Credit Card Processing

Today’s Magic Wand: After several calls and a bit of researching I found United Bank Card, www.upcps.com. What I liked about them is that they use Authorize.net and I can do my processing online, no machine, and it is only $15 a month, 2.15% per transaction plus 25 cents; no set up fee. Anyone find anything better?? I don’t have a contract either so I can cancel anytime.  Plus, they only require 24 hours for set up time.