---- continued from part I ----

So, instead, I am now using Yahoo's PayDirect: 
http://paydirect.yahoo.com

At least for awhile, it does say on the sign up 
page:
There is no fee for creating and using your 
Yahoo! PayDirect account. In the future, 
transaction fees may apply, but you will be 
notified before they are put into effect. 

Yup, just like PayPal. But at least it's free for 
now.

There is a "spending limit" like on PayPal, but 
it recharges every month instead of every 6 
months.

More info:
At the time you set up your Yahoo! PayDirect 
account, you will be limited to funding your 
account with no more than $200.00 until you 
verify that you can receive U.S. mail at the 
billing address for your credit or ATM check 
card. On the day you register for Yahoo! 
PayDirect, we will send a letter to your billing 
address that includes a code that you can enter 
by clicking the "Mailing address verification" 
link on the "View Limits" page. 
Once you have confirmed your mailing address with 
this code, your funding limit will be raised to 
the lesser of $1,000.00 over any 30 day period or 
your credit card limit. 

Your total Yahoo! PayDirect account balance limit 
and single transaction withdrawal limit is 
$10,000. Total withdrawals over the prior 180 
days are also limited to $10,000. Please see the 
Yahoo! PayDirect Terms of Service for more 
details. 

The limit policies on PayDirect account may 
change over time. 


just FYI
misa