Hi WJ! My name is Zain and I'm the co founder of a company called Payo.io I've created a thread here for Payo to offer support to our users. We are a payment processor that operates in over 130 countries around the world and we offer instant online payments & withdrawals. Fees are as low as 2% + $0.10 for sending and receiving money. I'm super excited to announce our new promotion: Sign up and receive $10 credit to spend as you wish at any one of our merchants online. If you have any questions, or would like to know more about Payo please reply to this thread or simply visit Payo.io and speak to one of our friendly consultants via our live chat feature. Looking forward to hearing from all of you!