Been using Payday Africa for international transfers since last year and honestly the service itself is reliable when it goes through. The rates are competitive compared to what my colleagues pay at other places and funds arrive on time which matters when you're sending money back home. My problem is their app though, it crashes constantly and I've lost count how many times I had to call customer care just to complete a transaction that should take five minutes. For the convenience they promise I expected better but I'll keep using them because the alternative is worse.