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They are a bit pricy, but with an account you can also manually process transactions. I've had a few design clients where this has come in handy!
I would stay away from Paysystems (Montreal). I was using their 3rd party processor version (my#*$!) until they suddenly stopped their services with no warning. Many people, including me, lost money that had been processed by them.
The only thing I really don't like is the pay out times (twice a month), which has about a 3-4 day delay. At least they can deposit funds automatically in your account.
Overall they are a little more expensive, it takes a little more time to get your funds -- but they have great support and are extremely reliable.