think outside the box and use Nochex -
www.nochex.com for UK traffic at 2.6% + 20p per trans its a bargin. Also you will NEVER have a chargeback......
[email protected]
If you have volume I can get you EU Processing for 7% plus a trans fee - mail me
[email protected] if you wish to discuss that :-)
Good luck - out of what you have mentioned I would look for an EU processor over a US one looking at the new laws.