Paypal seems to have some good programs-there are plenty out there and the better deals are based on volumes.
Sometimes if you have a good relationship with your bank they can provide you with good rates.
We found that with volume the better deals are with companies who specialize in that area.
Credit cards for contracting are a pain-and an added expense among other issues that can cause you some grief.
We use them as a back up mostly.
What works best for us is getting deposits and making sure clients understand we get paid upon completion of work.
House accounts that we have a relationship and steady business are an exception to that.
We keep our house accounts on net 30 and put a hold on any work if it goes beyond that.