PayQuake and Authorize.net versus my prior processor
So I dropped them like a bad habit and signed up with PayQuake, which does its own merchant account and uses Authorize.net for a gateway. The transaction-related costs are a little higher, but without monthly fees and "statement fees" and other such nonsense, they cost about half of what I was being charged before.
Authorize.net has a nice admin interface and good tools. I like that you can require certain AVS conditions in order to accept the transaction. I haven't had a lot of chargebacks (two or three when I used to sell POP Forums), but being able to require a total match for street and zip is nice. Of the chargebacks I had, none of them made that match.
I haven't had to call PayQuake for support, but they seem to have a pretty good reputation in various Webmaster forums. Hopefully I can keep using them without a swtich for many years to come.