So I've been using Chase Quick Pay and wanted to know a bit more about it, especially after getting a credit card which gives you cash back every time you use it. I was originally looking to see if I could use my credit card to send money to my friend, instead of my bank account, so I get cash back, and him not be charged a fee when I use my credit card instead of my bank account, but got sidetracked by this article.

http://www.gobankingrates.com/banking/checking-accounts/does-chase-quickpay-really-live-up-to-promise/

As long as you have a Chase account, it isn't a bad way to recieve money (since at least one person has to be a Chase customer in each transaction which I read and you can't expect all your friends to have a Chase account), as long as you can wait up to a week to have it show up in your account. So if you are living paycheck to paycheck, you may want to consider a cash-is-king mentality. If not, it is a pretty easy way to transfer money and have a record of it. Not sure if it is worth getting a Chase account yet.

Paypal lets you transfer from bank account to bank account for free, fees apply if you pay with a credit card (Hence, my original question if Chase charged someone more if I paid with a cash back credit card), and then for sellers, $.30 + 2.9% of the transaction (which if you sell something at a 10% profit margin, really cuts into your profit.

https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=marketing_us/fees

I may still be a bigger fan of PayPal for now since you don't need to open a Chase account and if you have over 100 feedback, all 100% positive on eBay like me, you probably already have a PayPal account. (Admittedly, i sell more stuff on Craigslist so I don't have to pay the fee and because I can get more money out of the people on Craigslist since Craigslist doesn't have the completed listings to show what things have actually sold for.