Anyone who gives any intermediary "payment processor" an enduring authority to access funds in their banking debit account via the banks' automated clearing house (ACH) does not receive any of the protections (statutory or otherwise) that usually apply to credit card payment transactions ...

And, if Dwolla is flooded with millions of media industry micro payments, how long will Dwolla be able to carry on doing such micro payments for free?

Retail Payments—The Reality ... http://bit.ly/1nSA1Zl