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Does anyone have a suggestion for a credit card processor?

For a small retailer credit card fees can really eat into the profit, especially on small sales.

We are currently having to upgrade our credit card processing machine. As long as I was at it I looked into different Credit card processing services.

What a nightmare. It's almost impossible to get rate information from these people. They want you to sign up first...then tell you the rates.

There are 6 kinds of cards all with their own rate.

Regulated Debit*
Non-regulated Debit*

On a sample statement one sent me the rates are


Plus a transaction fee of


However they gave me rates for my account only for the

Qualified at 1.86% and $.20
Mid-Qualified at 2.66% and $.30
Non-Qualified at 3.36% and $.30

*I thought they had dropped the discount rate on debit cards. I think I understand about the regulated vs non-regulated debit.
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