Here in Spain most brick and mortar banks will give you a merchant account with a Redsys payment gateway(national standard). A standard merchant account will p

Here in Spain most brick and mortar banks will give you a merchant account with a Redsys payment gateway(national standard). A standard merchant account will process cards for a ~0.90% fee. The account fixed costs are around 25€ per month. It has basic operations such as authorization, capture, refund and safe vault storage(for recurring payments) With enough volume(>5000€) you can talk to the bank manager for a tighter fee structure and no monthly fee. For instance 0.6% fee + 0.10€ per transaction and no monthly fixed costs.