Doug,

I use Nova Financial Services to process my credit cards. They have a great deal where you pay only a fee on each transaction, no monthly "service fees" or anything. The biggest expense I had with them is the credit card processing machine, that was $500, but they will spread out payments over time for you with no interest. Fees are "normal" about 2.8% of the sale plus $0.30 per transaction. 1-800-725-1243

Oh, and I second your "No Paypal" rule. While I DO accept paypal, it's a big PITA in terms of options, and of course, Paypal is NOT A BANK so you have little or no protection.

Best luck,

marty