Great info, thanks.

Paysimple looks pretty good: http://www.paysimple.com/competitors.html . Anyone have any first-hand experience with it?

As I noted in one of those links, I've had success with Cybersource in the past. Their small business division is pretty competitive. For recurring payments, I just stored the cards encrypted and re-billed when necessary. It really wasn't too difficult or time consuming.