Merchant handling fees; credit and debit card transactions

My business currently banks with AIB and are using AIB and RealEx to handle the credit card transactions (99% of them being over the phone).

They charge approximately 1.5% on each transaction and we are handling in excess of €40k per month.

Who else are worth considering or speaking with or how does this rate compare with others?

Any help greatly appreciated

If the product or service you are selling is vatable, then the real percentage is over 1.8% of the net sale.

Realex is just a gateway, and they'll use whatever processor you tell them.

We moved to Payment Plus which is a Barclaycard partner.

Our Credit card rate is 0.85% but a 0.5% fee is added for non pin transactions or business card transactions. (most processors charge this)

Our debit card rate is 0.45% - the same as cash lodgement rate of the bank.