Don't know if this is the right place for such questions but anyway. When we do Wire Transfers how much usually would this cost, are all wire transfers done through SWIFT? When i receive wire transfers on regular basis, does i have an option for the clients to include a reference number i give them? How long usually a wire transfer proccessed? EFT, Stands for Electronic Funds Transfer, what other type of payments fall under this category? Direct Deposit, sort of an EFT? that is proccessed by the ACH (which is funded by the Federal Bank?), what other type of ACH transfers there are? How do i initiate a Direct Deposit, how much does it cost and what banks support it. In this case do i have a reference number as well? Can i do Direct Deposit to International Banks? When i want to process regular bills on my clients, does it called direct deposits through ACH or just ACH? How do i do recurring payments from my clients? Credit Card payments from clients, what service is the most reputed online to charge credit cards, or should i use PayPal for that? What you think about companies who offer such services, can you recommend any? such as http://www.smartpaymentsolutions.com or http://allianceach.com/ Thanks.