Hi everyone,

I want to send 20 pounds to my 13 year old sister for her birthday cake and I used xoom coz i believe it's the cheapest and it's the most conevenient way of sending to the philippines after comparing its charges to Western Union and Moneygram. I also checked PNB euro .com but for some reason you can't send money unless you submit your passport and other documents. What a hassle to send 20 pounds! Anyway, After filling in the form on xoom.com it says " CARD AUTHORIZATION FAILED" I used my BDO debit card and also tried my husband's HSBC debit card but it says the same thing! Both debit cards have enough funds ,I wonder what the problem is?
Has anyone experienced this? THANKS in advance for all of your replies!!!