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Seconded. I run an ecommerce site that has more than 100k in sales per year but only 10 to 20% go through credit cards. I sure will not file endless paperwork and do long integration just to move away from paypal. But I signed up for paymill in a second because it will provide what I really need (a nicer payment process) and spare me a lot of hassle. The processing fees on 20k is 580 for Paymill so it would even be cheaper. If the shop grows tenfold then sure lets integrate with the XML over fax machine API of a real bank.

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