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Who uses an authorize.net merchant account?

I just switched over because my current merchant account wasnt compatible with Auctiva. I went through merchant warehouse. I had no set up or application fee. I also have no cancellation fees if I want to cancel at any time. AmEx is a flat $5 a month until I hit $5000 (a special for new merchants). My discount rate is 2.09%, 25 cents transaction fee, monthly service is $8.95 and $15 for the authorize.net gateway. Monthly minimum of $25. We will hit the $25 easily as hubby can now take CC's for his own contractor business as well. What is everyone elses rate? Oh yeah, chargeback/retrieval is $25
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