My startup is trying to solve this problem, minus the cards. FaceCash = 1.5% flat, no other fees. http://www.facecash.com http://www.facecash.com We've calcul

My startup is trying to solve this problem, minus the cards. FaceCash = 1.5% flat, no other fees. http://www.facecash.com http://www.facecash.com We've calculated the average rate of some of our merchants by adding up sales volume and fees and then dividing fees into volume. It comes out to 3.2%.