I have looked at this problem long and hard. Most of the accounts have a $15-$20 monthly fee PLUS a $20 monthly minimum (which means if they don't get $20 in FEES from you, then you will owe the rest - so if you accumulate $10 in fees you will have to pay the other $10). Considering the fact that I really only need the service for shows, and the geckos that I'm selling aren't terribly expensive, I kept coming to the conclusion that it doesn't make sense.

Then, I got an email from UPS (I have a UPS account to ship my geckos). They offer a deal through Chase Paymentech where there are no monthly minimums and no monthly fees - there was a $100 one time set-up fee (which is worth it already if you get one or two sales that you would otherwise not have made). The percentage that they take out is higher (3.5%) but another option included a 2.5% rate with a $3 monthly fee and no minimum - even better if you have just a bit more usage than I anticipate at this point. I tried it out at the Super Show and it seems to have worked well - the money made it to my account! It is all done over the phone. It takes a while (especially while I'm learning) but it's pretty cool!

I also found some deals using virtual terminals, but the problem there is that you can't get internet access at all of the shows - or at least I can't.

If anyone is interested, PM me and I can give you my contact's info. You do have to be a UPS customer to get the rate that I got (something about two giant companies working together to benefit very small businesses), but he might still be able to find you something workable even if you aren't with UPS.

Good luck with your search!