I have been using it since beginning of last year. My clients pay using Dwolla so I keep more of what is due me lol - was losing quite a bit with paypal fees and now just the quarter a transaction. It takes anywhere froma day to three for the payment - just like paypal - faster if you keep a balance - I do not.
I have about 15 clients that use it regular now, switching from paypal. They are all American and available for chat - @dwolla and @dwollax on Twitter or visit www.dwolla.com
. I learned of them through a client's article - they are backed by American banks - not individuals or others overseas. And I am a brat so American is all I want.
They started in one state and just grew and blew up to all over the country.
The only complaint I have heard is that my clients don't like to give their bank information after the concerns they have had with paypal (charges and charge back fees etc) - but they are slowly coming around, and they do not - or did not (this may have changed but I dont accept credit cards so not sure) accept credit cards.
Lastly, the only other obstacle is that because it is insured as a bank would be - you cannot use it unless you sign up with your bank info and the person on the other side of the transaction must also be a member.
My client fred minnick wrote a few articles on them and if you google him you may see some of them. I was looking for his first that grabbed my attention but at the moment I can't find it but will continue to search and post when found.
Do you know I have a "Book Of Slights" in my head? Everyone who has ever slighted me is in there. It's a BIG book...but payback is a bitch.