Perhaps you should speak to your local bank for merchant options? What have you found with google?
I have talked to my bank, their minimum fee is $75/month, meaning even if you dont run any cards, you have to pay $75. I need something cheaper.
I have found
braintreepayments
bluepay
merchante-solutions
I am not sure which to go with, right now I have a virtual terminal with intuit and I am not very happy, they are charging me too much.