I looked into lots of solutions but opted for Paypal in the end. Their fees are most reasonable and there is no upfront payment required. I did technically have my account frozen as I had reached their designated limit for receiving money but I was still able to send & receive money and then received an e-mail saying that the limit had been lifted so it didn’t cause me any inconvenience. I would recommend them. Their customer service also works well as you get a personal contact who keeps in touch with you throught the setup process.