I have a brick and mortar store as well, and have used Orbis Payment Services for a few years now. Don't have the numbers handy, but I find them to be very fair and never experienced any hidden fees. But the main thing...their customer service is some of the best I've ever had (in all types of business). They have bent over backwards for me in many ways, going way beyond what they needed to do. They are also an reseller of Authorize.net, so that's who I use as my gateway.
Let me know if anyone is interested in them, I can give you a contact name/number via PM.
http://www.orbisps.com/index.html