The reason is simple, economies of scale. The more business you provide, the lower (or better) the rate you get. This is not only true for the money transfer business but is true for any other business you might venture into. As such, the three packages for Remittance-as-a-Service that we have developed, have a slight (albeit noticeable) difference in rates. The lower the barrier to entry, the rates are high. When you provide more business to the solution provider and pay a higher monthly charge/commitment, then the rates are reduced for you.