I've been bashed around for asking questions and if I were to part with anymore $$$ on this...questions and concerns should be addressed and answered......So my only real question is and has been for awhile...are they a licensed money transfer agent...if so are they doing it as CPSZ/EzCard or using another company...should be easy to answer...but seems they would rather skirt around it and/or just remain silent...Fermac...can respond with a real answer???