Dwolla is an Iowa-based payment network that gets rid of a lot of credit card pain points. In fact, the network doesn't use credit cards at all -- it links right to users' bank accounts and makes sending money as simple as selecting a friend on Facebook.
Every transaction costs $.25 no matter how large, making Dwolla one of the cheapest way to send cash. Transactions under $10 are free.
Dwolla's is undercutting credit card fees and even PayPal. Now, the startup is launching a direct attack against ATMs.
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