One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party.