Thanks. BitPay looks promising. However, this wiki page at https://en.bitcoin.it/wiki/BitPay says this:

"Merchants can have no currency risk of bitcoins at all. The fee for this service is 2.99% of the value of the sale"

However, the BitPay website at https://bitpay.com/bitcoin-direct-deposit says this:

"BitPay Fee: 0.99%.  Conversion and Settlement is offered for no additional charge."

So what is that 2.99%?