Does anyone know a service like Escrow but without the $18 charge for every payment received? I want to offer cheap prices but can't if Escrow takes $18 from every payment I receive....

escrow.com is used if you sell a nice an expensive product, to accept payment for small ticket items, you migjht as well use paypal!

I don't have a credit card, I have a bank account though....

Any other suggestions?