How do you process credit cards?

We are going to be processing credit cards for our customers who pay us a monthly fee to be listed on our site. They pay a few $K per month, and the volume of subscribers is pretty low < 10 right now. I just talked to Bank of America and they want to charge us $250 setup fee + $30/mo for Cybersource+Bank of America online merchant account. On top of that is 2.12% for MC/Visa and 3.35% for AMEX/rewards cards.

Has anyone found any other decent options to process cards online?