Money Transfers: Does RIA Financial have different pricing for small shops versus large partners, and how is their fee structure organized?

Yes, RIA will offering preferential pricing, which translates to better sharing on money remittances executed with partners that provide more volume of business to them (both in number of transactions as well as Dollar value).

Their fees structure will vary from country to corridor and would depend on the type of tie-up relationship you have with them. Unless you are very small, you will just get the rack rate, otherwise, you can negotiate.