This company is not serious, be careful when using them to send money, their commission's rates are one of highest in the market but they do not pay the money timely. Also, if for any reason they're unable to pay the money to the receiver, RIA actually keeps the money but do not notify the sender about the issue; they just wait until you finally claim for it. At the end and after minimum a month, you can get your money back but they keep the commission anyway, therefore basically you've ended up paying for a service you never received?