Thank you, Ted, for saying exactly what I was thinking.
We have a special agreement with Durango and they process all of our Store Coach members transactions for very good rates - usually in the 2.25-2.5% range (PayPal Standard is at 5%). You may very well be paying less in transaction fees using someone like Durango because PayPal's fees are so high. Also, through our exclusive arrangement, Durango lets all of our people set up as many websites as they want under their one parent account, meaning they only have to pay one gateway fee per month - even if they have ten websites.
Even if you only have one website and you aren't making a ton at the beginning, surely it is worth paying an extra $25 per month in order to double or triple your sales. If it isn't, why are you wasting your time building the website? Unless you have built a website that has an average profit per order of only a few dollars, just one extra sale per month will pay for the real processor (we teach people not to waste their time if they don't make AT LEAST $20-$25 profit per order, incidentally).