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Ebay may be the reason Amz doesn't use PayPal, but it's not the reason it doesn't use virtual money. Any way you go if you use PayPal to get paid, you will pay. That's precisely why a virtual-money system would bring the IRS down on them. There would be no paper checks for anyone if we were paid through Amazon Payments. Given Australia is one of the world's most prolific ebook buying countries, you would imagine they could figure this out.{/INSERTKEYS}{/PARAGRAPH} The guys at KDP wouldn't know where you live! I am not saying everyone should choose paypal, but like lulu they could offer that option. Just think of the thousands of authors it could drive to use that system instead of PayPal if it were willing to go that route! The fixed fee is 0. It's even a neat way to invoice people for small sums of money. I have often wondered how they do it, but thanks LULU for that. It continues to go down from there. I plump it up when I am traveling, because I also use PayPal as my ATM bank. I would probably get nervous if most of my cash flow was passing through that account, but for my purposes, it works well. So for the relatively small amount of credit card transactions I have, it works well. I imagine and organisation as large as Amazon could also use an Australian based service to pay me. Not rocket science, and very simple in the 21st century - but above all else, it would show respect to the businesses customers. {PARAGRAPH}{INSERTKEYS}I believe that goes down slightly for a larger purchase. And it's a neat way to pay people money--my cover artist, for example. I think there is a minimum fee, so I might possibly have the same account you do, and it would show up more on a small purchase. You cannot accept payments with a button or invoicing unless you have a merchants account. I have kept a large balance in my checking account since interest rates went down to zero; I don't want to expose it to ATM theft. When Google pay me, they do so from an Australian based agent so that there are no bank fees and no delays. Lulu payments arrive to me without any deduction from paypal. I don't mind their fees, because PayPal like Amazon Marketplace, where I also sell books will sell Media Mail postage online. Generally, if you are going to give unsolicited advice to a business genius, it's best to get his name right, and to spell it correctly. They make a transfer each month to their Australian subsidiary, who then make the EFT payments to each Australian based individual. As for those who argue that an ITIN ought to excuse them from paper checks--hey! I actually get some of that back, because I use the debit card to make purchases. When Lulu pays me, there is no fee of any kind. Every time money goes into that account. I imagine Amazon could do this in all major markets where they have authors. For international sales, there is the 1. Unlike Hitch, I try to keep my PayPal balance under a couple hundred dollars, because I have heard these stories of accounts being frozen mysteriously. You can't do that with the US Postal Service, the oafs!