I'm from Singapore, I've never been to the US and I've lived in the UK for 6 years previously. Remember we're talking about accepting payments here, not openin

I'm from Singapore, I've never been to the US and I've lived in the UK for 6 years previously. Remember we're talking about accepting payments here, not opening a bank account. And if free online transfers are so viable for this, why do hardly any UK online merchants accept it as a form of payment and almost all accept the usual credit cards and Paypal? My guess: fraud /risk management and scale.