[Zypher]

Ginger + Yuki: Paying by phone usually costs avatar sites more money than they make. Not to mention one of them recently got rid of their US service. So it would be difficult to find a stable, decent rated company to do the phone thing. Most people don't know that though. Can't speak on the behalf of Fen or any of the others, this is simply what I've learned from my experiences.

as for western union, yes, those are electronic transfer money orders. Most places get the money same day or next day depending on when the receiver goes to pick it up. All you have to do is provide the person with the code for the transfer. There's usually also a small fee depending on where you're sending the money. Best to look into it when and if you go to western union as they always explain it.