Used Napsgear a few time successfully but I'm out over $600 on my recent transaction. Sent the money via WU to Sergey Kuzin as directed and WU froze the money and my account. Now suddenly no wire service will even allow me to open an account or wire money. Turns out Sergey is on a terrorist watch list and trying to send him money will screw you. Napsgears response to this? They offered me another name to send money to and a 10% discount!!! They won't even attempt to go to WU and try to collect the money or get to the bottom of the issue. Sergey is in the wind. My advice, avoid them like the plague unless you want to lose your money and/or end up on a Department of Homeland Security watch list.