Western Union is a strange business. The company is well known as a large (huge?) money transfer business. Yet, if you call customer care the person at WU inevitably sounds much like a clueless git who can only answer questions that most likely an 12 year old could answer after minimal coaching and the promise of something a 12 year old would hold dear (no idea what that would be). Either customer service doesn't know how their own financial system works or they are kept ignorant for a reason. In addition, who coded their web site? Especially this WU pay service. Look at it this way, if a company knows they are going to have to interface with large banks and complete electronic deals with those banks, wouldn't it be a good idea to have a more sophisticated interface for sender's to complete? Some directions of how to complete transfers without sending up red flags for the banks being withdrawn on? Of course if I wanted to go to an agent and drop off cash that would work no problem. The real value of WU is not paying a large cash fee, but paying a small electronic fee...Thus, with WU Pay and bank transfers a cluster phuuk there is limited value for Western Union as it just takes to long to figure out the way to send some money.