Smalleyster, I can appreciate that our service may be too expensive for you, but I don't feel you're correctly portraying what merchants are likely to encounter in the way of fees with credit card processors, and particularly merchants that do a low volume of business.

Here's a list of some of the fees that merchants can incur with traditional credit cards: discount percentage, transaction fee, startup fee, annual fee, monthly fee, gateway fee, statement fee, monthly minimum, authorization fee, watts fee, avs fee, batch fee, voice authorization fee, chargeback fee, retrieval fees, bank change fee, ACH return fee, PCI compliance fee, network pass through fees.  And none of that includes the hidden fees on the consumer side.

Edit: forgot to mention the currency conversion and international fees

For Bit-Pay, there is no hidden fee that you alluded to...it is 0.99% for merchants that receive payout in bitcoin and 2.99% for those that take USD (as someone already pointed out 2.99 - 0.99 = 2 ...and reflects the currency exchange risk).  That's it.