==== Payment Service Features ====
  * Multiple deposits into one account with zero-cost refunds

=== Paypal Adaptive Payments ===

  * Standard fee: 2.9%+$0.30
  * Parallel payment - one depositor. total to multiple receivers, limit of 6 recipients
  * Chained payment - one depositor. total to primary receiver. primary pays 1-5 secondary recipients

  * Refunds - Possible within 60 days. PayPal Fees are credited, minus a 30 cent processing fee.

=== Dwolla ===
  * $0.25 per transfer paid by receiver unless sender elects to pay
  * Programatically create accounts? one dwolla account per group project

==== Approach ====

  * Upon project creation, collect project owner's dwolla account id, create new dwolla account
  * Charge owner $0.25dwolla+$0.25service per depositor, successful or not
  * Use $0.25service to refund money at no cost to depositor
  * If project is successful, service keeps $0.25service per depositor, transfers total to project owner

==== Similar sites ====
  * https://www.profounder.com/
  * http://www.indiegogo.com/
  * http://www.tinyangel.me 
  * WickedStart.com 
  * GroupOn "activated" deals
  * quirky.com - social product development