Online Money Transfer is not a simple process, but actually, there are several other things as well which operates at the very back end. Usually when you visit an independent company or a bank for a money transfer then they will surely tell you everything in detail except for their fee which is different for different organizations.
It is obvious that they will not provide their services for free, so they charge a few percentages from your total funds to be transferred. Sometimes that price is being charged directly from the amount you are sending, and in some cases, this money is being asked for separately.
Well sending money might be a bit awkward, but receiving cash is another part of the same story. Usually, bank transfers are easily received, and some big names have also placed their offices in even small towns as well. But you also need to realize that not every company will be having their offices around you. So it is really necessary for the sender to understand which service is going to be comfortable for the receiver. And last but not least that what so ever service you choose, but make sure that it should be reliable and secure.