
we have to look at from the aspect of receiver as well.
although exchange companies or some sites are convenient and cheaper for sender but can be troubling for receiver.
we have our customer sending in the money and sometimes guy to collect from is located in busiest part of the city you cant get parking there you have to use a cab, guy is sometimes hard to locate.
twice i had my car taken by police and had to pay fine for parking in no parking.
although western union may be costly but its really convenient you can get it from most of the bank's branches throughout the city.
havent had any experience with money gram but banks are their agents as well & with them country benefits as well.
disadvantage is their rates are higher and conversion rate is also lower compared to banks.
also there are some companies who deliver cash to the address as well.