Hi, is there a way to send money abraod without merchant, fx, paypal, etc by using credit/debit card?

Hi I am setting a new MLM type concept and need to allow members to send money from the UK to the accounts abroad but merchants are too expensive and paypal etc, hate MLM businesses. I have looked at FX companies, etc but there must be a cheaper way for somebody to send and recieve money from abroad without all these ridiculous charges.
Many thanks!

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