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There are only so many ways to move money around. Of these ways, the least expensive have the biggest time lag and generally are the least reliable.
Credit/debit cards -- instant money but boy can the chargebacks get crazy.
Wire/EFT -- move money over nite to basically anywhere, pay for it and hope you're moving enough that its worth the cost.
ACH/checks -- two ways of processing a nearly same transaction. For instance on ACH if I allow Paypal to initiate a transfer and then a day later before B of A hands them the money I call up B of A and say forget it, guess what? That money stays in my account. I can write a check without the funds to cover it by the time it comes in to settle, even if it's good at the moment that I write it. I suppose it's possible to use a guaranty service like Telecheck to cover checks online but that's got to get expensive for someone.
Paypal/ePassporte/any other ones that might possibly be trustworthy -- minor issues with funding and withdrawing funds, doesn't have nearly so great an acceptability with real merchants yet... however the money does move around instantly and in most cases once you have it it's yours.
Cash in the mail -- cant beat it but the impulse doesnt usually last as long as it takes to do it lol ;)
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