If you do not hold an account with Tecbridge Circuits, you'll find a link in the affirmation e-mail which can take you on to Pay Pal's Secure Payment site. The Xoom trade fee is created by taking the mid-market exchange fee - the one you discover on Google - and including a markup or margin. With Wise Business, settle supplier invoices and bill clients abroad using the mid-market change price, and with no sneaky hidden fees. Wise uses a low clear switch charge, and the real mid-market exchange fee. With Xoom there is no such thing as a upfront fee in this example, so long as you pay for your switch using your linked bank account or an present PayPal stability.