Well, after seeing a huge amount of adverts for this company on this website, YouTube and pretty much anywhere I tend to go on the net these days I figured I would find that one out.. And so.. I sent Joy 1000 pesos a few days ago using this service to test it out, signing up online providing my personal details to cover whatever security checks they performed and also providing the full details of the recipient (name, address and phone number). Then the payment was processed as per usual online transactions. Now the important part is the cost, 1000 PHP cost me £19,39 to send. The same amount with Western Union cost about £19.75 (and these change every day) so it is pretty much on a par with that service - unless you are a Gold card carrier for Western Union and get the Gold card discount. The money gets collected by the collector in RCBC, LBC or Cebuana money shops. So make sure the person collecting knows where one of these shops is. The process took just a few moments, but given the cost I would only recommend this service for quick and fast money transfers and not regular payments.