> PayPal doesn’t want their cut of tens of millions of dollars of revenue we project in the next two years. Any idea of who does?

Get a real merchant account and a payment gateway. I recommend Authorize.NET. Get it from one of the re-sellers, it's cheaper than getting it directly from them. There are no shortcuts: you have to compare different vendors, do your research on what all the fees mean and who offers the best value. You CAN negotiate.