I think they are cheats... I booked an ACH transaction which was rejected by so called compliance department but was suggested to book another transaction for the same amount using EFT. The EFT transaction was approved and went thru fine but i ended up paying another $20 for this transaction.

If a transaction is to be rejected by compliance then it should be rejected no matter it is ACH or EFT. This had happened before and has happened yet again. I would rather prefer to spend $10 more and send the EFT directly to my account in India. This way i pay $10 more (i.e. $30) but then i do not have to go thru another mediator.