If you're doing a million in sales, you should negotiate a rate with your CC provider which will be far lower than the list price. All of the providers - Stripe, Braintree, PayPal, Authorize.net, and most likely these guys - will negotiate a rate with you, and if you're doing any volume you ought to give them a call and ask.

When you call, they will ask you two important things:

1. What is your current volume (if you're looking at switching from someone else)

2. What is your chargeback rate? (How often do angry customers call the credit card company to issue a chargeback against you?)

If you are growing and have increasing transaction volume, and you aren't defrauding your customers, then you can absolutely get a lower rate than you're paying now.

This is true for so many things in business - the list price means nothing!