Kevin,
Those fees for CardService International DO look high! After many, many hours of researching merchant accounts online, I'm convinced that
Practice Pay Solutions is the best deal - if you want a merchant account solution. Yes, it does have some monthly fees, but they are significantly less than others I've seen - AND I've seen nothing but positive feedback about them. (Also, I have a friend who just started using them and is very pleased with their service.)
Propay (which Mary gave the link for) is certainly another option. Their monthly transaction limits might be a little low if you're really hoping to make a living from your business, but for just starting out, they look pretty good. If you start to have monthly transactions over $1500, I think it would actually be cheaper to go with Practice Pay Solutions.
FWIW, I would go with Propay over Paypal any day. It looks like people do NOT need to be a Propay member to pay with a credit card. A definite plus in my book!
My $.02 as I continue to be depressed at how long my website is taking to build...
Jeanie