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F00b4r

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With small payouts, a significant percentage of the payments will be taken by the middlemen.

With large payouts, people will have to wait a long while before the first payment, and may end up believing its a scam.

If you dont mind can you describe what you are doing?

It sounds like you are looking for something like Obopay [where you can send money to their bank account if they give routing information].

I would check with your bank. IIRC Bank of America provides this service.