A Google search for "fast money transfer wire" lists Obopay as the first site. The reality is that they take your money fast, even deceiving you into paying a credit card fee to make it happen, then sit on your money for 4-5 business days (and counting). There is only one reason to use the obopay service - to transfer money fast. Snail mail is faster. I eventually discovered that the site provides information about this needless delay, but this information is very deep in the support area. This is the most commonly asked question in the support area. The obopay FAQ, linked to the front page, does not mention the 4-5 day delay. In fact, here is a quote from their site: "The recipient will be notified via a SMS text when the money has reached their account, letting them spend it or transfer it right away." While I suspect the intended recipient in my case will receive a text in 4 or 5 days, so they can now spend their money "right away," this is certainly not how site visitors would interpret this site. Here is another quote from the obopay site: "My daughter needs money . . . she's in New York and I'm in Los Angeles. No problem, I pick up my cell phone and send her money using Obopay. She gets it immediately, and can spend it right away." This is a lie. I was trying to help a family member and was ripped off by obopay. My son needed help and believed his parents, with the help of obopay, provided that help. The site told me they would help in exactly such a situation. Instead, the deceptive business practices of obopay made the situation worse. Obopay is a useless service. Legitimate wire transfer services are faster. FedEx is faster. Driving across the country to deliver the cash is faster. The obopay site is deceptive. Don't trust obopay.