This is a scam company, we sent $100 to our 80year old mother through our bank in Africa she never received the money and they told us that will investigate. It has been a month and they came back to us that there is nothing they can do. We are so mad and will escalate this issue further. We used wave before and they return your money if the recipient doesn't get it. The only reason we don't use them often is they started taking off fees on our end, and on the recipient's end. We use it if we're sending like $20 or less. I would not use this company again.