CCBill is a very good option, but yes ..you would have to pay the Visa/Mastercard fee. However, I have been using them now for 12 years and I have always been very satisfied with their processing. I also use
SegPay as a secondary processor, but they also charge the fee. But as someone else stated, I have always been told that it's not even the processors that charge the fee, but the credit card companies. So yeah, I don't know.