This guy is making a system to kill the credit card companies! No more percentage based transactions (Paypal), just .25 a transaction, no matter how much it is.
http://www.thefiscaltimes.com/Articles/2011/11/11/The-28-Year-Old-Out-to-Kill-Credit-Cards-and-PayPal.aspx
https://www.dwolla.com/default.aspx