In reply to Philip Cohen.

1.9%? You obviously don't have a small business and really don't know what you are talking about.
I would have to process about $50,000 a month to get close to that rate. Then there are the extra fees for processing affinity cards that give cash back. Then there are the account fees and account insurance fees and sometimes compliance fees. Let's also mention the required merchant account and it's monthly fees. I don't need a merchant account to process thru Paypal.
Please, tell me who gives credit card processing services for 1.9%