I have been using Itrasact for a little over a year now. It's simple to use and works with my online shopping cart as well as I can run credit cards on-line and over the phone. You can sign up with no monthly fee and its a little less then pay-pal and the money shows up in you bank account daily. They also offer a free shopping cart program called redi-cart.
Now I get deposits via credit card for shoots to hold dates and even charge back the client the 3% for processing in some instances.
Click on the Itransact link if you want to sign up and tell them I sent you.

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