nochex.co.uk is an absolute godsend for the smaller online businesses!

It allows you to take credit / debit cards UK only wihtout the user having to sign up unlike paypal.com.

They allow you to transfer the finds into your account for free (usually takes 7 days), no chargebacks, and there's only one fee on the money coming in.

Don't know the %, but form £30, you get £29.01 into your account.