Paypal

• 1). Ask the individual who needs the money if she has a Paypal account. If she does not have an account, one can be set up by going to paypal.com and clicking the "Sign up" link on the front page.
  
  
• 2). Log on to your own Paypal account and click the "Send money" link at the top. Enter the email address of the person and the amount of money you wish to send.
  
  
• 3). Verify the amount of money you want to send. You can send the money directly from the balance in your Paypal account or you can choose to send the funds from a bank account or credit card.
  
  
• 4). Contact the person you are sending the money to and let them know that the funds are available. The person can now log on to his Paypal account and transfer the money to a bank account. If the individual has a Paypal debit card, she can instantly withdraw the cash from any ATM machine.
  
  

Western Union

• 1). Contact the recipient and get his or her full legal name. The recipient will need to present ID to pick up the funds, and the ID presented must match that on the money transfer form.
  
  
• 2). Go to your local Western Union office and complete a money transfer form. Be sure to fill out the transfer form in its entirety.
  
  
• 3). Give the completed money transfer form and the money to the clerk. The clerk will check the form and initiate the transfer.
  
  
• 4). Log on to the Western Union website and use the tracking number on your receipt to check the status of the transfer. Contact the recipient to make sure the money has been received.
  
  

Prepaid Debit Cards

• 1). Purchase a prepaid debit card, either from your local bank or over the Internet. Record the debit card number for your records---you will need this number to replace the card if it is lost or stolen.
  
  
• 2). Mail the debit card to the recipient. With Priority Mail the card will arrive within three days. If you need it to arrive sooner use an overnight service such as Federal Express.
  
  
• 3). Contact the recipient to make sure the debit card has arrived. Contact the shipping company if the card has not arrived within the promised time-frame.