looking for a good US merchant account/credit card processing deal

[Steve Hsieh]

Hi,   Can anyone suggest a good merchant account/credit card processing gateway? It seems that authorizenet is a pretty popular gateway on this list.   I saw one place that had a 2.15% discount rate + 30 cent fee (AVS included), $20 monthly minimum and $10/month statement fee, but then they charge $495 as a one time fee for authorizenet "software" and a $15/month gateway fee.   Are there better deals than that?  Any places that don't charge onetime setup fees?   My concern right now is primarily regarding refund policies. It's still not clear if it is possible to enforce a no-refund policy with any bank, or if as a merchant, we are required to provide a refund within 30 days (i'm not talking about chargebacks) no matter what our site says.   I don't need any kind of shopping card or stuff - I'm quite capable of dealing with the realtime authorization coding myself.   Thanks for any leads.