Royer’s Connection is a premier virtual marketplace for cross-border, person-to-person, payments in exchange for goods and services. Its unique consumer-to-business interface enables family and friends abroad to pay for products and expenses that benefit their relatives who reside in international locations. Unlike existing models of electronic money transfers, Royer’s Connection eliminates the “middle man” and expands its reach to direct provision of goods so that citizens of the island can get the relief they need quickly and affordably, without any inconvenience.