You may want to set up a quick webpage that sells something and accepts Paypal (2Checkout), then have a friend buy it (From another computer in another location, of course), that would be one way, it will cost you about 3% (Paypal fee)
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The 3 Keys to Success are:,,,,Research, Research, and More Research,,,,,
Are you repeating yourself? slapped made a good point - you do a trial charge - see how the process gets money to your bank with whatever fee is involved.