I agree with Ted S. "i've yet to see a commission only seamless merchant provider [that i'd actually trust]. Square should be the catalyst to make it happen but there are some expenses unique to web processing that have kept most of the reputable providers charging flat fees". While I understand wanting to forgo any extra costs with start up fees and low monthly rates, we are talking about credit card processing and accepting money online. I personally would pay a little extra to use a company that I could trust. I know that Paypal is great as it 2checkout- if by chance you are running a high risk merchant account like a collection agency does, then check out Zeno Tools Paypal won't touch high risk- nor do most banks when setting up merchant accounts.