I got lifetime banned on Moneygram the first time I tried to use it online. Using my personal info - home address, real credit card, etc. When I called them and finally spoke to someone they said their security team had identified a security risk and I was lifetime banned.
WU I've had no problem with. But I find that it's way less of a pain in the ass to go to a Publix Supermarket or somewhere similar and send cash with WU there. If you go to one of the standalone WU stores in the low income areas, prepare to stand in line and get coughed on, deal with a bunch of bullshit people, bullshit process/procedures, etc.
In Publix I literally give them my phone number, they pull up my account, I give them a name and a country, hand them cash and then get my receipt and go.
I need to switch to BTC - tried setting it up last time and my credit cards kept getting declined - no real way of troubleshooting it because the info was all valid, error message vague, and no contact info for resolution other than send an email and they say try a different card. So then I get paranoid and think they're just collecting card numbers.