Dwolla is a sapling U.S. has chosen to offer payments to fixed costs, in an attempt to compete with PayPal. To move from ad valorem cost, they use an equivalent of the notice of levy (or SDS) via the Automated Clearing House of the Federal Reserve (Federal Reserve's Automated Clearing House). What causes a short delay and a lack of guarantee of payment. Their target is
payments on social networks but also the physical stores. An iPhone app and an android app available.
Their expansion is related to obtaining licenses to operators of payment (state by state).
They are supported by Veridian a bank and a payment processor The Members Group.
The interest of this new initiative is that unlike Tipjoy aborted tests and other on twitter, not using the credit card simplifies the monetary equation. In this system it seems close Slimpay in France, based on the approval of establishment of payment and the SDS.
Dwolla adds Person-to-Person Payments via Twitter, Facebook
http://www.pcmag.com/article2/0, 2817,2373647,00. Asp