A method includes initiating a remittance transaction interaction with a sender in response to a request from the sender. The request includes recipient information that identifies a recipient. As part of the remittance transaction, a request message is transmitted. A response is received in real time. The response indicates that the remittance transaction cannot be performed for lack of a valid recipient's account. The sender is informed that the remittance transaction cannot be performed. After the sender is so informed, the remittance transaction interaction with the sender is concluded.