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How does Xoom makes money ?

Xoom (a PayPal Service) is a remittance provider that allows consumers to send money. Xoom charges a transaction fee and sometimes it is free. So how does Xoom makes money?

In addition to the transaction fee, Xoom also makes money when it changes your send currency into a different currency. Xoom rounds to the nearest whole amount.

Xoom transaction fee is depending on the Transaction type, payment method, amount of the transaction.