You know that I started using them in the past few weeks as the main biller for my downloadable clips site at
http://JimGunn.com. There is no Visa or MC fee, a 4.9% rate, no per transaction fee. I believe there is a two week delayed payment on accumulated funds if I recall correctly. I do not think that they do tangible goods however. Their wire transfer fee is $10, checks are $30. I made my minimal payment amount $300, so I am expecting my first payout soon.