Psychologically, the extra stip tells the seller "hey, your property is vulnerable; sell it for a good price to unload it."

Telling a child their father has died or a daughter that her father has passed and we won't be taking him to the hospital because I had pronounced him dead at the scene QUICKLY makes you learn that ripping off a bandaid and quickly exposing yourself as vulnerable WORKS.

.- clearXchange initiated via clearxchange.com, or Popmoney initiatd via popmoney.com using recipient's email or phone number: I have not read the terms of service, but I would assume that this essentially initiates an ACH debit on the sender's bank account, leaving the landlord vulnerable to relatively easy reversals.

People in those situations are vulnerable. 

And the big data space is even more vulnerable because most of these companies dont make any money.  

Then I'm vulnerable to lawsuits.

@Mehdi Khachani the biggest issue is security as your site would need SSL and even then having another payment site run within an iframe on your site isn't secure as iframes are vulnerable.  

He did not think I was vulnerable enough.

Please help, unsure what I can do or who else to try without paying an arm and a leg or leaving myself vulnerable for years to come? 

• Going straight to step #3 means I’m putting a lot of trust in the family friend and will be more vulnerable given my lack of experience.