I haven't read every single word of this thread, so forgive me if I missed something, but who has done an assessment on how competitive the exchange rate is that Paypal etc. offers? Reducing or eliminating charges is good, but it won't help you if they clobber you with an unfavorable rate of exchange. Also, many organizations try to trick people by calling themselves "commission free", and then they nail you with the worst FX rate you've ever seen, often 15% worse than the real market rate.