Stock Trading and Other Things

How can I accept a few credit card payments per month for a reasonable cost besides using Paypal?

I sell Visa gift cards online, and occasionally someone wants to pay via credit card. But, I haven't had luck finding a decent payment processor: Paypal's fees are too high (about 5%) and they have too many restrictions. GoogleCheckout would be perfect except they don't allow you to sell gift cards. Bidpay is only for auction items. StormPay has gotten a bad reputation so I don't trust them.

Does anyone know of other payment processors that won't require me to pay any monthly or setup fees but has a reasonable rate for me to accept credit card payments?

Thanks in advance.
girlwhoknowsitstrue: Thank you, but I prefer dealing with a larger company than the one you mentioned.
harish: Please read my question carefully before answering. Your response does not address my question at all.

Public Comments

1. Try someone like merchantaccount.net - I think they charge 1.61% to handle your credit card payments.

2. Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html

3. If I am not mistaken, there is a limit to the number of transactions you can do with Paypal. This company on the other hand offers all this and more:-

A credit card merchant account for immediate transaction processing.
Secure, encrypted, SSL (Secure Socket Layer) for secure transactions.
Online payment processing software allows you to instantly accept credit card payments in real-time over the Internet.
A Web-based terminal for easy processing of credit card orders manually.
Accept all Major Credit Cards including Visa, MasterCard, American Express, and Discover.
All funds are promptly wired into the checking account of your choice.
Convenient online reporting and management of your transactions.
No Application Fee.
No Setup Fee.
No Paperwork. Your application is quickly completed online.
FREE American Express Setup
FREE ecommerce shopping cart for your web site
FREE Search engine submission - we submit your web site to all of the major search engines.

The URL is:-
http://www.smartecredit.com/accept_credit_card.php