We are a small US book company who started using XEtrade nearly 10 years ago to make payments for used books to sellers in other countries. At that time their customer service was in Canada, and they were just wonderful. Excellent assistance, no hassles, easy to use. Seems the last few years that they have outsourced their customer service to Eastern Europe (Slovenia?)and the whole company has gone downhill. Not only can you NOT get anyone in Canada by phone or email. - they are constantly making work for themselves by hassling us for additional company information - to PROVE who we are and why we are doing business. When they are asked to explain on the phone what laws they are basing their requests upon they can't tell you and they can't give you to anyone who can. We have gotten no less than 3 separate requests in the past 6 months for private company documents including tax documents, sales information etc. Each time they threaten to shut down our account. Well - go for it. We have signed up with USForex and are VERY happy with them. XEtrade stinks!