SteveO - I think the instant cash fee is only 8.9%. Still big, but I don't believe that it is 20%. I'll verify and post it.

On the subject of Neteller, I too have had no problems with them whatsoever. No fees at all if you are willing to wait a couple of days for things to clear for both deposits and withdrawals.

UPDATE: I double-checked with Neteller and the InstaCash fee is in fact 8.9%. Still kinda hefty but not ridiculous. It is a nice option to have if you don't want to go the fee-free route of waiting a couple of days.