If you don't use PayPal, how do you receive payment from
customers who don't have credit cards?
If a customer doesn't have a credit card or a debit card that your payment gateway accepts, you deal with them the same way you deal with customers who don't have computers.
In the western world, people without credit or debit cards are such a small portion of the population that this policy of ignoring such users is worthwhile. In developing countries however, there are many services that aim to bridge this gap. I dont know how good they are, or how successful they will be, but people are certainly trying to access this market.
Actually, as a student in Germany, most of people I know don't have or want a credit card (which is a major annoyance with Google Checkout, since they accept _only_ credit card payment). That's - depending on your product of course - not that small a market. I would argue that this is the case in other countries, too.
My girlfriend's online business accepts bank transfers if customers can't pay online. "Go to this bank and deposit $X to account Y".
Maybe it doesn't scale too well, but at her business scale it still works for the exception cases and money is money. If you're biggest problem is too many people depositing money to your bank account, that's not a bad problem.
When you go to make a payment, it logs into your bank account and does the transfer for you. So you get an instant receipt, without having to wait for the money to show up in the merchants bank account.
We have a staggering number of customer who pay us through PayPal because they don't have a credit card or a debit card which clears through Mastercard/Visa (which is the standard in most countries).
