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My girlfriend's online business accepts bank transfers if customers can't pay online. "Go to this bank and deposit $X to account Y".

Maybe it doesn't scale too well, but at her business scale it still works for the exception cases and money is money. If you're biggest problem is too many people depositing money to your bank account, that's not a bad problem.

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http://www.polipayments.com/ seems pretty good for this.

When you go to make a payment, it logs into your bank account and does the transfer for you. So you get an instant receipt, without having to wait for the money to show up in the merchants bank account.

Apart from the obvious problem of letting third party software have full access to your bank account.

It's a breach of my bank's terms of service, so I would be responsible for fraud if I used it. No thanks.

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