Xoom is a subsidiary of Paypal, you can use Xoom to send and receive payment. Sending option is limited to North America and Europe but you can receive funds through Xoom globally. PayPal Xoom has the lowest fees in the cross-border transactions. YOu can associate your Xoom account with PayPal account to send your paypal funds even in the countries where paypal is not accepted. The money you receive will be directly sent to your bank account or can be collected from the agent. Have you used Paypal Xoom?