This one comes with the basic service. It's the lowest price and therefore the slowest, of course. But it's the one most of us are accustomed to, so it's not anything unusual. It's also the simplest method. All we need is basic name, address and bank info for the source and destination, and we're in business.
All of these cost a little more - the faster the transfer, the higher the price. No surprise there. There is an identification requirement, as well. Both parties have to be fully identified and verified before any transfers can be executed. So, no sleazy underworld deals, ok? That's not going to play here.