Check out Paymate--now serving Australia & NZ on eBay

Main items that differentiate Paymate:

1. Your payment is made directly into your bank account
2. Real customer service
3. Service can be used across eBay, website, store, MOTO, and mobile
4. Full Risk Management protection the seller and buyer from fraud
5. Allows cross boarder payments from 57 different countries
6. Very competitive rates
7. Does not require buyers to register
8. Free shopping cart
9. Easy to integrate

Go to www.paymate.com and sign up--make sure to click on the area that says "click here to accept credit/debit cards" once you have set your account up.