How can I continue using Xoom if my payment failed?

What does it mean when your payment failed? We delivered the transfer to your contact, but your payment to us was not successful. 

To resolve this failed payment and regain access to your account, call us at: 

U.S.: 877-574-2085 (Monday–Friday, 6am–2.30pm PST) 

Canada: (415) 395-4248 / (866) 544-8288 (Monday–Friday, 7am–5pm PST)