You should try www.graphcard.com
rate is lower than 2checkout
5.4% plus $0.44 cent per transaction
You get 2 merchant accounts in one.
-one to process visa, mastercard, discover, amex etc
-the other to process prepaid payments from 1/3 of internet users without access to credit cards.
I use both paypal and graphcard.
If you are serious about doing business online, you need graphcard merchant account. They even help you with the set up scripts and stuff.
Just my opinion.