I use payoneer, for me it is perfect, funds are transferred to banks in 2 days or less, also be careful if you have banks like hdfc bank, because payoneer will transfer funds without converting it, but still take 2 % from you and then hdfc will charge extra for conversion (according to their own rates). for me I use SBI so I only get charged 2% by payoneer and they convert it and send it to my sccount.