PayPal Express Checkout starts at 2.4% + 30c (across all trans). One might use PayPal for other reasons than just their fees (i.e. your user demographic) but their API is still a mess.
In addition, two months ago we were unable to process payments for a period of a few hours due to an SSL error on their secure payments API. Any customer not using a hosted payment page was affected. From what has been communicated to me it was an issue with their CDN provider, but I'm still waiting on the full details. I understand things happen, but a lack of communication from someone who processes your payments is really frustrating.
On the other hand, Stripe have been really nice to deal with, and integration has been a breeze. Things might change once we put it into production, but I'd be surprised if they got worse.
Once stripe has 2 day turn around time for bank payments like in the US, we'll be switching for our clients who use PIN.
Bank transfers in AU don't cost anything either.