I am very interested in the payment methods available and I have written about Dwolla before. It seems to be getting some traction. Although obviously the giant PayPal is making huge progress with the introduction of mobile payments, to compete with Square, Dwolla tries to build on the weaknesses of the current system. Dwolla transactions under $10 are free and anything over $10 is only $.025. Dwolla is able to accomplish this by eliminating steps in the process and eliminating the credit card and going straight to your bank account. Sort of like an online debit card without the need to enter any 16-digit credit card number.