I recently used Xoom.com to send money abroad and had a very frustrating experience. I used Xoom because it was cheaper and more convenient than doing an international wire transfer at my bank. I actually used a coupon code that waived the $9.99 credit card transaction fee as well. For convenience and my privacy, let’s just say I sent $20. Without the transaction fee, I should be charged $20, but instead a $49.98 charge showed up on my credit card. That’s an extra $19.98, which looks like they double-charged that transaction fee.