PayPal Xoom is a PayPal service designed to help you send money to your friends and family abroad with ease and confidence. It is a fast, simple, and secure way of sending money, reloading phones and paying bills for people in over 70 countries around the globe.
What is PayPal Xoom?
PayPal Xoom is a service offered by PayPal to simplify the way you send money to your friends and family. This service helps you stay updated with text updates, email notifications, online access, etc. With Xoom, you can always see your exact fee as well as the amount your recipient will receive.
Using this service, means your transaction is secure, and you don’t have to worry about your financial information being shared. This is made possible by the service encryption and fraud monitoring which helps to protect your transaction 24/7. There is also a money-back guarantee, that your money will be received or PayPal will refund your transaction in full.
With this service, you can do the following:
- Deposit to a bank account – send money to any bank account.
- Send cash for pickup – send cash for pickup at thousands of partner locations around the globe.
- Have cash delivered – send money directly to your recipient’s door.
There’s a lot you can do with the Xoom service that has been well designed with your needs in mind. Let’s get right into them and see why this service has become so popular with PayPal users.
What Can you do with PayPal Xoom?
PayPal Xoom enables you do the following:
- Easily send money to a recipient’s bank account.
- Send cash for pick up or home delivery.
- Pay international bills
- Reload a prepaid mobile phone.
- Xoom allows you to help family and friends right from your computer or mobile device.
If you are sending an international payment using your personal PayPal account for any of the above reasons, you will be required by PayPal to log into your Xoom account. If you do not have a Xoom account already, you can easily create one directly from your PayPal account.
Now let’s see how you can create PayPal Xoom account with ease:
How to Create PayPal Xoom Account
To create a PayPal Xoom account, you have to use this simple steps:
- Scroll to your “Send and request page”.
- Next, click ‘Send to friends abroad’.
- Choose the country and click ‘Next’.
- Then choose one of the Xoom-supported options.
Once you do the above mentioned, you will be taken directly to Xoom.com where your PayPal credentials will be used to create a Xoom account for you. If you already have an account, then you will be able to link to your PayPal account when you are directed to Xoom.com.
For ease, you are at liberty to use your PayPal credentials to log in to your Xoom account by tapping the ‘Continue with PayPal’ link on Xoom.com.
Now let’s see how much it costs to use the Xoom service.
How Much Does it Cost to Send with Xoom?
Sending money, reloading mobile phone plans, or paying bills may come with a fee charge from Xoom. Now the service fees vary depending on your country, the country to which you are transferring money, your funding source, the payout currency, and the overall transfer amount. You will be paying the lowest fees if you transfer money via a U.S. bank account, however, the transaction may take up to four business days for Xoom to receive funds from your bank. Note if you are paying with a credit or debit card, the fees are slightly higher, but transaction processing is faster.
The majority of Xoom’s transactions are sent to Mexico and the Philippines, funded from a bank account and disbursed in local currency. For those transactions, the customer is required to pay a flat fee of $4.99 to send any amount up to $2,999.
Transaction fees may vary depending on the following:
- The type of transaction you make.
- Your payment method as well as what currency you pay with.
- The amount of the transaction.
- Which country the transaction is going to.
- The type of currency you choose for your recipient to receive.
Transaction Fee for Sending Money
You can use PayPal Xoom calculator to see specific transaction fees and exchange rates for the transactions you would like to send.
Transaction Fee for Reload
The reload transaction fees depend on the currency you use to pay for your transaction.
Xoom’s Exchange Rates
If your transaction involves converting your payment currency into a different currency, PayPal will display its exchange rate to you. Its exchange rate includes a currency conversion spread.
All currencies get converted at the exchange rate displayed at the time of the transaction. Understand that Xoom’s exchange rates change regularly depending on financial markets or the rates offered by Xoom’s local partners.
Paying with a Credit Card
If you are paying using a credit card for a Xoom service, your card provider may charge a cash advanced fee in addition to Xoom’s transaction fee.
PayPal Xoom App
PayPal Xoom app is an app designed to enable you to send money, reload phones, and pay bills with ease from your iOS or Android mobile device. It also comes with features that enable you to check on the status of your transactions wherever you go using your phone.
How to Download the PayPal Xoom App
It is quite easy to download the Xoom app. Here is how it goes:
- Click on and open the App Store or Google Play
- Then search for “Xoom”.
- Click on the download link to have the app downloaded to your device.
Above is how to download the PayPal Xoom App.
How to Use the App
Once you’ve had the app downloaded on your device, you can start using the app. Here is how to use it:
- Open the app and sign in (or sign up for a new account)
- Choose your destination country
- Decide if you want to send money, reload phones, or pay bills.
Now that your app is up and running, let me show you how to set up your first payment source:
How to Set Up your First Payment Source
To connect a bank account, credit card, or debit card to your account, you have to use that payment source in a transaction.
Once a payment source is connected to your account via a transaction, you can manage or delete it at any time from your “My Account Page”.
How to Pay Bills with PayPal Xoom
To be able to pay a utility bill for someone, using Xoom you must have the account number and the name on the bill. Bills are paid instantly, except for Telmex bills in Mexico, for which payment takes two business days.
How to Pay Bills
- Choose ‘Bill Pay’.
- Select your recipient’s country.
- Choose the bill type and the company.
- Key in the account number.
- Opt to pay with a bank account, credit card, or debit card.
- Tap ‘Authorize’ to complete the transaction.
What Countries Accept Xoom Bill Pay?
- The Dominican Republic.
- El Salvador.
- Costa Rica.
Bills you can Pay with PayPal Xoom
- Bundle plans.
Options vary by country.
Repay with Xoom
To repay is easy, as Xoom can securely store details such as your recipient’s name and phone number to enable you quickly pay for the same bill next time.
Paid the Wrong Account?
You are to enter all account details accurately to ensure that your recipient’s bills are paid. But if you accidentally paid the wrong account, you are to contact PayPal as soon as possible.
Paying Bills with Your PayPal Account
Xoom is a service of PayPal, thus you can use a bank account, credit card, or debit card linked to your PayPal account. Howbeit, you cannot pay with the money in your PayPal balance.
Simply log in or sign for a Xoom account, using your Paypal account information and choose an available PayPal-linked payment method at checkout.
If you happen to use a PayPal payment source for a Xoom transaction, then you can also review your Xoom transaction history via a special link in your PayPal transaction history page.
For those looking for an affordable alternative to other international money transfer services to send money to friends and family across the world, PayPal Xoom is the answer. With this service, you also have customer safety and a money-back guarantee. You now have a money sending service right in your pocket!!!