Interestingly, I was thinking about this today, and.... Disclaimer: I am not a/your lawyer But in my n00bish opinion, Ebay/Paypal's formalized collusion seems rife for an atitrust tester suit. 1) They've completely excluded an entire genre of small (but rapidly growing) payment transfer methods, 2) they're acting in an obviously anti-competitive fashion by doing so, and 3) their "agreement" (ie: Ebay now owns Paypal) makes up a disproportionately large share of even the broadest market of "online auction goods transactions" (in all fairness, I haven't run the HHI numbers, so I can't really give more of an assessment of this than to say that it seems "disproportionate". Lawyers less lazy than myself (I AM NOT A LAWYER) might be inclined to do so and I'd be curious to see the results). EDIT: Looking at Brianpore's list some more, I guess it turns on whether Dwolla and its ilk qualifies as a "bank to bank transfer" or an "online service" or not. From how I gather their system works, it sounds like it might, and might be allowed by Ebay's policies. Whether that's true or not, I have no clue...and whether that helps or not, I further have no clue.