Can I track a Xoom transfer without signing in?

No. Xoom is owned by PayPal and requires PayPal/Xoom sign-in (with SCA / 2FA in EU & UK) to see any transfer status. The receiver can use the receipt link in the confirmation email — that token-signed link shows status without a sign-in but is unique to the receiver.

What do Xoom statuses mean?

"We received your payment" = PayPal has confirmed the sender's funding source. "Sending your money" = Xoom is routing the funds to the payout partner. "Ready for pickup" = receiver can collect cash at the agent. "Delivered" / "Received" = the funds reached the receiver's bank, wallet, or were collected as cash. "Action needed" = sender must respond to PayPal / Xoom for compliance.

My Xoom transfer is delayed — what now?

Sign in to xoom.com with the sender's PayPal account, open the transfer, and check the timeline plus any yellow "Action needed" banner. If the banner asks for a document, upload it inside the same screen. Otherwise call Xoom support 1-877-815-1531 (US) or use chat in the PayPal message centre.

Is my Xoom transfer covered by PayPal Purchase Protection?

No. PayPal Purchase Protection applies to goods/services purchases — international Xoom transfers are person-to-person transfers and are NOT covered. Once the receiver collects, the transfer cannot be reversed by Xoom or PayPal. Only send to people you know.

Why does PayPal own Xoom?

PayPal acquired Xoom in November 2015 for USD 890 million to add a true international remittance product to its core P2P payments platform. Xoom keeps its brand for the international transfer market while PayPal handles identity, KYC, funding and settlement under the hood.

Is Xoom available in every country?

Xoom can send FROM the US, Canada and most of Europe + UK + Australia. It can send TO ~160 countries (the latest list is at xoom.com/where-we-send). Notable absences as of 2026: most of Sub-Saharan Africa beyond Nigeria/Kenya/Ghana/South Africa, Russia (blocked under sanctions), Iran, North Korea, Sudan.

Xoom payment tracker Xoom

무료 — 도입 기간

Xoom 송금 추적

Xoom Confirmation Number을 사용해 모든 Xoom 송금을 추적합니다. 제공사가 공개 추적 도구를 제공하지 않는 경우, 앱에서 상태를 확인할 수 있는 정확한 4단계 경로를 안내합니다 — 가짜 데이터는 절대 없습니다. 앱 내 경로: xoom.com → PayPal로 로그인 → Transaction history.

NEW Ohmyfin Organisation has expanded coverage

Beyond SWIFT wire tracking on ohmyfin.org, we now offer dedicated status pages and (where the brand allows it) live lookup for every major international money-transfer service. Track yours directly:

Cash & agent networks (live lookup)

Western Union MoneyGram Ria

Digital remittance (status guide)

Remitly Xoom WorldRemit Wise TransferWise Instarem OFX

Banks & wallets (status guide)

Revolut PayPal Payoneer Skrill NETELLER

US peer-to-peer (status guide)

Zelle Venmo Cash App

SWIFT wires (live, free)

Track by UETR All brand trackers

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

Go to xoom.com (or open the PayPal app → Send → Send internationally — the flow re-uses your existing PayPal credentials).
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.
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.
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

PayPal source-funding hold — sender funded with a brand-new bank account that PayPal has not yet verified, or used a credit card the issuer is challenging

Fix: Sender opens PayPal → Wallet → check the funding source for a yellow warning. Either confirm the small deposits PayPal sent to the bank, switch funding source, or wait 24–48 hours for PayPal to clear the verification.

Recipient bank rejected the deposit (wrong account number, IFSC / SWIFT code, account-holder name mismatch, dormant account, account does not accept inbound foreign currency)

Fix: Xoom will email the sender within 24 hours. Sender corrects the details in xoom.com → Transaction History → Edit, or cancels for a full refund (typically credited within 3–5 business days).

Cash pickup partner branch closed at the time receiver arrives (covid-era reduced hours still common in LatAm, Caribbean and West Africa)

Fix: Receiver tries any other partner branch in the same network — the tracking page lists every active branch with current hours.

OFAC / sanctions screening — typically triggered for transfers to Cuba (Xoom-supported), Venezuela, Lebanon, Russia (blocked), or where the receiver name partially matches a screening list

Fix: Xoom will contact the sender for additional information (receiver ID, sender's relation, purpose). Most cases clear within 24 hours; pure name-collision blocks usually clear in under 4 hours.

Destination country bank holiday or weekend cutoff (LatAm and SE Asia bank-deposit transfers settle on the next local business day)

Fix: For urgent transfers switch to cash pickup or mobile wallet — both settle in minutes, 24/7/365 in most corridors.

Typical Xoom delivery times by corridor

Corridor / payout method	Typical time
Cash pickup — US → Mexico, Philippines, India, Vietnam, Guatemala	Minutes (95% within 30 minutes during partner business hours)
Mobile reload — US → Mexico (Telcel, Movistar), Philippines (Globe, Smart)	Within 1 minute
Bank deposit — US → 100+ countries	1 business day; up to 3 for tier-3 corridors (Africa, Caribbean, parts of Central Asia)
Bill pay (electricity, water, phone, credit card) — Mexico, Philippines, Colombia	Same day if received during partner business hours
High-risk corridor first transfer (Cuba, Lebanon, Venezuela) — funded by US bank ACH	24–48 hours pending compliance review; subsequent transfers minutes-to-hours

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

US toll-free (Xoom)

1-877-815-1531

Mon–Fri 05:00–22:00, Sat–Sun 06:00–22:00 PT

International

+1-415-395-4925

24/7

+44 800 358 7448

24/7

Help Center

help.xoom.com

PayPal message centre

paypal.com/messagecenter (use PayPal sign-in)

X / Twitter support

@AskPayPal

Xoom scam warning

Watch out: Xoom-specific scams in 2026: (1) Fake PayPal "alerts" by SMS or email asking you to verify your account or release a held transfer via a phishing link. PayPal never asks for your password by email. (2) Romance scams asking for Xoom transfers to a "spouse abroad". (3) Job offers requiring you to receive funds then forward them via Xoom. If a transfer feels wrong, cancel it inside xoom.com — refunds are guaranteed up to the point the receiver collects.

각 상태의 의미

승인됨 / 자금 수령	제공업체가 송금인의 결제를 확인하고 송금을 대기열에 추가했습니다.
진행 중 / 전송 중	제공업체가 자금을 처리하거나 수령인에게 전달하고 있습니다.
수령 준비 완료	현금 송금이 수령인이 대리점에서 수령하기를 기다리고 있습니다.
전달됨 / 수령됨 / 완료됨	수령인이 계좌, 지갑 또는 현금으로 자금을 받았습니다.
조치 필요 / 보류됨	송금인의 조치 필요 — 보통 신분증 업로드, 자금 출처 확인 또는 지급 파트너 장애.

자주 묻는 질문

로그인 없이 Xoom 송금을 추적할 수 있나요?

아니요. Xoom은 PayPal 소유이며 어떤 송금 상태도 보려면 PayPal/Xoom 로그인이 필요합니다. 수령인은 확인 이메일의 영수증 링크를 사용할 수 있으며 — 그 링크는 로그인 없이 상태를 보여줍니다.

Xoom 상태는 무엇을 의미하나요?

"In progress" = Xoom이 자금을 처리하거나 이동 중. "Ready for pickup" = 수령인이 지급 대리점에서 현금을 수령 가능. "Received" = 자금이 수령인의 은행/지갑에 도착했거나 현금으로 수령됨.

Xoom 송금이 지연되고 있어요 — 어떻게 하나요?

송금인의 PayPal 계정으로 xoom.com에 로그인하여 송금을 열고 타임라인을 확인하세요. 일반적인 지연: 자금 출처 확인, 제재 심사, 지급 파트너 장애. Xoom 지원: 1-877-815-1531 (미국).

여기서 Xoom 추적이 무료인가요?

예 — 이 상태 가이드는 무료이며 무제한입니다. 실제 송금 상태는 항상 PayPal/Xoom 로그인에서 가져옵니다.

SWIFT/MT103/UETR 결제를 추적하시나요? 무료 SWIFT GPI 추적기 사용