1. When sending money from USA to Nepal by Credit Card transaction, is it considered as a Cash by credit card company or considered as equivalent to other transaction.

2. Thamel.com and Moneytonepal.com offers no 3% credit card transaction fee. Is there any additonal fee charged by Credit Card Company.

3. Is there any differences between Muncha.com, Thamel.com, and Moneytonepal.com

Please share your experience.