Before deciding on a merchant provider, you'll need to understand what type of gateway interface you'll need. Are you planning on building your own online store (via a shopping cart), or utilize someone else's service. Different applications have different interface requirements, so you'll need to contact the merchant provider if your intended interface is supported.
Edula Web Hosting offers integrated merchant account, payment gateway service and turn-key osCommerce shopping cart solution at low monthly fee of $9.95/month. Discount rate is 2.29% with $0.30 transaction fee.
Website:
http://www.edula.com
Email:
support@edula.com