I would only use paypal for an online company.
If you want to accept credit cards for your company, I would highly recommend using someone that either your bank recommends or some company that targets your industry and credit acceptance. Make sure you can do transactions via a machine, phone, and hopefully via the web.
***I just went to paypal and see they have been improving their services, I may have to change my view***
These are the current rates I pay for my credit processing:
FREE Merchant Setup
Gateway Setup with AuthNet
Rates at 2.35%
$10/month Statement & Support Fee (this goes to the reseller)
$15/month Gateway Fee (this pays for authorize.net account)
NO Monthly Minimum!
NO Annual Fee!
NO Early Termination Fee!
If I wanted, I could have a terminal for credit cards for free. But, I just use my website to type in the numbers.