For B2B use;

Single Euro Payments Area (SEPA) (EU)
Automated Clearing House (ACH) (USA)

Through your bank if you will do some volume.

These solutions requires that you be a business entity in the Bank's country of operations.

They are very inexpensive solutions but you need to do the processing functions yourself.

For example; My US Bank charges $.22 (no %) an ACH (debit or credit from/to the other USA acct) SEPA is a bit more ...

We have gone as far as to issue out own internal ATM Cards "The XLC Card" to pay our models securely. We have 6,000 + models on the payroll bi-monthly and many are paid on The XLC Card -- ATM .