i have had good luck with pay pal.. i have used it for quite a few transactions, and had good success. and i have received funds using the system too. It is set up to prefer a bank account as a source of the funds rather than a credit card, but a card can work too. Be sure to be careful as occasionally there are scam messages masquerading as being from Pay Pal, City Bank and others requesting you to "re-open" your account by inserting info such as social security numbers, etc. NOT!! The scam messages are quite obvious--do not get fooled by them!