We're based in the US and use Elavon. We're also members of Costco, so we use this plan: <a href="http://www.elavon.com/acquiring/costco/" rel="nofollow">http://www.elavon.com/acquiring/costco/</a>. It's been a while since I've done a price comparison, but (for our needs) Elavon was cheaper than Wells Fargo and others.