Sly I have a merchant account with these guys for a mainstream online/offline biz. They are actually an iso for Total Merchant Services with HSBC.
The Costco idea is also a good route. I have been thinking about giving them a go for a new project as well.
http://www.merchantservicestotal.com/
You could also always setup a merchant account for online sales and then run your phone charges through Square or IntuitPay with a smart phone. A little higher rate but no monthly fees. All depends on volume to decide what the best route is.
Good luck. A lot of good options these days.