its all in the X-rates..i am a frequent sender and have tried all the service from western union, money gram, travel-x, muncha, thamel.com, money2 nepal.. here is my summary..

if its an urgent fund for small amount send through moneygram.but if you are sending a large amount then thamel.com and muncha is the best..these 2 companies x-rate is better than anyone out there...don't get sold by money2nepal's free transfer..their x-rates aren't guaranteed upon delivery...

I wouldn't worry much about the SSN as all these companies are backed by legitimate companies.