A fairly new payment system that you did not include in your list is called BitGold. (It is unrelated to bitcoin.) It is a savings account denominated in gold that also has convenient and cheap/free ways to make payments to others. The only fees are 1% to get your local currency into gold and 1% to get it back out. You actually own the physical gold. It's stored in a Brinks vault, but there are no storage fees. There is a fee if you want to take possession of the gold. There are many great reasons to save in gold, but in regards to this thread, Bitgold is a really cheap way to make international payments. Because it's outside of the banking system, it removes the friction and cost of moving money internationally. If you are interested, go to BitGold.com/r/jmLsB4, which is my referral link. Using it to create an account will give us both a tiny little bonus.