Came across this service the other day and it seems very amazing. This can be perfect for IMers who are new with small transactions as well as someone who does a lot of big transactions. http://www.dwolla.com "No percentages. No hidden fees. Just 25¢ per transaction or free for transactions $10 or less." $0.25 per transaction can really save alot in long run, as opposed to Paypal, charging something like 2.9% + $0.30 per transaction. So if you have a $199 sale, you give $6.30 to Paypal. With Dwolla, you only pay $0.25. I believe its quite straight forward from here. You do the math.