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I went through the same issue earlier in the year. Eventually I opted for Payflo pro via paypal for credit cards. I think it’s about 30 bucks a month and 2% with no per transaction fee. It also gives me the ability to use a virtual terminal.
It’s an alternative payment gateway that integrates beautifully with Neto and they were very helpful when I was setting it up. I’m very happy with them and not having yet another paperwork payment issue, it’s all integrated into my paypal account.
Am I doing more business because of it? Hard to tell, business in general is way up, probably a combination or synergy of different things we’re doing 
Happy Holidays!! Ann
ps here is a link to what it looks like.
