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Google Wallet is BY FAR the easiest and most reliable replacement for Paypal and virtual wallet services.
You can sign up now, send money immediately and have your new debit card in your hands within just a few days.
Amex's Serve is also up there, but not quite as easy to use as Google Wallet. They fees that both Amex and Google charge are NOTHING in comparison to bring gouged by Paypal and Paxum.
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