Nick Hanoian

I like to frame decisions like this in terms of opportunity cost. You can start by thinking about what you'd be doing with your time if you hired an employee. If the new employee would write all your copy or find photos for all your posts, what high value thing would you be doing more of? You just want to make sure that if you're adding a significant expense, you understand what the return on...

I'd check out Stripe and Dwolla. You may want to set up virtual cash cards for your users as digital wallets. Wires often cost much more than simple ACH transfers though.