So I tried Dwolla last week to pay somebody back for some concert tickets and it was not a good experience. I, naively I suppose, thought that maybe Dwolla had come up with some clever new workflow for on-boarding people you wanted to send money to. Alas, I got a few angry texts from the person complaining about having had to input their social security and bank account numbers and, after feeling uncomfortable about having done that, not knowing how to cancel their account. The transaction did eventually go through after I convinced them to be patient, but it's not a rousing endorsement of the platform.<p>I echo some of the other concerns in this thread that there just may not be an easy way to transfer money to people given all the security concerns. I still far and away would prefer to have my bank send a physical check to somebody I owe money too because at least that doesn't require them divulge sensitive information to an entity they don't know.