I use paypal online invoicing the most and do in person card swipe with the card reader. I would actually like Apple to have their own and hopefully be cheaper. Paypal just went up to 2.9% (was 2.7%) and 30 cents per swipe and online invoicing. Not bad but would love to see what Apple could do.
Dwolla my friend. Transactions $10 and under, free. Anything else, $.25, period. They did over a billion in transactions last year.
For those who say, but it's another account, blah blah blah. No different the PayPal, but they don't make you bend over.