jwolthuis - 12:23 am on Aug 20, 2010 (gmt 0)

You are a PCI Tier 4 merchant in Visa's eyes. Annual Self-Assesment Questionaires are optional, not required. Compliance validation requirements are set by your acquirer, but should not approach those costs.

Find a different acquirer, or verify that you were quoted fees for a Tier 4 merchant. Should be an hour's worth of paperwork, tops.