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I use Fethard for 2 sponsors. It's pretty useless to me really except that I can buy content from other users who cannot use other payment methods due to their geographic locations. So, if you have a way to use the moneies inside the fethard account I would recommend it. Fethard to Fethard money transfers are free, and I don't recall any monthly fees. Their methods for authenticating tranfers is a bit strange(goes to show some old Soviet paranoia still exsists), but once you get it down, you shouldn't have any problems. Their online support also speaks english and has been able to help me in the past with an issue in a timely manner.
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