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Revenue | 9 Months Ended
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Sep. 30, 2025
Revenue from Contract with Customer [Abstract] |
Revenue | # 2. Revenue The Company’s revenues are primarily derived from consideration paid by customers to transfer money. These revenues vary by transaction based upon factors such as channel, send and receive locations, the send and receive funding method, the principal amount sent, and, when the money transfer involves different send and receive currencies, the difference between the exchange rate set by the Company to the customer and a rate available in the wholesale foreign exchange market. The Company also offers other consumer services, for which revenue is impacted by similar factors. The Company analyzes its different services individually to determine the appropriate basis for revenue recognition. For additional information on the Company's different services, refer to the Company’s consolidated financial statements within the Company’s Annual Report on Form 10‑K for the year ended December 31, 2024. Revenues from consumer money transfers are included in the Company’s Consumer Money Transfer segment and revenues from consumer bill payment and other services are included in the Company’s Consumer Services segment. See Note 14 for further information on the Company’s segments. The substantial majority of the Company’s revenue is recognized at a point in time. The following tables represent the disaggregation of revenue earned from contracts with customers by product type and region for the three and nine months ended September 30, 2025 and 2024 (in millions). The regional split of revenue shown in the tables below is based upon where transactions are initiated.
|  | Three Months Ended September 30, 2025 |
|  | Consumer |  |  |  |  |  |  |
|  | Money |  |  | Consumer |  |  |  |
|  | Transfer |  |  | Services |  |  | Total |
Regions: |  |  |  |  |  |  |  |  |
North America |  | $ | 315.0 |  |  | $ | 38.3 |  |  | $ | 353.3 |
Europe and CIS |  |  | 255.1 |  |  |  | 49.8 |  |  |  | 304.9 |
Middle East, Africa, and South Asia |  |  | 134.4 |  |  |  | — |  |  |  | 134.4 |
Latin America and the Caribbean |  |  | 94.2 |  |  |  | 50.5 |  |  |  | 144.7 |
Asia Pacific |  |  | 48.0 |  |  |  | — |  |  |  | 48.0 |
Revenues from contracts with customers |  | $ | 846.7 |  |  | $ | 138.6 |  |  | $ | 985.3 |
Other revenues (a) |  |  | 31.3 |  |  |  | 16.0 |  |  |  | 47.3 |
Total revenues |  | $ | 878.0 |  |  | $ | 154.6 |  |  | $ | 1,032.6 |
|  | Three Months Ended September 30, 2024 |
|  | Consumer |  |  |  |  |  |  |
|  | Money |  |  | Consumer |  |  |  |
|  | Transfer |  |  | Services |  |  | Total |
Regions: |  |  |  |  |  |  |  |  |
North America |  | $ | 359.1 |  |  | $ | 36.2 |  |  | $ | 395.3 |
Europe and CIS |  |  | 241.5 |  |  |  | 14.6 |  |  |  | 256.1 |
Middle East, Africa, and South Asia |  |  | 151.0 |  |  |  | 0.1 |  |  |  | 151.1 |
Latin America and the Caribbean |  |  | 103.1 |  |  |  | 36.0 |  |  |  | 139.1 |
Asia Pacific |  |  | 51.8 |  |  |  | — |  |  |  | 51.8 |
Revenues from contracts with customers |  | $ | 906.5 |  |  | $ | 86.9 |  |  | $ | 993.4 |
Other revenues (a) |  |  | 25.7 |  |  |  | 16.9 |  |  |  | 42.6 |
Total revenues |  | $ | 932.2 |  |  | $ | 103.8 |  |  | $ | 1,036.0 |
|  | Nine Months Ended September 30, 2025 |
|  | Consumer |  |  |  |  |  |  |
|  | Money |  |  | Consumer |  |  |  |
|  | Transfer |  |  | Services |  |  | Total |
Regions: |  |  |  |  |  |  |  |  |
North America |  | $ | 979.5 |  |  | $ | 112.8 |  |  | $ | 1,092.3 |
Europe and CIS |  |  | 737.8 |  |  |  | 93.7 |  |  |  | 831.5 |
Middle East, Africa, and South Asia |  |  | 411.4 |  |  |  | 0.2 |  |  |  | 411.6 |
Latin America and the Caribbean |  |  | 280.9 |  |  |  | 146.4 |  |  |  | 427.3 |
Asia Pacific |  |  | 144.9 |  |  |  | — |  |  |  | 144.9 |
Revenues from contracts with customers |  | $ | 2,554.5 |  |  | $ | 353.1 |  |  | $ | 2,907.6 |
Other revenues (a) |  |  | 81.4 |  |  |  | 53.3 |  |  |  | 134.7 |
Total revenues |  | $ | 2,635.9 |  |  | $ | 406.4 |  |  | $ | 3,042.3 |
|  | Nine Months Ended September 30, 2024 |
|  | Consumer |  |  |  |  |  |  |
|  | Money |  |  | Consumer |  |  |  |
|  | Transfer |  |  | Services |  |  | Total |
Regions: |  |  |  |  |  |  |  |  |
North America |  | $ | 1,089.9 |  |  | $ | 112.8 |  |  | $ | 1,202.7 |
Europe and CIS |  |  | 699.8 |  |  |  | 36.0 |  |  |  | 735.8 |
Middle East, Africa, and South Asia |  |  | 511.8 |  |  |  | 0.3 |  |  |  | 512.1 |
Latin America and the Caribbean |  |  | 318.2 |  |  |  | 89.5 |  |  |  | 407.7 |
Asia Pacific |  |  | 151.5 |  |  |  | — |  |  |  | 151.5 |
Revenues from contracts with customers |  | $ | 2,771.2 |  |  | $ | 238.6 |  |  | $ | 3,009.8 |
Other revenues (a) |  |  | 88.0 |  |  |  | 53.7 |  |  |  | 141.7 |
Total revenues |  | $ | 2,859.2 |  |  | $ | 292.3 |  |  | $ | 3,151.5 |
________________________________________ (a) Includes revenue from investment income generated on settlement assets primarily related to money transfer and money order services, impacts from the Company's foreign currency cash flow hedges, and other sources.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 7 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-7 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 9 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-9 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 10 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-10 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 15 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-15 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 12 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-12 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Topic 606 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479806/606-10-50-13 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Name Accounting Standards Codification -Topic 606 -Publisher FASB -URI https://asc.fasb.org/606/tableOfContent + Details
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