Any chance you could accept Interac E-Mail Money Transfers in the future? You should be able to accept them instantly from any big 5 bank with minimal scrutiny from the bank itself. In my experience they really don't' care -why- you use EMT's as long as you pay the fees. 
Yes, I'm hoping to, but the problem is that they are susceptible to fraud, same as any other transfer (except real cash). I've been trying to find out from my bank at what point its impossible for someone to refute a transaction.. sadly i fear the answer is "a very long time"