Also, How hard it is to get permanent living permission in Australia?
Fairly difficult and you need to the determination to do it. For many visa classes, you need to undergo a skills assessment (work experience/certificates/etc), English testing. I would strongly suggest carefully reading the Aussie immigration website at
Department of Immigration and Citizenship for the fuller details.
There should be no restrictions with Neteller/Moneybookers in this country, I think.