Or Stripe are now in Beta in some European countries so well worth going to their website and seeing if yours is one.
Check out www.paymill.com (Stripe except based here in Europe)
I think the fees from all the mentioned providers are way too much. Usually the bank pos fees are 1,8-1,9%. So the only solution that I see is actually processing payments myself. That's why I'm looking for more information on how that's done.