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Hi
Paypal should be free to set up (providing your shop cart supports it) and thereafter takes a percentage fee on sales.
Protx - a lot of my ecommerce clients use this and seems pretty fair - I think it is about £20 per month (though you will need an Internet Merchant Account probably via your bank).
The ecommerce software I use supports payment by cheque + payments By Paypal, Protx, Nochex, Worldpay, SSL so you could have them all!
Being practical though - if you can offer your clients a non-online method (i.e pay by telephone, by cheque via post) and also an online method you should be pretty covered)
If you need any more help give me shout - I do lots of online shops with different payment processing options.
Joanne
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