grobe - 3:55 am on May 12, 2004 (gmt 0)

The answer to this question depends not only on the country you are in but also your payment volume. For example if you are only processing about $500 a month and have a $10/month statement fee that is equivolent to an additional 2%. If you are in the US and only processing a few hundred dollars a month look at Propay:
[propay.com...]
with a $35 annual fee, 3.5% + $.35 for each transaction