Thanks Steve! I found merchant warehouse by going to authorize.net site and then searched the resellers. I found some were comparable to these rates but wanted a start up fee (didnt want to put money out if I didnt like the service) and also no commitment. If I have trouble with ebay again, I am not sure hubby will want to keep the merchant account for use with his company or not.
My username and password will be emailed to me on Monday, of course I did it all on Friday so got the approval just not the info from authorize.net yet. So once I do, I have pending orders so I will definitely need help setting it up with auctiva! Thanks!