The clearXchange website can only send to a few banks. Attached is the error that someone trying to send to my Wells Fargo bank got.
Provide details for someone you’d like to send money to. At this time, recipients must be registered customers with Bank of America, Chase or U.S. Bank. If the recipient is not eligible, we’ll let you know. More details
Sorry, at this time, this recipient’s bank does not enable it’s customers to receive person-to-person payments from the clearXchange service. You can add a different recipient or select Cancel to return to the prior screen.
Perhaps the sellers bank can be added to the clearXchange account so that incompatibilities can be filtered out automatically. For the time being, I have just been trading with people that I know will not use the clearXchange website.