felix Pago review periodically to ensure that you do not miss out on any future deals.

Whilst you can check for Felix Pago deals and discounts manually, doing so is time consuming. A better way is to sign up for the RemitFinder daily exchange rate alert. Our daily alert is totally free of cost; we will keep you posted on exchange rates and latest offers from many money transfer companies.

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How can I find Felix Pago near me?

Felix Pago is a fully online money transfer provider, so there are no physical locations or branch offices to go to. Simply use their website or chat with them on WhatsApp to send money internationally with them.

What is the best way to find a Felix Pago Sending Location near me?

You do not need to go to physical offices or branches to send money overseas with Felix Pago. Access Felix Pago easily via the website or WhatsApp chat to send money overseas quickly and conveniently from your home or office.

What is the best way to find an Felix Pago Payment Location overseas?

If you choose to pay your overseas recipient using Cash Pickup, Felix Pago will help you choose from over 49,000 cash pickup locations that your recipient can go to for collecting the funds. Make sure that the recipient name you enter in the transfer process matches the ID that they will take with them to access the funds at the pickup location.

Is Felix Pago a safe way to send money abroad?

Felix Pago has many measures in place to ensure the safety and security of their customers' funds and personal information.

The company is a fully regulated and licensed Money Services Business (MSB) that adheres to the highest standards of security and compliance. All transactions are protected with bank-level security and encryption.

Additionally, Felix Pago's integration with trusted payment processors and payout partners further ensures that user funds are secure at every step.

With over a million users, a commitment to pricing transparency, and robust security protocols, Felix Pago strives to build a strong reputation as a trustworthy financial partner.

Can I trust Felix Pago?

A major aspect of trusting a financial institution entails inspecting their legal and regulatory status in the countries of their operation.

When it comes to Felix Pago, we notice Felix Technologies is an authorized agent of UniTeller, Intermex and other licensed money transmitters for part of their services. Felix Technologies Inc. is a money transmitter licensed in certain U.S. states (NML ID #2302775).

You can find additional legal and regulatory information on the Legal and Privacy page on the Felix Pago website.

Felix Pago strives to keep your money and confidential information safe by adopting various safety protocols and by implementing security best practices. Additionally, they are a regulated and authorized money transfer company licensed in many US states.

How good is Felix Pago's service?

Felix Pago's service is defined by its hallmarks of unparalleled convenience and customer-centric design. The decision to operate exclusively on WhatsApp removes one of the points of friction in the remittance process - the need to download and learn a new app.

The strong and consistent growth to over 300,000 monthly active users is a powerful indicator of high customer satisfaction and a product that meets the needs of its community.

That said, one of the most reliable ways to check if a service is good or not is to see what other customers have to say about it. We will do the same to see if Felix Pago's customers are happy with their service or not.

What do users have to say about Felix Pago?

In this section, we look into Felix Pago's ratings and reviews^ on popular review platforms and major mobile app stores to see what users think about their service.

• On Trustpilot, Felix Pago is rated 4.2/5.0 with 348 reviews
• Felix Pago does not have an Android app, so there is no rating and review information about it on the Google Play Store.
• Felix Pago does not have an iOS app, so there is no rating and review information about it on the Apple App Store.

^Ratings on various platforms as on July 28, 2025

Felix Pago is rated very well on Trustpilot and customers seem to like their service. Note that since Felix Pago does not have mobile apps, there are no ratings on popular mobile app stores.

Have you used Felix Pago yet? If so, please consider leaving a review on RemitFinder so other users can benefit from your expertise and experience.

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Is Felix Pago the best choice for me?

Given our detailed analysis of Felix Pago international money transfer service and related aspects, it is clear that Felix Pago has many strengths. Here are some areas where we find Felix Pago standing tall in the international remittance use case:

• Innovative chat based product: Felix Pago's international money transfer service works over WhatsApp in a chat-like, conversational style. This takes any friction inherent in traditional methods to very low levels as everyone can use chat easily. This further leads to more financial inclusion by enabling more and more people to use a remittance service easily to send money home back to their loved ones.
• Focus on Latin America: Currently, Felix Pago supports international money transfers to 6 popular Latin American countries that include Mexico, Guatemala, Honduras, El Salvador, Dominican Republic and Colombia. This allows them to focus really well on a select group of countries and residents in a bid to provide the best possible service.
• Transparent, competitive FX rates and fees: Felix Pago tends to offer competitive exchange rates which helps to take your money further. They also have standard, transparent fee structure so you always you what you are paying at all times.
• 2 levels of account types: Felix Pago starts you with a Basic Level account which comes with lower transfer limits. If you verify your identity by providing additional documentation, you can elevate your account to Advanced Level and take advantage of higher limits. This gives you the power to control how much information you give to a company, in return for tier-based services and benefits.
• Lightning fast money transfers: Felix Pago international money transfers finish very quickly - bank deposits within 1 minute and cash pickups become available within 30 minutes. This makes Felix Pago a great choice for urgent money sending needs.
• Flexible payment and delivery options: Felix Pago provides you with many payment and delivery options to choose from. This way, you can meet your and your recipient's needs in the best possible manner by choosing the most appropriate methods for your money transfer.
• Focus on safety and security: Felix Pago is a fully regulated money transfer company, and puts focus on the safety and security of your funds as well as private information.

RemitFinder likes Felix Pago for providing an innovative WhatsApp based conversational money transfer process, focusing on Latin American markets and consumers, providing competitive exchanges rates and low transfers fees with full transparency at all times, processing money transfers really quickly and providing flexible payment and delivery options.

What are the best reasons to use Felix Pago?

Felix Pago's key advantages make it a very good choice for quite a few international money transfer use cases. Based on the in-depth analysis that we have conducted on Felix Pago's remittance service in prior sections of this review, we notice that it can be a great fit for many international money transfer scenarios.

Here are some examples where Felix Pago can prove to be a reliable ally for your next overseas funds transfer.

• If you wish to take advantage of conversation-style international money transfers using WhatsApp, Felix Pago can prove to be a great partner since their remittances are sent via WhatsApp. Relying on the WhatsApp platform obviates the need to download any mobile apps.
• If your recipient resides in Latin America, you could consider Felix Pago for sending money to them since the company focuses heavily on Latin American countries and their residents. Felix Pago pays special need to the requirements and preferences of the Latino community and you can benefit from that if you send money to Latin American countries.
• Sometimes we need to send money abroad urgently for emergencies or related situations. If you find yourself in such a tight spot, Felix Pago can be a great choice since they move money overseas rapidly. Bank deposits sent with Felix Pago finish within a minute, and cash pickups are available within 30 minutes - this makes Felix Pago an extremely quick way to send funds abroad.
• For flexibility in the choice of payment and delivery methods, you can consider Felix Pago - their range of flexible payment and delivery options can help meet your and your recipient's needs and preferences.
• To disclose minimal information to a company is something we all prefer. If this is something you seek in a company you transact with, you can rely on Felix Pago since they have a Basic Level for their account which necessitates disclosure of minimal information. Just be aware that the Basic Level Felix Pago account comes with lower sending limits.
• To make the most of your money transfers to Latin America, you sure seek competitive exchange rates and low transfer fees. Felix Pago can meet those requirements. Plus, they are completely transparent about their rates and fees, so you always know what you will get.

Felix Pago's strengths and advantages make it a very good choice for many money transfer scenarios for remitting money from the United States to various countries in Latin America.

What type of transfers can I make with Felix Pago?

Felix Pago lets you make international money transfers to Latin American countries in the following ways:

• Bank deposits
• Cash pickups

What are various ways to send money with Felix Pago?

You can place your Felix Pago international money transfer orders via WhatsApp. This makes sending money quick and easy, and without having to rely on custom mobile apps and other experiences.

How to send and receive money with Felix Pago?

It is quick and easy to send money internationally with Felix Pago. In fact, the whole flow from start to finish can be completed on any of Felix Pago's channels to send money with in just a few minutes. Check out the section below for the exact steps needed to do an overseas money transfer with Felix Pago.

Step by step guide to send money with Felix Pago

With Felix Pago, sending money overseas takes only a few clicks. Here are the steps you need to undertake to finish an end-to-end money transfer with Felix Pago:

• Step 1: Decide if you want to send your next money transfer with Felix Pago. With the recent explosion of money transfer operators, it may seem daunting to even choose who to go with. One helpful way to reach a decision is to compare various money transfer companies using RemitFinder's real-time money transfer comparison platform. RemitFinder does all the heavy lifting to assist you to easily compare the relative strengths and weaknesses of many remittance companies side by side. This can really help you to narrow down the choices that meet your selection criteria and therefore, help you to select who to go with.





• Step 2: Chat with Felix Pago on WhatsApp to send money. Once you have decided that you want to go with Felix Pago for your next international money transfer to Latin America, simply chat with them on WhatsApp and follow simple directions to send money abroad. The WhatsApp chat will have simple instructions to help you complete your transaction quickly and easily.

It is quick and easy to send money internationally with Felix Pago. The whole process takes just a few minutes, and WhatsApp conversation makes it fun and easy to complete the transaction quickly.

How can Felix Pago help me send money?

Felix Pago has a streamlined and easy to use customer experience whereby you can use WhatsApp to send money overseas with them.

Since everyone can send a WhatsApp message, and the platform is widely used and adopted, this approach takes away any possible friction from the international money transfer process by removing the need for custom mobile apps.

Do I need a Felix Pago account to receive money?

No, you do not need a Felix Pago account to receive money sent to you via a Felix Pago international money transfer.

This is because Felix Pago international remittance recipients get paid via bank deposit or cash pickup. Hence, they do not need a Felix Pago account to access the funds.

Does Felix Pago have a mobile app?

No, and that is by design!

Felix Pago's "no-app" model is its biggest feature. By leveraging the power and familiarity of WhatsApp, the company makes its service instantly accessible to millions of users without requiring them to use precious data or storage space on their phones.

How do I track my Felix Pago transfer?

You can track your mobile transfers from within the WhatsApp chat you do to send money with Felix Pago. You will also get notified as the transaction progresses on to the next steps.

Can I use Felix Pago for international bank transfers?

Yes, you can execute an international bank transfer with Felix Pago. To do this, simply fund your transfer via your bank account and choose bank deposit to pay your recipient.

In this way, you would essentially realize an international bank transfer, albeit with Felix Pago's better exchange rates and lower fees as compared to traditional bank wire transfers that come with hefty fees and provide poor exchange rates.

Is Felix Pago online better than sending money in-person in stores?

Felix Pago is fully online and there are no in-person locations to go to for sending money with them. In that way, Felix Pago is much better than in-store ways to send money abroad since you do not need to go anywhere or stand in lines, etc.

Does Felix Pago have a rewards program?

Yes, Felix Pago has a rewarding referral program called "Felix Amigos".

The program is built on a simple "give, get" philosophy. When a user refers a friend, the friend receives a special welcome offer (like a fee-free first transfer), and once that friend completes their first transaction, the original user receives a reward (such as a credit for a fee-free transfer) automatically applied to their account.

What customer support options are available with Felix Pago?

In case you need any help with your Felix Pago money transfer, or have any other general questions, you can contact the Felix Pago customer support team.

Felix Pago offers best-in-class, 24/7 customer support. Help from a live agent is available directly within the WhatsApp chat, allowing users to get answers to their questions and resolve issues in the very same interface they use to send money.

Felix Pago's customer support team is available 24x7 from within the WhatsApp chat that you use to send international money transfers with them.

Can I cancel my Felix Pago transfer?

Yes, in most cases, a transfer can be canceled if the funds have not yet been paid out to the recipient. To do so, users should contact the customer support team via WhatsApp as quickly as possible for immediate assistance.

How do I delete my Felix Pago account?

If you wish to delete your Felix Pago account, reach out to their Customer Support team and someone will assist you. Remember to keep a backup of your transaction history for future reference purposes.

Additional Information

Legal and Regulatory Compliance

Felix Pago is fully compliant with all applicable U.S. federal and state regulations for money transmission, including the Bank Secrecy Act (BSA), and is registered with FinCEN. The company maintains a rigorous compliance program to prevent fraud and protect consumer information.