In Germany and Finland direct bank transfers are a usable option. They have no fees for the buyer and very low fees for the seller (as a business account holder

In Germany and Finland direct bank transfers are a usable option. They have no fees for the buyer and very low fees for the seller (as a business account holder at an average German bank, you pay 45 cents per transaction regardless of size to receive payments). In Finland, depending on the bank, you don't even have to pay that. This is similar for all eurozone countries. In the UK there are a multitude of local payment providers as well. The real issue is cross-currency, cross-continent payments. There is no simple solution for selling to US customers paying in dollars if the seller is in the EU. The only serious player in that field is paypal.