[bcl]

Just use PayPal. I've been using them for years with zero problems. Their fees work out to be about the same as I'd pay for a merchant account, but without all the development hassle. There is also a new player on the block, http://www.gunpal.com, which I'm looking to add as an option just on principle -- they don't discriminate based on what you are selling or buying like PayPal does.

[seanharper]

Paypal has a pretty high per-item fee of 0.30 / transaction and a reasonably low (and fixed!!) percentage fee of 2.2%-2.9%.

Therefore, if you have an abnormally large average transactions size OR get paid mostly by other businesses, with their business cards OR have an abnormally large share of amex transactions, paypal will be more appealing from a cost perspective than it otherwise would be.

At TransFS.com we include them in the auction results because the answer of how paypal compares in price is actually different depending on your situation.

[billswift]

According to this site, http://www.merchantaccountblog.com/1027/a-comparison-of-3-al... , which was linked from the original article, the Google and Amazon payment systems have the same fees as PayPal.

[checkvantage]

CheckVantage offers a cost effective solution for electronic checks.

[bcl]

That's true. My transactions aren't small ($250+) so the per-transaction fee isn't a huge part of the cost.