It depends on what the model is being followed by the remittance transfer company. In some cases, you might pay up-front, but they will still charge the recipient, in most case they don’t however.

Most of the time, you will be paying remittances charges up-front. In the event there are no remittance charges, ask if they are to be paid later on or not.

When in doubt. Don’t! Ask around and check around.

Money transfer operators make money on the FX (Foreign eXchange).