Thanks for your comments guys!
My signups are currently 14.95 euros (arround USD 20) thats not far from 15% Heheh, i dont process much so i wouldnt probably get a deal with ccbill, ill stay with billingfrance for now i guess...
I just found a local processing company (Montreal) I might give them a try since we are in the same city, its
http://www.myvirtualcard.com anyone heard about them ?