ACH bank to bank if the transaction is in the USA between banks in the Federal Reserve Bank system. ACH takes 24-48 hrs to post and be credited -- costs near nothing.
You can use one of the adult billers and pay through the nose.
Dwolla.com
https://developers.dwolla.com/
dwolla has a deal now with a USA bank for real time ACH -- trick is only in the USA ...
Of course, you can make 50%+35% (model supplying her own customers) using our platform and financing and avoid all this bullshit then concentrate on what you do best -- selling cam shows.