A Money Transmitter is a money services business that performs a number of services.   A Money Transmitter may sell or issue payment instruments (e.g., checks, drafts, money orders, traveler’s checks whether or not the instrument is negotiable).  A Money Transmitter could also be a money services business that engages in the business of receiving money for transmission or transmitting money by any and all means, including but not limited to payment instrument, wire, facsimile or electronic transfer.  Using a Money Transmitter, customers may send and receive money within the United States or to locations abroad.  A customer can send money by visiting any participating outlet, filling out a money transfer form and paying for the transaction.  The customer receiving the transaction does not usually have to pay a fee.  DIFI regulates Money Transmitters under A.R.S. Title 6, Chapter 12, Article 1 and 2. §§6-1201-6-1242.