.Now I understand the business completely and I am getting enlightened minute by minute. There is nothing wrong with umtcl ....... They are doing a good business and I wish them best of luck. Now I can explain why muncha and untcl look similar. Its just because they are agents of actual money transferring site called RapidRemit, which itself provides such service and has the EXACT look and feel as that of umtcl and muncha. Though umtcl is not listed as its agent in Nepal, money muncha is. This doesn't rule out untcl is not agent of Rapid Remit. I created a "test account" with untcl and got a call from Rapid Share for erroneous data entry. I don't know why umtcl is not listed as one of the agents .... I will be using the best serive available in the market. And at present umtcl looks better than anyone else for better "actual exchange rate". Thank you kwalkhu for correcting me .......... Now I understand the business of sending money.