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Costco has very cheap rates, not sure how good they are as far as integrating with web services. ~$50 a year for the Costco membership, then 1.99% + $0.27 per transaction plus a $20 minimum monthly charge.

http://www.novainfo.com/costco/index.asp

Google Checkout has rates of 2% + $.2 per transaction with no extra/hidden fees.

The rates start in 2008. It's free 'till the end of the year.

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