Have you looked at
http://checkout.google.com yet?
I set up an account with them a couple years ago and used them for a while, so people could pay via a special page on my small business website, after I did on-site service for them.
I'm not sure their rates are the lowest around either, but I'd trust them over PayPal as a card processor and they don't have any monthly minimum number of transactions or monthly "maintenance" fees.