Ask YC: Online Payment Solutions
Hi Guys, I am in the planning/feasibility stages of a startup; 
One of my stumbling blocks is managing online payments.<p>Specifically, i am creating a community where users exchange goods, and the money accrues to their account on our site. They can add money to their online account via credit card, and later, they can transfer their money to out of our site to their bank account.<p>So, in essence, they will have a 'virtual account' on our site, and they can add to this account and withdraw money to their real bank accounts.<p>My question is if anyone has any suggestions on how to handle this kind of payment system?
I have researched PayPal and a few similar services. The transfer fees seem expensive, and I estimate that these fees will quickly rise to cut the margins with the many small transfers expected (&#60;US$15).