[shoo]

What option is cheapest will depend on volume of transaction value you expect to process. May also depend on how risky the transfers are.

For very low transaction volume your costs to set up the integration in first place may dominate the total cost, not the per transaction fee.

If you have high transaction volume you could shop around different payment providers for customised quotes.

For sufficiently high transaction volume it might be cheaper for your business to internalise some or all of the work to process the payments, but at that point you would need to be setting up systems to solve many of the problems that payment processors deal with.

[apelin]

We are hoping to cut costs at the beginning where we can, before we reach high volumes. Dwolla is has interesting offers, but they have long due diligence / onboarding and approval process (30-60 days) and will lock you into a 2-3 year contract.