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Hi Nisha,
I use the ANZ egate in my website! I am extremely happy with their service, and the fees are negotiable! After being with them for a little while and them seeing that our transactions increase by the month, we just made a call the other day in regards to the fees and Surprise: we got a great deal.
I also accept paypal in my website, just because I have a paypal account and why not, however I recommend you to go with a bank egate, as this gives your customers more confidence that your website is serious.
My personal account is with Commonwealth and they now all my business accounts are with ANZ, so they keep on calling me to try and make me change and go with them, however I think I will stay with ANZ as it has been really good :)

Hope this helps!