A method of operating a centralized web services computer system includes providing a standard interface for financial institutions (FIs) and for funds transfer service providers that participate in a remittance system. The centralized web services computer system may also provide services such as integrating its operations into online banking or customer service representative web environments provided by the FIs. The centralized web services computer system may also provide services related to routing messages, looking up territory-related information, checking user information against blacklists, issuing instructions to FIs to debit or credit user accounts, and/or generating reports.