متتبع تحويلات Xoom

About Xoom

• OwnerXoom Corporation, a wholly-owned subsidiary of PayPal Holdings, Inc. (NASDAQ: PYPL) since November 2015
• Founded2001 in San Francisco; acquired by PayPal in 2015 for USD 890 million
• HeadquartersSan Francisco, California, USA
• NetworkDigital-first — payouts to bank accounts in 100+ countries, cash pickup at 80,000+ locations (mostly via partnerships with Banco Azteca, BDO, Cebuana Lhuillier, M Lhuillier, Bayad Center, BPI, etc.), mobile wallet top-up in 25+ countries, and home delivery in Vietnam, Guyana, Dominican Republic, El Salvador, Guatemala, Honduras and Nicaragua.
• LicencesXoom Corporation is licensed as a Money Transmitter in every US state where required (NMLS ID 910457). In the EU, Xoom is offered through PayPal (Europe) S.à r.l. et Cie, S.C.A., authorised by the CSSF (Luxembourg). In the UK, through PayPal UK Ltd, authorised by the FCA (FRN 994790). Xoom is a registered MSB with FinCEN.

Why Xoom has no public tracker

Because PayPal owns Xoom and both share a single identity / KYC backbone, every Xoom transfer is treated as a PayPal transaction from a regulatory standpoint — which means transfer status sits behind PayPal's Strong Customer Authentication (SCA, PSD2-mandated in the EU/UK). There is no public lookup endpoint and never will be, by design. The receiver does get a unique tracking link emailed to them, which works without a PayPal/Xoom login.

Step-by-step: find your Xoom transfer

1. Go to xoom.com (or open the PayPal app → Send → Send internationally — the flow re-uses your existing PayPal credentials).
2. Sign in with the email + password the sender used to create the Xoom transfer. If 2-factor is enabled (mandatory in EU/UK since SCA went live), approve the prompt in your PayPal authenticator app or via SMS code.
3. Tap "Transaction History" (top right on web, bottom nav on app). The most recent transfer is at the top with a colour-coded status pill.
4. Tap the transfer to open the detail page. The timeline shows: "We received your payment" → "Sending your money" → "Delivered". If Xoom needs anything, the page will show a yellow "Action needed" banner with a button to resolve it.

Common reasons a Xoom transfer is delayed

Typical Xoom delivery times by corridor

Fees & FX

Xoom fees vary by corridor, amount and funding source. Bank-deposit transfers up to ~USD 1,000 funded from a PayPal balance or US bank account are free in many premium corridors (US→IN, US→PH, US→MX). Credit/debit card funding adds USD 3.99–9.99 per transfer plus a 1.5%–3% card surcharge. The FX margin is typically 0.5%–3.5% above mid-market, wider than Wise but tighter than legacy bank wires. Xoom shows the exact fee + FX rate before you confirm and locks the rate for the duration of the transfer.

Does Xoom use SWIFT?

Xoom does NOT use SWIFT for the customer-facing leg — funds move through PayPal's own correspondent network (PayPal pre-funds local accounts in destination countries and credits the receiver from that pool). PayPal aggregates and settles the resulting positions with its banking partners over normal commercial channels, but no individual transfer carries a UETR. Xoom's "transaction confirmation number" is internal to PayPal and cannot be looked up on the SWIFT GPI network.

Xoom official support channels

Xoom scam warning