Based on the discussion the other day, the best payment system that works for my office is the bank payment system. It is safer because payments is directed in the bank so you have control over the money. Meaning, payments are directly deposited in the seller's account. We can minimize fraud. And the fee is affordable. The bank is an institution that have created credibility over the years. So if its money matters, go for the one you can trust.

The disadvantage I see in here is, its the bank's working hours. So transactions are only accepted within the banking hours.