I figured this had more viewings here than on Jr. Vip. I'm using Xoom and I tried sending some money but the transactions are always cancelled. Xoom is bitching about some issue in the ToS I violated, even though I accessed one account with one IP, and the other account with another IP. How does Xoom looks at it? Do they mind if you're the same person passing money to yourself? Note: My sender profile was made through a US IP, and the phone number is fake. The receiver profile is my own and with a different IP. Edit: Are there other networks like Xoom that are reasonable when it comes to their fees?