Have used Xendpay a number of times to transfer funds to my daughter who is studying in China. Payment model is innovative (it suggests what it thinks is a fair price - and there's no need to change this, it's very reasonable) and exchange rates are good. The money usually gets to the recipient in 3 working days. Payments to China can be tricksy, and this is where some companies would fall down. Very happy to say that Xendpay have provided good, personal service on my last transaction, which failed due to no fault of their own. They usually respond to messages within the day (or next day), and phone support is remarkably hassle free. This is, of course, how it should be, but how many companies give you the royal run-around the second you fall out of a standard process? I don't usually bother writing reviews, but it's a thumbs up from me.