Dwolla doesn't seem to have the same regulations for Merchants, adult friendly, so it's closer to being a cash business? The video explains how it could be considered "the credit card killer."
http://help.dwolla.com/customer/port...-for-merchants
A lot of VC funding.
http://help.dwolla.com/customer/port...la-in-the-news
GoCardless.com is something similar I believe in UK and Europe.
Also VC funded,
http://techcrunch.com/2012/02/07/acc...rm-gocardless/
Apps available making it easy to pay by cell phone or other mobile device.