You don't need cash to buy a box of Girl Scouts' Thin Mints from David Cale, CEO of Financial Plus Credit Union.

That's because Cale will collect the $3.50 per box that buyers owe his daughter via a person-to-person payments tool that lets members of the $68 million Financial Plus in Des Moines, Iowa, transfer dollars into a seller's account pretty much instantly.

The version Cale is using is via Iowa-based Dwolla, one of many P2P providers. He said the plus is that transactions beneath $10 incur no fees from the company. Rather, the $3.50 Cale gets goes directly to the Girl Scouts.

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