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Thanks for the help.
The answer to this question depends on volume, average ticket size, type of product... I have a tiny site and use Paypal and Propay--there just aren't many reasonable choices at the bottom--while there are a huge variety at higher levels.
There are hundreds of merchant account providers (MAPs) and thousands of resellers selling them.
Usually you can get discount rates for around 2.3 / 2.4% and you can even use a blended rate to get a lower rate (around 1.95% or so) on signature debit cards.