Replying to To All NS'ers who have a business/ business sense

Whats going on NS, not sure if anyone remembers but I made a thread about a hot sauce business I was starting last month promising everyone free sample.  Things are coming along really well, cant wait to send everyone their samples who replied/ helped out in the last thread.  We just sent out business cards to print, web site is coming along we are less then a month away (hopefully) from purchasing our first bulk order of 2000 bottles-our plan is to give a minimum of 1k away as soon as we get them.  So everyone will be getting theirs sooner than later we hope.

Fingers cross trademark info was shipped today so I can let everyone know the name early next week if it goes well.

HERE IS THE QUESTION...we obviously need a merchant account to accept payments.  We have just set up our bank account for our business and need to find a way to deal with CC's and pay-pal.  Does anyone have experience with this...pay-pal takes 2.9% and .30$ per transaction.  that's about 45 cents per sale-cutting our margins super thin.  CC's are just as bad-

NS might not be the best place to ask but does anyone know of ways to get around this or have experiance taking payment at a discount.  I cant afford to pay 7-9% of turnover to fees just to get paid.  I need a good brain storm session here- anyone have some good input/help.