We've been with Elavon (formerly Nova) for years, and have been quite happy with them. Before I went with them, I'd been forced to obtain a merchant account that was affiliated with my previous shopping cart provider and they were terrible--monthly minimums, hardly any support, plus the nickel and diming you'd mentioned. We don't have a minimum with Elavon, but I also didn't sign up for them through Costco; I found a small local company that represents Elavon services and they've been absolutely fantastic. You might find some better deals for Elavon through a broker or rep closer to you. We currently do not use their payment gateway and process all of our orders manually through our electronic terminal, but once we get our 3DCart stores set up, I think we'll be trying out the real-time authorization/processing using their payment gateway and online terminal.
Hope that helps.
