Hi Dan - If you are looking for alternative ways to accept money from clients without processing fees or service charges, payments.io is a good solution. It is a secure way to receive money from your clients. There is no charge/fee for the recipient and signing up is very easy. We signed up a few months ago & it's been very smooth for our Accounts Receivable Department. Our points of contact at payments.io are Matt Creel (matt.creel@paymints.io) and Jason Campbell (jason.campbell@paymints.io). I would recommend reaching out to them. Good luck.

 -Erich W.