Unplex is a cutting-edge payment transfer platform that works seamlessly through WhatsApp. It enables users to send money locally within the USA and internationally from the USA or Canada to India and the Philippines—without needing any additional apps.

You initiate a transfer by entering your WhatsApp number on the unplex.app. A WhatsApp chat opens, where you complete registration, verify your identity, and link your bank account via Plaid. Once set up, you can send money to your own account or someone else's in India or the Philippines. Transfers are processed using secure blockchain-backed payment infrastructure.

No, Unplex only supports transfers to NRO or savings accounts in India. NRE accounts are not supported due to our blockchain-backed payment infrastructure.

1. Visit unplex.app
2. Enter your WhatsApp number
3. Complete identity verification with a government-issued ID (US/Canada), bank statement, and selfie
4. Link your bank account via Plaid
5. Open the WhatsApp chat and go to: Menu Options → Send Global

Any one of the following US/Canada-issued documents is accepted:

• Passport
• Driver's License
• State ID
• Visa + Bank Statement

Sending money locally or internationally with Unplex is completely free. There are no hidden charges.

• USA local transfers: Instant (via Visa Direct)
• International transfers from USA/Canada to India and the Philippines:

  First-time users:

  • Up to $1,000 or CAD 1,500: Within 24 hours
  • Over $1,000 or CAD 1,500: 3 business days

  Repeat users:

  • Up to $2,999 or CAD 4,000: Within 24 hours
  • Over $2,999 or CAD 4,000: 3 business days

USA:

• Without SSN: $2,999 per transfer/day, $15,000 per week
• With SSN: $6,000 per transfer, $15,000/day, $50,000/week

Canada:

• CAD 5,000 per transfer
• CAD 10,000 per week (without SIN)
• CAD 15,000 per week (with SIN)

Yes, Unplex operates 24/7—including weekends and public holidays.

Yes, you can transfer money between your own accounts, both locally and internationally. Self-transfers to India require an NRO or India savings account. NRE accounts are not supported.

Once the recipient accepts the transfer and completes identity verification via WhatsApp, funds are deposited directly into their bank account.

Yes. Unplex is registered with FinCEN (USA) and FINTRAC (Canada), and partners with Visa and Cybrid. Funds are held securely in a bank until transferred. All transactions are encrypted and monitored for fraud.

No. For compliance reasons, identification is required for all transactions.

Only you and the recipient. Your transaction details are private and not publicly visible.

Contact Unplex support immediately. Your account will be investigated and secured.

You can cancel a transfer to someone else if they haven't accepted the money yet. Self-transfers cannot be canceled.

To cancel:

Menu Options → Transaction History → Select Transaction → Cancel

The amount will be refunded to your Unplex Wallet, from which you can resend or withdraw it to your bank.

Once a transfer is initiated, an ACH pull is triggered. Canceling stops the payout but does not stop the debit. The amount is credited to your Unplex Wallet instead of your bank.

To withdraw:

Menu Options → Wallet Balance → Withdraw

No. You cannot change the bank account for a transaction once it's sent. However, you can update your bank information for future transfers via:

Menu Options → Bank Accounts & Debit Cards

Go to: Menu Options → Bank Accounts & Debit Cards

Note: Only NRO accounts are supported for self-transfers to India.

Navigate to: Menu Options → Transaction History in your WhatsApp chat.

1. Start a transfer at unplex.app
2. Follow the prompts until the payment screen
3. Enter your coupon code and pay the difference.

First-time users receive a promotional exchange rate for transfers up to $500. No code is needed.

Note: You cannot combine this with any other promotion. If you use a coupon code, you will not receive the promotional rate and vice versa.

1. Go to: Menu Options → Refer & Earn → Copy Link
2. Share your referral link with friends.
3. When they complete their first transfer, both of you receive a $20 (or CAD 20) coupon code automatically applied to your next transfer.

Self-transfers involve fewer compliance checks and lower processing costs, allowing Unplex to offer better exchange rates than transfers to third-party accounts.

The transfer is still processing. You can check the status in your WhatsApp chat:

Menu Options → Transaction History

Unplex cannot reverse a payment once it's sent. Please contact the recipient directly to request a refund. If unresolved, contact Unplex support.

Contact Unplex support immediately. While recovery is not guaranteed, the team will do their best to assist you.

Do not respond or return the funds. Report the incident to Unplex support for further guidance.

Due to Bank Secrecy Act regulations, Unplex must retain your personal data for 5 years. However, we can deactivate your account upon request.