Affordable low-fee e-commerce - DIY?

Hi all. Am wanting to build a site where people can donate $1.00 but is not for charity or other non-profit per se. So if I use PayPal, with their 2.9% + .30 per transaction fee, that equals .33 cents for each dollar - that's a full third of the amount the people would be giving. Credit cards appear to be similar, with some percantage and about .22 cents per transactions. Am wondering what other options I'm missing, that won't take such a chunk out of the low price? Is it easy enough to code to some other API for free (or at least cheaper)? Thanks. George Langley Interactive Developer www.georgelangley.ca