The user interface is smart and simple - just like you would expect from a PayPal company. I had hoped to use Xoom as a way to make donations to my church, especially since the banks around me have closed, my grocery store stopped cash back, and there are no ATMs nearby. The 1st payment went through perfectly. The 2nd was cancelled and when I repealed they simply cited their ability to refuse it and don't allow charitable donations. I thought I had found an answer, but it's another dead end.