Just as an update, I am expirementing with Dwolla. They are an ACH direct bank transfer service and the entire fee structure is 25 cents to receive anything over $10. Any amount under $10 is free. That's it!
The only hard part is convincing people to sign up and pay this way. It is totally secure in the sense that nobody has to give me their credit card over the phone, or use my sketchy website or what have you. In other words, it works really well for everybody signed up to the service. If you go to "send" money to someone and begin typing their email, it automatically starts finding matching people in the system to send to.
I think it has a lot of promise, and connecting a service to your bank shouldn't be that scary, since people use many services that do this anyway, like Mint or Quickbooks or any other finance tool. Even Paypal and other services connect to your bank for transfers, so there is nothing all that scary about it really.
I also use Nutcache for some business stuff, and they just recently announced integration with Stripe! So now with Nutcache and stripe I can still send out invoices and get paid with credit cards (with blasted fees), but if my clients choose Dwolla, I pay just 25 cents to receive any amount.
Those are two options I thought I'd share.