[sporkmonger]

Fair enough. That said, I know of small businesses that are charged vastly larger %s going through a merchant account, etc (like nearly double what Square/Stripe charge) so I don't think the rate is entirely unfair. I'd rather aim for a median rate than 'lowest possible' for a table like this, but I haven't seen anybody post average rates that are anything but estimates and I am reluctant to publish a number in a table like that that I'd just pulled out of thin air. I believe median card-not-present rate is ~2.5%, but that's a thin air number.

[saurik]

The issue at hand is that you've pulled a ludicrous flat overhead fee for the low-end numbers, leading to a 33% charge... even normal un-negotiated merchant accounts are usually not that expensive (the percentage gets higher, but the fixed fees are normally lower). PayPal (which as far as I know anyone could get) is 5%+$0.05, which works out to 10% on the $1 charge.