yes, when you pay with evocash, you transfer evo's (us dollars) from one evocash account to another evocash account. the wire transfer is when you are actually funding your account (although i don't know why anyone would use this option due to cost). if you wire money to x-changers, its gonna cost you. easier to buy a money order and mail it. i think that every evocash funding option is a rip off except for sending a money order. even getting your own money back incurs a charge.