After some frustrations with a well-known provider I tried Xe. The site is just straightforward and obvious, totally tailored to in my case the Botswana banking system. A bank code sent to me had an error. However the correct code was looked at by the system. I only had to click my mouse twice and it was fixed.
I made two payments in less than 2 minutes. Everything was confirmed immediately by email. Within 48 hours payments were complete. The rates were excellent and the commission minimal.
So nice to work with an group who know how to develop a website. And the app looks even better.