Can all you do is whine?
There are many card processors out there that are good. They wouldn't stay in business if they were not. Are they perfect? No. Are some worse than others? Yes. Do they have hidden charges? Some od, others don't.
By far the best deal will probably be through either Price Club or Sam's Club, if you are a member.
But, just like PayPal, they are going to limit the amount you can run through in a given month. The amount will build as you prove to them that you don't have problems.
Read here and other sites about payment processors, including PP and you'll see that simce they all stand to lose if you sign up, sell $ 30,000 in a week, don't deliver and clear out your bank account, It's been done before and they try to have it happen again.
Nothing personal. It's how they operate. My third month online I had a customer call on the 25th and tell me they could not get their card through and knew it was good. They had cut me off at $ 2500 or $ 3000. Just a phone call got it bumped to $ 4000, and it's never been a problem. They just bump as needed.
You need to change your attitude. How much would you be selling without them?
If you can get a merchant account - do it. If you can't live with what you've got and be thankful. You could have to work for a living.
.