I used Paypal's Merchant Account. I was already familiar with their consumer version, and the rates are relatively in line with what you'd expect. Most importan

I used Paypal's Merchant Account. I was already familiar with their consumer version, and the rates are relatively in line with what you'd expect. Most importantly: it was easy to do, I didn't have to talk to anyone on the phone, and it took very little thinking. I decided I'd do whatever the easiest option was until I was actually making money; then I could switch to the best option. Don't optimize too early - every minute research merchant gateways is a minute not spent selling.