Payment Gateway: What payment gateways offers a fixed fee charge as oppose to a % of the value of transaction for online payments?

I would strongly suggest using ACH or eCheck for high ticket items as this is the only way you will avoid the % fee. It is simple to set up ACH online- and if it is a B2B item- that business will be use to paying via ACH. If it is a B2C sale- it may be more difficult- but depending on how "high-value" the item is- you may want to look at something like a http://securebuy.com or the like to avoid being burned by fraudsters.

As already mentioned, you aren't going to find that with a credit card gateway.  Interchange (the market rates set by Visa and Mastercard) will always have a % based fee. You could try http://www.dwolla.com, however.  It utilizes the ACH network instead of credit card networks.  Their costs are currently $0.25 for transactions over $10.

A gateway is a secure service to accept payments online. It's not the same as a merchant account. Here's 3 types of gateway choices: Payment Service  (Paypal, Amazon Payments, Stripe) with proprietary gateway Payment Processor with proprietary gateway (Paymentech Orbital, First Data e4);  also compatible with independent gateways Independent gateway (CenPOS, authorize.net); compatible with most payment processors To accept credit cards, you'll always pay a percentage, because that's the way  http://3dmerchant.com/blog/interchange-2 work.  Option 1 above lumps all the fees, including interchange and profits into a simplistic % rate,  per item fee, and a few other extra fees (in the fine print). The payment service providers still pay interchange fees, merchants just don't see the breakdown between costs and profits. Payment gateway fees are negotiable. Some include percentage fees, some do not. However, gateway selection can have a significant impact on overall fees paid. Why? Because many gateways do not support the requirements needed for the lowest qualified interchange rate. The same $4,000 credit card transaction could process at any of these rates: Standard 2.95% + $.10 Data Rate 1 2.65% + $.10 Data Rate II 2.65% + $.10 Data Rate III 1.75% + $.10 Large Market: 1.25% + $40.00 The big question is, how will the gateway help manage interchange fees to qualify for the lowest interchange rate? Is it even capable? For example: Does it support level III processing for B2B? How does it manage valid authorizations? (no expired auth or mismatch auth & settlement amounts) What is the fraud risk? How will the gateway help manage that risk? Most gateways also support lower cost ACH.

Your best bet is to access a gateway that utilizes ACH. https://www.dwolla.com/ is one option. This user experience requires customers to be re-routed to sign up at dwolla. http://Synapsepay.com is another option for a flat 25c fee. They have instant bank logins to facilitate fast sign user sign ups and help guarantee funds before payment transfers are initiated. Synapsepay's API is similar to that of http://stripe.com with a white labeled UX that never re-routes users from your page but still allows merchants to avoid high credit card fee's