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Cutting out credit/debit cards: startup Dwolla is changing only 25¢ per transaction and currently handling about $1m daily in mobile and online payments.

"Yes, compared to the average 3% + $.30 processing fee per transaction with the use of credit and debit cards and other online payment networks as a whole, we are incredibly affordable. How do we do that, you ask? We've created our own hybrid ACH network with our technology partners and investors." 

- Dwolla FAQs

(US only, iPhone app; via SAI)