I was searching for an online payments company which is easy to load and professional on money transfers. I have my kids studying abroad and I was fed up with high transaction fees. This is not the only knot here. Also, my online payments were delaying for almost 2 days. Only mothers would understand how I feel for those 2 days. Anywayz, now I am totally happy with my double-quick online money transfers. I also pay my Netflix and water pills with my InstaReM account. The only thing I could ask for more would be extra debit cards for my family. Just this!