Basically from what I'm seeing, the price is made up of:
Interchange fees- which is the interchange rate + cost per transaction.
Fees- which are a bunch of nicknacky fees (service charge, gateway fee, batch fee, network fee)
Service Charges- The service charges are the real killer in my mind. They are made up of volume fees and sales discounts.
The minimal knowledge I have on this all tells me he interchange rates are those you cannot change. They are set by the banks/card issuers etc. Our cost per transaction is only $0.10 which doesn't seem too bad.
I'd also be curious if anyone else knows what they are currently paying as an overall percentage, everything included; fees, address verification, interchange costs, statement costs, access costs. Obviously, technically some of those shouldn't be rolled as a percentage but it seems to be a decent measurement. That's the percentage for us that is about 3.5%