Free personal money transfers would avoid the complexity and cost of credit card processing. This is especially useful in the case of one-time sales, intermittent business activity, and low-tragic websites.
If you have a person's account number and routing number you should be able to send that person money.
My account number is 1376194583 and the routing number of my bank is 222371863. I have no reluctance to publish these numbers.
Your banking numbers (the ones on your check) do not enable others to withdraw money from your account.
Whenever you give somebody a check, you are giving them both of these numbers. There is no security issue.
This also increases competition and avails customers of greater choice.
I strongly advocate the universal adoption of this very useful banking policy, which is already adopted by many but not all banks. I hope that you can help bring that about.
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