If I could give it 0 stars, I would. Let me tell you, don't even try their services it's not worth your time. Just trying to save a few bucks instead of sending through paypal took me so much trouble instead. I sent my payment on 8 Oct and I had to continuously contact the customer service and helpline regarding why the transaction has not been sent yet. I would say it took me more than 5 hours in total. The chatbox would automatically close for no reason. One time, when I contacted the customer service, they asked me to send my selfie to confirm my identity. Yet on their website and the initial email, there was NO PLACE to send the selfie. On 12 Oct, when I contacted the customer service for probably the 4th or 5th time, they asked me to call my bank to confirm if my transfer has been made and not held on for security purposes. I called, there was no issue and my transaction went through on 9 Oct. On 13 Oct, I found out that my transaction was canceled on their part. It's ridiculous how long I had to wait for the transaction to BE CANCELLED. They did not give me any reason for the cancellation. I had to spend time to once again for the 6th time, call the customer service to ask why and they said MAYBE it was because of the late sending of selfie, and they actually couldn't confirm why it was canceled. Hello, why didn't you inform me to send the selfie immediately if that was the problem from the start? I would have sent on the day of my transaction. It's ridiculous how they allow you to send them money to their bank account but do not allow you to transfer money since they have not "identify your identity". So what was the solution? They asked me to order another transaction and pay them the fee AGAIN. They said the previous transaction will be refunded to me in 3 to 7 working days. Do I trust them to order another transaction and pay again? No. If I do not receive my refund in 7 days, I would consider contacting the Monetary Authority of Singapore (MAS).