Hi Saphire,
Have to admit I'm slightly suspicious of this post. You have 4 posts.... 1 of those is about setting up a business with a partner, one is about obtaining an advertising board and then you have this one.
In the week that an irish company announced a new merchant facility and advertising on national radio it is very coincidental that you have posted this especially when you consider that this new merchant online business was also set up by two partners check out lucey.ie (Joe Healy and Ian Lucey)
Anyway for the record Lucey is new and yes is the cheaper option compared to say Payal or Sage. I have not used them so would not know the quality or realiability of service for which I have found paypal to be excellent but in terms of monetrary savings you would be hard pushed to ignore Lucey.
Good luck in the future!!