What is the ruling on dealing with the transfer of a sum of money through a money exchanger, with the deferment of paying the amount and the transfer fee until a later time?

This transaction is considered a permissible loan. The money changer acts as an agent for the merchant in sending the amount, and the merchant bears the transfer fees. However, if the money changer stipulates that the money must be transferred through him in exchange for the loan, this combines a loan with a compensatory transaction, which is prohibited. But if the merchant has the option to transfer or not, then there is no harm in the transaction.