We have found that not using paypal slows down sales (if you are targeting US). While that sucks it show that many prefer to use paypal than their CC. Sounds like what you really want is your own merchant account.
Try your own bank and see who they use, then try searching online, be aware that many small ones often go broke, see they have longstanding history, are reliable, no neg feedback posted online, most require a certain amount of volume. And many have setup fee's..
So if they aren't suitable, use paypal, CB, Commission Junction, Linkshare etc