Investor Relations
Learn more about our values, products, milestones and governance.
Our Values
Our mission
At Bless Payments, our mission is to level the playing field of global payments one transaction at a time. We empower migrants, travelers, explorers, and gig economy workers to send, spend and receive money seamlessly, strengthening bonds between families and communities across borders while enabling financial freedom wherever life takes them.
Our vision
We envision a world in which money can bless every corner instantly and effortlessly. Whether it’s sending funds home, spending abroad, we strive to create a future where financial connection is borderless, inclusive, and empowering, helping communities flourish across both developed and developing nations.
Compassion
We believe in money transfers' power to uplift families and communities.
Transparency
We operate with honesty and ethics across every product and service.
Fairness
We aim to level the financial playing field globally with fast, affordable, and accessible solutions for all.
Our Products
Send money
Instant, low fee money transfers to 70 countries
Instant or same day delivery
No FX markups
Spend money
The travel card made for migrants and explorers
No transaction fees
Bank beating rates
Our Story
Affy meets Mo and an idea is born.
Company setup
Solution architecture designed
Name and brand developed
App designed
AUSTRAC and AFSL licenses received
App 1.0 released
Launched in Australia
Comparison tool released
Wallet released
Referral program released
Debit card, Apple Pay and Google Pay added
>4,000 app downloads
Canadian licenses received
Travel card launched
>8,000 app downloads
Launch in Canada
Launch multi-currency wallet
Get UK licenses
Our Story
Affy meets Mo and an idea is born.
Governance
Our Board of Directors have strong experience in governance, launching startups, dealing with complexity, with deep experience in technology, managing risk and working in the community.
Peter Khoury is our Board Chair and and has over 30 years of experience in financial services, governance, and scaling businesses across multiple jurisdictions. He was previously the Managing Partner at BDO South Australia.
Affy Bhatti is a Co-Founder and CEO of Bless Payments, leading our plans to scale and expand.
Affy also has a long track record with startups. He co-founded a family engineering business and has advised many startups. He also worked in consulting for over 20 years, helping large corporations and governments to deliver some of Australia’s largest and most complex projects.
Mo has over 20 years of experience in the software industry delivering digital products and has experience of delivering core banking solutions across the Middle East, Asia and Australia.
Omair Chodhry is a Co-Founder and early investor in Bless Payments.
As a serial entrepreneur, Omair is the CEO of Xanadu Group, a collection of innovative organisations providing services that include disability and youth care, nationally accredited training, security and events and business process outsourcing, employing hundreds of people. One of Omair’s organisations was awarded Enterprise of the Year in the 28th Belmont & WA Small Business Awards in 2021. Omair also has a long history of volunteering in the Western Australian community, organising multicultural festivals attracting up to 15,000 attendees, featuring food, rides, games, art and performances highlighting the diversity in the region.
Backed by experience with leading companies
See who backs us
AFO
Family office of Professor Charlie Shahin AO, one of Australia’s most respected businessmen, private investors and philanthropists.
Forte
Global financial group offering brokerage, custody and asset management services in developed and emerging markets
Don’t take our word for it
What people are saying
4.8
It was a quick process with an excellent rate. First time to be able to transfer money directly to a mobile wallet via PayID, very convenient and clever idea.
Wahid Shalaly
Australia
Superb, friendly and one of the most patient customer service I’ve come across! They really walk you through the way if unfamiliar with the ins and outs of Bless. There were a numerous times where i wasn’t sure or had entered incorrect info and they were generous enough to afford their time to ring me. And I absolutely love the app very user friendly too, thanks bless!
Natasha Aburman
Australia
Very fast transfers done within few hours. Customer service is great and team are very supportive. This is the first experience with money transfer apps, but I like it.
Ahmed Naguib
Australia
I made my first transfer with Bless today and the rate and fees were so great. Also, I received a call from the customer service asking me few questions to make sure the transfer process will be accurate and never delayed. Highly recommended this app for any money transfer and thanks for the outstanding customer service they provide.
Ayman Samy
Australia
Bless is truly amazing! With low fees and lightning-speed transactions, I've had the pleasure of using it three times, one of them was completed in just two or three hours :flushed_face: ! Tracking funds, low charges, easy to use, and peace of mind all in one app.
Ahmed Shoghrab
Australia
The best app I used for sending money overseas, the best rate I have seen, amazing customer service
Dina
Australia
They do what they said, they are professional, honest, secure and you can send your blessings without being afraid of delay or anything else. Thank you bless payment
ASsSEeER
Australia
My question was resolved immediately and in one go. Customer services were of high standard.
Mohammad JEHANGIR
Australia
Great service, transfer completed within a few seconds and it was so smooth . I had some questions around the functionality and customer care was super friendly and responsive.
Harsh Tiwari
Australia
Reliable trustworthy service
Noha Badawy
Australia
Quickest money transfer apps I have ever used. I have sent money twice to my family in Vietnam and both times they received money almost instantly ( within 30s). Good exchange rate, quick transfer and easy to use. Definitely recommended for family and friends.
Châu Trần
Australia
Quick easy and reliable solution for money transfer. Customers service is great too.
Douaa Alameh
Australia
Transparent fees and fast transfers, highly recommended!
S Salem
Australia
The money transfer app that's revolutionising the way you send and receive money! TRANSPARENCY is at the core of their operations, you always know where your money is going. LOW FEEs!! need I say more, making every transaction cost-effective and hassle-free. Remarkable turnaround times ensure that your money reaches its destination swiftly, giving you peace of mind with every transfer. Say goodbye to complex processes!! Bless Payments' simple, easy-to-use interface comes with less than 10 steps from start to finish ( I COUNTED)!
Tonderai Hakuna
Australia
Excellent app and service, definitely exceeded my expectations and now I just use Bless for all my transfers overseas. Great work guys
W A
Australia
Bless payments are the most affordable app to transfer money , you can trust, perfect rate , really recommend I already sent 3 times with them I found my money in my account just in 15 minutes wooow :pray: :thumbs_up:
Fady Ghabrial
Australia
The money transfer is quick and efficient. Excellent customer service from the team. The message after the payment has been received hits home, Bless payments is trully a "blessing" to our loved ones. Great exchange rates too! More power to Bless payments!
Audrey S
Australia
I’ve used a few services but Bless is my favourite due to 3 things - Ease of use, Lower cost / fees and the best of all - Speed! Bless You Bless! :)
H Thakrar
Australia
I recently started using Bless Payment service, and I must say, it has exceeded all my expectations. The interface is user-friendly, making it easy to navigate through various features and functionalities without any hassle. One of the standout features is the speed and reliability of transactions which ensured receiving funds are quick and efficient.
Khalid NIYONITA
Australia
Quick and easy process Thank you so much
Mina Kelada
Australia
Best Money transfer app to choose, professional, safe and very quick.
Mustafa deeb
Australia
It was very easy to set up and use, and it took less than 4 minutes for our family to receive the funds.
Anju SIVARAJAH
Australia
I’ve used several different apps but Bless payments is the safest because funds get deposited directly into the account of the recipient. also the feedback I gave was acknowledged and actioned immediately.
Hany
Australia
Fast and great rates. Highly recommend to anyone who wants to send money from Australia overseas.
Sam Ford
Australia
Very fast transfer Pakistan and Vietnam use to sent money support team very active
osman khan
Australia
I recently used Bless Payments for transferring money back to my family, and I must say, it's an outstanding service. The app's interface is incredibly user-friendly, making the entire process a breeze. What truly stood out to me was the lightning-fast transfer speed—I sent money, and it arrived within minutes. One of the best features of Bless Payments is its fantastic exchange rates. I was pleasantly surprised by how competitive the rates were compared to other services I've used in the past. I got a great exchange rate, and the entire transaction was hassle-free. The reliability of this app is commendable. I felt confident throughout the process, knowing my money was safe. I highly recommend Bless Payments to anyone seeking a trustworthy and efficient money transfer app. It's a game-changer for those seeking convenience, speed, and excellent exchange rates. I'll be using it for all my future transactions.
Ahmed Hamdy
Australia
Rates are competitive. Most importantly the service. It’s amazing. I made a transaction and family received the money within 5 mins. Well done Team Bless payment !!!
Junaid M. Chishtie
Australia
It was a quick process with an excellent rate. First time to be able to transfer money directly to a mobile wallet via PayID, very convenient and clever idea.
Fahmy Mohammed
Australia
Excellent application which is allowing you to transfer fund to different countries. I tried it to transfer money to Egypt and it went very fast. It was only few hours and the funds was reflected on the bank account. Also they have efficient customer service. They are caring about their customers and giving immediate responds. Keep it up. Thanks
Mohamed Hassan
Australia
Easy to use ,recipient immediately received the funds and provided comparative exchange rates and payment time of key competitors so one can make an informed choice .
Haroon Cajee
Australia
Easy to use Instant fast transfer to the Philipinnes Via Gcash Great customer service Rates are comparable or better than other providers.
Sam
Australia
I have used a few finance services like WU, Sydney Forex, Money Travel to send money to my loved ones back home.The experience with Bless payment is very good due it’s competitive exchange rate and speedy service. Highly recommend to use their services for remittance.
Ahsan Muhammad
Australia
As fast as lightning Great effort and great job
Amir Esmat
Australia
Very good and easy to send money to people overseas , they respond quickly to any inquiries through the WhatsApp number. It took only couple of days to the recveiver to receive the money.
Tareq Omar
Australia
The only time I had to send money to South Africa and it worked like a charm.
Nadeem Ebrahimi
Australia
Hassle free transfer of funds and the UI/UX are great! I have used this app a few times now and would highly recommend!
Mazin Khan
Australia
This Bless Payment app has been a game changer for me. I often have to send money overseas to Indonesia to my family. Previously I was using the Netbank app and I definitely was not getting a good deal, and it would take up to 5 days (or more) to go through. Now, it takes about half a minute (or less!). And the exchange rates are crazy good! This app has literally solved one of the biggest headaches for me, so I am very grateful that Bless Payments exist. I’ve had enough horrible experiences being ripped off by the big banks. So thanks to the app developers for making it such a simple experience. Just a quick note. Using the pay ID email took me a few times to get used to this method, but actually it is not hard at all! I highly recommend this app to everyone because it is reliable and fast! Love love love it.
Nancy Novakovich
Australia
Needed to send money to family in Pakistan. Signed up with Drivers License, ID and got approval in 30 seconds. Got rate which was way cheaper than banks and other apps. Sent money via my bank using payid. My father had funds within seconds. It was an amazing and smooth experience. Highly recommend!
Amad Piracha
Australia
Always had great service with my money transfers using bless, their exchange rates are best i have come across various platforms. The text messages and emails through out the transfer help track the payment
Faraz Khan
Australia
Easy and quick
Mahmoud ABOUZEID
Australia
Customer service is very cooperative and quick responsive. I received the money in Egypt on the same day. I do recommend their services.
Mahmoud Morsy
Australia
Very quick service, great customer care, and low fees ! What would you need more ? My friend received the transfer in literally 10minutes in his mobile wallet ! Highly recommended!
Mohamed Sherif
Australia
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