TGF -- you gotta quit asking me for things on Friday afternoon, I dont control the process, and by the time I relay the requests it's too late to get someone to clear it --
As for the fees being too high, well let's see.
You pay as a consumer to use a Visa or Mastercard, you pay as a merchant to accept a Visa or Mastercard.
The costs of doing business are simply what they are. When someone takes on the risk of the transaction for you, and relieves you of a huge part of the fraud and chargeback ratio allowances, AND does it in a manner that doesn't kill your wallet, it is up to you as to whether or not you want to use it.
I'm not going to make you, I'm not even going to tell you that you have to, and I'm not even going to strongly suggest you do.
I'm just going to sit back and watch what happens with all the new MC and Visa stuff, after I've watched Paypal pull out, and then we'll see who's watching what
