Yahoo! Paydirect does not charge any fees. and you get a $1000 spending limit once you verify your mailing address. ($100 initially) Its free for sellers just like Exchangepath but faster. E-P auction payments take about 2-3 biz days to get into your account. You can withdraw money in your Paydirect account directly to your bank account or credit card. I haven't had any probs with it, unlike Paypal.