There are a lot of methods to make money here on BHW and I have unfortunately not learned enough yet. I?m just getting into the internet marketing scene, but I want to try to help some of you as best as possible given my limited expertise. Obviously I do not have some method to win you all thousands of dollars, but perhaps I can help you all better understand payments so that you can keep more of your money. Options to Receive Money - PayPal - Western Union - Dwolla - Stripe - Google Checkout - Amazon Payments - Braintree - Money Bookers (best in UK) - Paymate (best in NZ and Australia) PayPal Obviously PayPal is the most prevalent payment method in the world today. It is easy and it is typically quite safe and secure. It is also kind of like Facebook ? even if you don?t like it you are kind of forced to use it anyway. If you are a PayPal merchant you can expect to pay some hefty charges for transactions. Standard Merchant Services: a) Accept credit cards on website b) Add PayPal as a payment option (express checkout) c) Email invoices for online payment d) Sell on eBay $0 to $3000 = 2.9% + $0.30 $3000 to $10,000 = 2.5% + $0.30 $10,000 + = 2.2% + $0.30 $100,000+ = Call 1-888-818-3928 If you are selling on PayPal with volume, take advantage of these reductions. If you are receiving micropayments from many CPA networks / affiliate groups take advantage of the micropayment discount as well: ? Application required. Additional fees associated with PayPal merchant accounts: International sales: 1.0% cross-border fee and/or 2.5% currency conversion fee (View Fee Calculator) Western Union Costs for Western Union vary depending on the location (domestic U.S.A. or international etc.) You can find western union calculations on their website. Dwolla Dwolla is new service that is somewhat revolutionary for transferring/processing funds. They are also a very simple service. Cost to receive micro payments (amounts less than $10.00) = $0.00 Cost to receive money in amounts great than $10.00 = $0.25 Everything else is free. If you are getting many payments under $10.00, think about convincing clients / networks to also pay in Dwolla. At least broach the issue as it could save everyone a lot of money. Stripe Stripe is also a new service that is best for subscription billing. For anyone on BHW that offers a monthly service, this is a perfect method that is gaining a lot of traction internationally and in the U.S.A. Stripe has the industry standard cost of 2.9% plus $0.30 of the transaction, however they maintain simplicity. No setup fees, no monthly fees, no card storage fees, no hidden fees. When you earn you pay. Data portability with Stripe is also great. If you choose to move to another service they will export the data for you. Basically they are the nice / simple guys. Google Checkout The Google Checkout function is relatively new and does not have the same traction as PayPal, but can nonetheless be useful. Here is a list of the transaction processing fees associated with this service: Monthly Sales Through Google Checkout Less than $3,000 = 2.9% + $0.30 $3000 to $9,999.99 = 2.5% + $0.30 $10,000 to $99,999.99 = 2.2% + $0.30 $100,000 or more = 1.9% + $0.30 An additional 1% fee is assessed on transactions where the merchant?s country is different from the buyer?s billing country. Amazon Payments The Amazon Payments function is almost identical to Google Checkout: Less than $10 = 5% + $0.05 for all transactions Less than $3,000 = 2.9% + $0.30 $3000 to $10,000 = 2.5% + $0.30 $10,000 to $100,000 = 2.2% + $0.30 $100,000 or more = 1.9% + $0.30 Braintree This service is also good for subscription based billing. It does have data portability (meaning you can move your data around if you change providers). They have a different way of billing, but high volume subscription-based merchants should definitely use Braintree for their lower percentage fees. Merchant Account: Monthly fee = $35 Monthly minimum = $75 Setup = $99 Visa/Mastercard/Discover payments Qualified = 2.29% + $0.30 Non-qualified = 2.89% + $0.30 International = 0.5% American Express = 2.89% + $0.30 Money Bookers This service is based in the U.K. and is authorized and regulated by the Financial Services Authority of the U.K. They offer a number of benefits including sending money to anyone with an email address even if the recipient does not have a Money Bookers account. Their fees are on a flat per transaction basis, where uploading fees to a Money Bookers account is free, but withdrawing funds from your account costs you. Pay Mate Pay Mate is a service found most often in Australia and New Zealand, though it is gaining ground in the USA and UK as an alternative to PayPal. There are set monthly fees for merchant accounts. In the U.S.A. the fees are as follows: Seller fees for a standard account = 3% + $0.50 per succession transaction Account application fee = $12.95 Monthly fees = $5.00 Monthly MC/Visa Compliance fee = $2.50 PCI Annual fee = $39.95 I hope this helps.