Financial Services

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data-reference="parent">Activities</a> <div class="dropdown-menu"> <div class="container"> <div class="row"> <div class="col-md"> <div class="menu-item"> <div class="menu-item-wrapper"> <i class="upu-icon upu-icon-Link"></i> <a class="dropdown-item" href="/en/universal-postal-union/activities/physical-services">Physical Services</a> </div> <ul class="third-level-menu"> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/physical-services/addressing">Addressing</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/physical-services/postal-products">Postal Products</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/physical-services/remuneration">Remuneration</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/physical-services/postal-supply-chain">Postal Supply 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href="/en/universal-postal-union/activities/financial-services">Financial Services</a> </div> <ul class="third-level-menu"> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/financial-services/postransfer">PosTransfer</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/financial-services/postal-payment-services-user-group">Postal Payment Services User Group</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/financial-services/payments-dialogue-webinars">Payments dialogue webinars</a></li> <li class="third-level-menu-item"><a class="dropdown-item" href="/en/universal-postal-union/activities/financial-services/postal-payment-services-key-documents">Postal payment services key documents</a></li> <li class="third-level-menu-item"><a class="dropdown-item" 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href="/en/members-centre/upu-tv">UPU TV</a> </li> </ul> </div> <div class="nav-middle"> <h4> <a href="/en/postal-solutions"> <i class="upu-icon upu-icon-Link nav-middle-arrow"></i><span>Postal Solutions</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/technical-solutions">Technical Solutions</a> <div class="go-to-submenu" data-parent-id="mobileNavFirstLevel" data-sub-menu-id="32136463"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services">Programmes & Services</a> <div class="go-to-submenu" data-parent-id="mobileNavFirstLevel" data-sub-menu-id="24557339"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/capacity-building">Capacity Building</a> <div class="go-to-submenu" data-parent-id="mobileNavFirstLevel" data-sub-menu-id="64372229"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/covid19">COVID-19</a> <div class="go-to-submenu" data-parent-id="mobileNavFirstLevel" data-sub-menu-id="59144256"> <i class="upu-icon upu-icon-Link"></i> </div> </li> </ul> </div> </div> <div id="11037677" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Press</span> </a> </h4> <ul> <li> <a href="/en/news-media/press/press-releases">Press Releases</a> </li> <li> <a href="/en/news-media/press/backgrounders-factsheets">Backgrounders & Factsheets</a> </li> <li> <a href="/en/news-media/press/speeches">Speeches</a> </li> <li> <a href="/en/news-media/press/media-contacts">Media Contacts</a> </li> </ul> </div> <div id="41063575" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">About UPU</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/acts">Acts</a> <div class="go-to-submenu" data-parent-id="41063575" data-sub-menu-id="880963"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/about-upu/strategy">Strategy</a> <div class="go-to-submenu" data-parent-id="41063575" data-sub-menu-id="21868416"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/about-upu/member-countries">Member Countries</a> </li> <li> <a href="/en/universal-postal-union/about-upu/bodies">Bodies</a> <div class="go-to-submenu" data-parent-id="41063575" data-sub-menu-id="61226405"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/about-upu/director-general">Director General</a> </li> <li> <a href="/en/universal-postal-union/about-upu/deputy-director-general">Deputy Director General</a> </li> <li> <a href="/en/universal-postal-union/about-upu/cooperatives-boards">Cooperatives & Boards</a> </li> <li> <a href="/en/universal-postal-union/about-upu/restricted-unions">Restricted Unions</a> </li> <li> <a href="/en/universal-postal-union/about-upu/finance">Finance</a> </li> <li> <a href="/en/universal-postal-union/about-upu/audits">Audits</a> <div class="go-to-submenu" data-parent-id="41063575" data-sub-menu-id="9851506"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/about-upu/history">History</a> <div class="go-to-submenu" data-parent-id="41063575" data-sub-menu-id="55478107"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/about-upu/termpost">TERMPOST</a> </li> </ul> </div> <div id="53780382" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Activities</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/physical-services">Physical Services</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="33253181"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/digital-services">Digital Services</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="3128163"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/financial-services">Financial Services</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="47509014"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/sustainable-development">Sustainable Development</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="33681161"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/technical-cooperation">Technical Cooperation</a> </li> <li> <a href="/en/universal-postal-union/activities/trade-facilitation">Trade Facilitation</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="46354116"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/research-publications">Research & Publications</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="51254125"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/philately-ircs">Philately & IRCs</a> <div class="go-to-submenu" data-parent-id="53780382" data-sub-menu-id="9284123"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/activities/standardization">Standardization</a> </li> </ul> </div> <div id="63109468" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Outreach & Campaigns</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/outreach-campaigns/150-years-of-the-upu">UPU@150</a> </li> <li> <a href="/en/universal-postal-union/outreach-campaigns/illicit-goods">Illicit Goods</a> </li> <li> <a href="/en/universal-postal-union/outreach-campaigns/sdgs-in-focus">SDGs in focus</a> </li> <li> <a href="/en/universal-postal-union/outreach-campaigns/dangerous-goods">Dangerous Goods</a> </li> <li> <a href="/en/universal-postal-union/outreach-campaigns/international-letterwriting-competition-for-young-people">International Letter-Writing Competition for Young People</a> <div class="go-to-submenu" data-parent-id="63109468" data-sub-menu-id="65281276"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/universal-postal-union/outreach-campaigns/world-post-day">World Post Day</a> </li> </ul> </div> <div id="65823085" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Who we work with</span> </a> </h4> <ul> <li> <a href="/en/partner-with-us/who-we-work-with/academia">Academia</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/governments-and-designated-operators">Governments and designated operators</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations">UN and international organizations</a> <div class="go-to-submenu" data-parent-id="65823085" data-sub-menu-id="16740227"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/partner-with-us/who-we-work-with/ngos-and-foundations">NGOs and foundations</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/private-sector">Private sector</a> </li> </ul> </div> <div id="4354064" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Where we need your support</span> </a> </h4> <ul> <li> <a href="/en/partner-with-us/where-we-need-your-support/post4health">Post4Health</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/financial-inclusion">Financial inclusion</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/access-to-government-services">Access to government services</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/ecommerce-for-socioeconomic-development">E-commerce for socio-economic development</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/trade-facilitation">Trade facilitation</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/digital-transformation">Digital transformation</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/greening-postal-services">Greening postal services</a> </li> <li> <a href="/en/partner-with-us/where-we-need-your-support/disaster-risk-management">Disaster risk management</a> </li> </ul> </div> <div id="37107360" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Useful Documents</span> </a> </h4> <ul> <li> <a href="/en/members-centre/useful-documents/council-of-administration">Council of Administration</a> </li> <li> <a href="/en/members-centre/useful-documents/postal-operations-council">Postal Operations Council</a> </li> </ul> </div> <div id="56855890" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Policies & Regulation</span> </a> </h4> <ul> <li> <a href="/en/members-centre/policies-regulation/data-collection-and-protection-policies">Data collection and protection policies</a> </li> <li> <a href="/en/members-centre/policies-regulation/extraterritorial-offices-of-exchange-etoes">Extra-Territorial Offices of Exchange (ETOEs)</a> </li> <li> <a href="/en/members-centre/policies-regulation/status-of-postal-entities">Status of Postal Entities</a> </li> <li> <a href="/en/members-centre/policies-regulation/universal-postal-service">Universal Postal Service</a> </li> </ul> </div> <div id="38191502" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Questionnaires & Surveys</span> </a> </h4> <ul> <li> <a href="/en/members-centre/questionnaires-surveys/study-to-determine-mail-flows-exchanged-between-the-designated-operators-of-union-member-countries">Study to determine mail flows exchanged between the designated operators of Union member countries</a> </li> <li> <a href="/en/members-centre/questionnaires-surveys/provisional-qualitylinked-terminal-dues-rates-in-2024">Provisional quality-linked terminal dues rates in 2024 </a> </li> <li> <a href="/en/members-centre/questionnaires-surveys/electronic-postal-services-questionnaire">Electronic postal services questionnaire</a> </li> <li> <a href="/en/members-centre/questionnaires-surveys/postal-statistics-questionnaire">Postal statistics questionnaire</a> </li> <li> <a href="/en/members-centre/questionnaires-surveys/questionnaire-on-disaster-risk-management-in-the-postal-sector">Questionnaire on disaster risk management in the postal sector</a> </li> <li> <a href="/en/members-centre/questionnaires-surveys/stakeholder-consultation-on-opening-up-the-upu-to-wider-postal-sector-players">Stakeholder consultation on opening up the UPU to wider postal sector players</a> </li> </ul> </div> <div id="32136463" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Technical Solutions</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/technical-solutions/postal-technology-centre">Postal Technology Centre</a> </li> <li> <a href="/en/postal-solutions/technical-solutions/products">Products</a> </li> </ul> </div> <div id="24557339" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Programmes & Services</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/programmes-services/addressing-solutions">Addressing Solutions</a> </li> <li> <a href="/en/postal-solutions/programmes-services/compendia">Compendia</a> </li> <li> <a href="/en/postal-solutions/programmes-services/direct-marketing">Direct Marketing</a> </li> <li> <a href="/en/postal-solutions/programmes-services/ecommerce">E-commerce</a> </li> <li> <a href="/en/postal-solutions/programmes-services/express-mail-service">Express Mail Service</a> </li> <li> <a href="/en/postal-solutions/programmes-services/physical-services">Physical Services</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="13041396"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services/postal-supply-chain">Postal Supply Chain</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="42112625"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services/ready-to-market-interoperability-group-rmig">Ready to Market Interoperability Group (RMIG)</a> </li> <li> <a href="/en/postal-solutions/programmes-services/remuneration">Remuneration</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service">Quality of service</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="25516771"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund">Quality of Service Fund</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="27057132"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services/settlement-systems">Settlement systems</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="48415784"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/programmes-services/standards">Standards</a> </li> <li> <a href="/en/postal-solutions/programmes-services/trade-facilitation">Trade facilitation</a> <div class="go-to-submenu" data-parent-id="24557339" data-sub-menu-id="58156040"> <i class="upu-icon upu-icon-Link"></i> </div> </li> </ul> </div> <div id="64372229" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Capacity Building</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/capacity-building/development-cooperation">Development Cooperation</a> <div class="go-to-submenu" data-parent-id="64372229" data-sub-menu-id="35288944"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/capacity-building/emergency-and-solidarity-fund">Emergency and Solidarity Fund</a> </li> <li> <a href="/en/postal-solutions/capacity-building/easy-export">Easy Export</a> </li> <li> <a href="/en/postal-solutions/capacity-building/financial-inclusion-technical-assistance-facility">Financial Inclusion Technical Assistance Facility</a> </li> <li> <a href="/en/postal-solutions/capacity-building/addressing-assistance-to-countries">Addressing Assistance to Countries</a> </li> </ul> </div> <div id="59144256" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="mobileNavFirstLevel"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">COVID-19</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/covid19/upu-action-on-network-disruptions-caused-by-covid19">UPU action on network disruptions caused by COVID-19</a> </li> <li> <a href="/en/postal-solutions/covid19/postal-social-financial-and-trade-services-during-covid19">Postal social financial and trade services during COVID-19</a> <div class="go-to-submenu" data-parent-id="59144256" data-sub-menu-id="7413613"> <i class="upu-icon upu-icon-Link"></i> </div> </li> <li> <a href="/en/postal-solutions/covid19/resources-for-member-countries">Resources for member countries</a> </li> </ul> </div> <div id="880963" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="41063575"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Acts</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/acts/archives-of-congresses">Archives of Congresses</a> </li> </ul> </div> <div id="21868416" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="41063575"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Strategy</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/strategy/rsf-2024">RSF 2024</a> </li> </ul> </div> <div id="61226405" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="41063575"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Bodies</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/bodies/congress">Congress</a> </li> <li> <a href="/en/universal-postal-union/about-upu/bodies/council-of-administration">Council of Administration</a> </li> <li> <a href="/en/universal-postal-union/about-upu/bodies/postal-operations-council">Postal Operations Council</a> </li> <li> <a href="/en/universal-postal-union/about-upu/bodies/consultative-committee">Consultative Committee</a> </li> <li> <a href="/en/universal-postal-union/about-upu/bodies/international-bureau">International Bureau</a> </li> </ul> </div> <div id="9851506" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="41063575"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Audits</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/audits/external-audits">External audits</a> </li> <li> <a href="/en/universal-postal-union/about-upu/audits/internal-audits">Internal audits</a> </li> <li> <a href="/en/universal-postal-union/about-upu/audits/joint-inspection-unit-of-the-united-nations-system">Joint Inspection Unit of the United Nations System</a> </li> <li> <a href="/en/universal-postal-union/about-upu/audits/united-nations-global-marketplace-ungm">United Nations Global Marketplace (UNGM)</a> </li> </ul> </div> <div id="55478107" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="41063575"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">History</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/about-upu/history/role-in-the-un">Role in the UN</a> </li> <li> <a href="/en/universal-postal-union/about-upu/history/languages">Languages</a> </li> </ul> </div> <div id="33253181" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Physical Services</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/physical-services/addressing">Addressing</a> </li> <li> <a href="/en/universal-postal-union/activities/physical-services/postal-products">Postal Products</a> </li> <li> <a href="/en/universal-postal-union/activities/physical-services/remuneration">Remuneration</a> </li> <li> <a href="/en/universal-postal-union/activities/physical-services/postal-supply-chain">Postal Supply Chain</a> </li> </ul> </div> <div id="3128163" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Digital Services</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/digital-services/connect-post">Connect.post</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/digital-readiness-for-ecommerce-dre">Digital readiness for e-commerce (DRE)</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/upu-innovation-challenge">UPU Innovation Challenge</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/taxonomy-of-digital-philatelic-products">Taxonomy of digital philatelic products</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/upu-cybersecurity-framework">UPU CYBERSECURITY FRAMEWORK</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/post-domain">.POST Domain</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/research">Research</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/etrade-for-all">eTrade for All</a> </li> <li> <a href="/en/universal-postal-union/activities/digital-services/wsis">WSIS</a> </li> </ul> </div> <div id="47509014" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Financial Services</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/financial-services/postransfer">PosTransfer</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/postal-payment-services-user-group">Postal Payment Services User Group</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/payments-dialogue-webinars">Payments dialogue webinars</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/postal-payment-services-key-documents">Postal payment services key documents</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/research">Research</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/technical-assistance">Technical assistance</a> </li> <li> <a href="/en/universal-postal-union/activities/financial-services/financial-inclusion-projects-sponsored-through-the-japan-fund">Financial inclusion projects sponsored through the Japan Fund</a> </li> </ul> </div> <div id="33681161" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Sustainable Development</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/sustainable-development/sustainable-development-goals-sdgs">Sustainable Development Goals (SDGs)</a> </li> <li> <a href="/en/universal-postal-union/activities/sustainable-development/disaster-risk-management">Disaster Risk Management</a> </li> <li> <a href="/en/universal-postal-union/activities/sustainable-development/the-postal-social-services-project">The Postal Social Services Project</a> </li> <li> <a href="/en/universal-postal-union/activities/sustainable-development/climate-action">Climate Action</a> </li> </ul> </div> <div id="46354116" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Trade Facilitation</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/trade-facilitation/tradepost-award-2024">TradePost Award 2024</a> </li> <li> <a href="/en/universal-postal-union/activities/trade-facilitation/tradepost-forum-2024">TradePost Forum 2024</a> </li> <li> <a href="/en/universal-postal-union/activities/trade-facilitation/trade-post-forum-2023">Trade Post Forum 2023</a> </li> <li> <a href="/en/universal-postal-union/activities/trade-facilitation/tradepost-webinar">TradePost webinar</a> </li> </ul> </div> <div id="51254125" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Research & Publications</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/research-publications/upu-think-tank-briefs">UPU Think Tank Briefs</a> </li> <li> <a href="/en/universal-postal-union/activities/research-publications/integrated-index-for-postal-development">Integrated Index for Postal Development</a> </li> <li> <a href="/en/universal-postal-union/activities/research-publications/postal-economics">Postal Economics</a> </li> <li> <a href="/en/universal-postal-union/activities/research-publications/postal-statistics">Postal Statistics</a> </li> <li> <a href="/en/universal-postal-union/activities/research-publications/all-publications">All publications</a> </li> </ul> </div> <div id="9284123" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="53780382"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Philately & IRCs</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/activities/philately-ircs/world-association-for-the-development-of-philately-wadp">World Association for the Development of Philately (WADP)</a> </li> <li> <a href="/en/universal-postal-union/activities/philately-ircs/international-reply-coupons-ircs">International Reply Coupons (IRCs)</a> </li> </ul> </div> <div id="65281276" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="63109468"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">International Letter-Writing Competition for Young People</span> </a> </h4> <ul> <li> <a href="/en/universal-postal-union/outreach-campaigns/international-letterwriting-competition-for-young-people/past-competitions">Past competitions</a> </li> </ul> </div> <div id="16740227" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="65823085"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">UN and international organizations</span> </a> </h4> <ul> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/wto">WTO</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/otif">OTIF</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/icao">ICAO</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/wco">WCO</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/unctad">UNCTAD</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/interpol">INTERPOL</a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/itu">ITU </a> </li> <li> <a href="/en/partner-with-us/who-we-work-with/un-and-international-organizations/itc">ITC</a> </li> </ul> </div> <div id="13041396" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="24557339"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Physical Services</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/programmes-services/physical-services/letter-post-forms">Letter Post Forms</a> </li> <li> <a href="/en/postal-solutions/programmes-services/physical-services/parcel-post-forms">Parcel Post Forms</a> </li> </ul> </div> <div id="42112625" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="24557339"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Postal Supply Chain</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/programmes-services/postal-supply-chain/security">Security</a> </li> <li> <a href="/en/postal-solutions/programmes-services/postal-supply-chain/transport">Transport</a> </li> <li> <a href="/en/postal-solutions/programmes-services/postal-supply-chain/customs">Customs</a> </li> <li> <a href="/en/postal-solutions/programmes-services/postal-supply-chain/postal-supply-chain-integration">Postal Supply Chain Integration</a> </li> </ul> </div> <div id="25516771" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="24557339"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Quality of service</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service/compliance-to-upu-standards">Compliance to UPU Standards</a> </li> </ul> </div> <div id="27057132" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="24557339"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Quality of Service Fund</span> </a> </h4> <ul> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/qsf-board">QSF Board</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/member-countries">Member Countries</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/international-bureau">International Bureau</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/rules-and-procedures">Rules and Procedures </a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/projects-and-finance">Projects and Finance</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/qsf-activities">QSF Activities </a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/board">Board</a> </li> <li> <a href="/en/postal-solutions/programmes-services/quality-of-service-fund/more-about-qsf">More about QSF</a> </li> </ul> </div> <div id="48415784" class="col-sm-12 nav-middle sub-menu-container" hidden> <h4 class="nav-return-to-parent" data-sub-menu-parent-id="24557339"> <a href="javascript:void(0)"> <i class="upu-icon upu-icon-arrow-left2 icon-return-back nav-middle-arrow"></i> <span class="nav-return-to-parent-text">Settlement systems</span> </a> </h4> <ul> <li> <a 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<input name="__RequestVerificationToken" type="hidden" value="PLhuIxiAHNY59LmIsXmt0BmviuM3z99VF5pNd9yGVUGNfQm12tk6t_592iekP2XJhr6sQu0ZkQI9aIOl92-hvPRdFqXr-XjfmaRPZ2Q3ErA_nPF7KvXHehXlhmGsGBEGlyAhGTU8HbhqE7pt7IiUAw2" /> <div class="input-group"> <input type="text" name="term" class="form-control search-input" title="Search term..." placeholder="Search term..." onfocus="displayNoneDesk()"/> <div class="input-group-append"> <button class="btn" type="reset"> <i class="upu-icon upu-icon-Search"></i> </button> </div> </div> </div> </form></div> </div> <div class="col-md-9 social-links"> <div class="collapse navbar-collapse" id="navbarNavDropdown"> </div> <div class="row hidden-sm-down"> <div class="container"> <div class="row first-level-menu"> <ul class="nav"> <li class="nav-item col text-center "> <a class="nav-link" href="/en/news-media">News & Media</a> </li> <li class="nav-item col text-center active"> <a class="nav-link" href="/en/universal-postal-union">UPU</a> </li> <li class="nav-item col text-center "> <a class="nav-link" href="/en/partner-with-us">Partner with us</a> </li> <li class="nav-item col text-center "> <a class="nav-link" href="/en/members-centre">Members' Centre</a> </li> <li class="nav-item col text-center "> <a class="nav-link" href="/en/postal-solutions">Postal Solutions</a> </li> </ul> </div> </div> </div> <button class="navbar-toggler" type="button" data-toggle="collapse" data-target="#navbarNavDropdown" aria-controls="navbarNavDropdown" aria-expanded="false" aria-label="Toggle navigation"> <span class="navbar-toggler-icon"></span> </button> </div> <div id="close-search" class="col-lg-1 col-sm-1 col-1 text-right"> <a href="#">Close</a> </div> </div> </div> </div> </nav> </header> <main id="main" class="landing-page-main"> <section class="single-content"> <div class="container"> <div class="row"> <div class="col-md-12"> <div class="widget-title widget-component"> <h1 class="page-title"> <p>Financial Services</p> </h1> </div> </div> </div> </div> </section>  <section class="page-content"> <div class="container"> <div class="row"> <div class="page-menu col-md-2 d-md-block d-sm-none d-xs-none"></div> <div class="col-md-8"> <div class="container page-menu-content"> <div class="widget-title widget-component"> <h2 class="section-header" id="postal-financial-services"> <p>Postal financial services</p> </h2> </div> <div class="fr-view"> <p>The provision of basic postal financial services contributes significantly to global economic and social development and plays an important role in improving living standards.</p><p>The postal sector is able to play a key role in the payments market and the financial inclusion of populations, diminishing consumer risk related to the usage of informal networks and money laundering.</p><p>According to a UPU study, postal operators provide some 1.5 billion people worldwide with access to basic financial services (payments, money transfers and savings).</p><p>Posts, in general, extend their postal payment services (PPS) by offering related products and services to their customers, such as:</p><table style="width: 100%;"><tbody><tr><td style="border: none; width: 50%; vertical-align: top; text-align: left; color: #000;"><p>- Savings/postal accounts<br>- Pension payments<br>- Payment of social aid and scholarships</p></td><td style="border: none; width: 50%; vertical-align: top; text-align: left; color: #000;"><p>- Payment of e-commerce products<br>- Bill payments<br>- Mobile payments</p></td></tr></tbody></table> </div> <div class="widget-title widget-component"> <h2 class="section-header" id="postal-payment-services&nbsp;"> <p>Postal payment services </p> </h2> </div> <div class="fr-view"> <p>The postal network, through its worldwide coverage and combination of electronic, financial and physical dimensions, ensures that all citizens of the world have access to efficient, reliable, secure and affordable electronic payment services.</p><p>The postal network comprises more than 663,000 physical contact points offering remittance and postal payment services (PPS), which have traditionally constituted a more affordable formal financial services channel compared to the channels provided by banks, money transfer operators and other players.</p><p>It is the UPU's mission to help build a worldwide electronic postal payment network (WEPPN). It does this through the PosTransfer network software suite developed by its <a href="/en/postal-solutions/technical-solutions/postal-technology-centre">Postal Technology Centre</a>. This suite of <a href="/en/Postal-Solutions/Technical-Solutions/Products/PosTransfer-network-associated-services">software tools</a> allows postal operators to offer electronic postal payment services, providing state-of-the-art guarantees to secure payments between designated operators and protecting the interests of senders and beneficiaries alike.</p><p>The WEPPN is complemented by the UPU trademark “PosTransfer”, the UPU automated clearing and settlement system “<a href="/en/postal-solutions/programmes-services/settlement-systems/ppsclearing">PPS*Clearing</a>”, and a set of additional business and quality support tools.</p> </div> <section id="entry-point-14de3cd2-6761-4b36-98b6-a5aa490eb73b" class="entry-point widget-component"> <div class='card-deck mt-3'> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="/en/universal-postal-union/activities/financial-services/postransfer" target="_self">PosTransfer</a> </h4> <p class="card-text">Collective trademark and promotional materials to promote the postal payment services.</p> </div> </div> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="/en/Universal-Postal-Union/Activities/Financial-Services/Postal-Financial-Services/Postransfer-Group" target="_self">Postal Payment Services User Group</a> </h4> <p class="card-text">PPS business development and activities are managed by the Postal Payment Services User Group (PPSUG).</p> </div> </div> </div> <div class='card-deck mt-3'> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="/en/universal-postal-union/activities/financial-services/payments-dialogue-webinars" target="_self">Payments dialogue webinars</a> </h4> <p class="card-text"><p>Presentations and videos of online discussions.</p> </p> </div> </div> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="/en/universal-postal-union/activities/financial-services/postal-payment-services-key-documents" target="_self">Postal payment services key documents</a> </h4> <p class="card-text"><p>Postal payment services key documents:</p> <ul> <li>Agreement</li> <li>Regulations</li> <li>Multilateral agreement</li> <li>etc.</li> </ul> </p> </div> </div> </div> </section> <div class="widget-title widget-component"> <h2 class="section-header" id="financial-inclusion"> <p>Financial inclusion</p> </h2> </div> <div class="fr-view"> <p>Financial inclusion is the provision of basic financial services (savings, payments, money transfers, insurance, credit) to people without access to such services.</p><p>Some 1.5 billion people worldwide already use the financial services provided by Posts. The postal sector is therefore the second largest contributor to financial inclusion worldwide, behind banks but far ahead of microfinance institutions and mobile phone operators.</p><p>The UPU helps its member countries to introduce or develop inclusive and sustainable financial services. As an information and technical assistance platform for the postal sector, the UPU is an ideal partner for lending institutions and donors in the effort to make postal financial services accessible to the most disadvantaged populations.</p><p>Financial inclusion activities are carried out by the UPU within the framework of Council of Administration (CA) Committee 4.</p> </div> <section id="entry-point-b6559904-793a-4fd1-afae-c34bfec59638" class="entry-point widget-component"> <div class='card-deck mt-3'> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="https://www.upu.int/en/Universal-Postal-Union/Activities/Financial-Services/Research" target="_self">Research</a> </h4> <p class="card-text">The UPU works with its members and various international organizations to better understand the contribution of postal networks to financial inclusion.</p> </div> </div> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="https://www.upu.int/en/Universal-Postal-Union/Activities/Financial-Services/Technical-Assistance" target="_self">Technical assistance</a> </h4> <p class="card-text">The UPU also provides its member countries with technical assistance to improve their contribution to financial inclusion at the national level.</p> </div> </div> <div class="card"> <div class="card-body"> <h4 class="card-title"> <a href="/en/universal-postal-union/activities/financial-services/financial-inclusion-projects-sponsored-through-the-japan-fund" target="_self">Financial inclusion projects sponsored through the Japan Fund</a> </h4> <p class="card-text">The UPU and the MIC are supporting projects from designated operators of UPU member countries, aimed at the provision of innovative and inclusive postal financial services.</p> </div> </div> </div> </section> </div> </div> <div class="col-md-2"> </div> </div> </div> </section>  </main> <section id="search-results"> <div class="container-fluid"> <form 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