Hi there. We use Worldpay. Just a note - they ARE flexible on their rates after you have been with them a while. We reduced ours to 3.3% with just one phone cal

Hi there. We use Worldpay. Just a note - they ARE flexible on their rates after you have been with them a while. We reduced ours to 3.3% with just one phone call, so it might be worth you giving that a go